Group health care coverage for California employers with 2 to 100 employees — built to help you compete for good people, without enterprise-sized complexity or cost.
Whether you're offering benefits for the first time or reviewing a renewal that came in too high, we'll build a comparison across the carriers writing group business in California.
Medical coverage for groups from two employees up to a hundred, across HMO, PPO and other plan designs — including the state's exchange and private-exchange options.
Popular, affordable additions that round out a benefits package. Often available even for very small groups, with or without medical coverage.
We are appointed with the major carriers serving California small groups, so one conversation covers the market rather than one company's shelf.
RHI Insurance Services is an authorized Blue Shield of California broker 0E74654. Blue Shield of California is an independent member of the Blue Shield Association.
Number of employees, current coverage if any, budget, and what matters most to your team.
We gather quotes from multiple carriers and build a side-by-side comparison of plans and rates.
We walk through the options in plain language and answer your team's questions.
We handle enrollment paperwork and stay on as your broker — at no cost to you — for renewals and service.
Two bona fide employees are generally needed to quote a group. There is an important exception: if one of the two has creditable coverage from another source — group coverage through a spouse, or Medicare — then a single employee can enroll. If you're not sure whether your situation qualifies, it's worth a quick call rather than assuming it doesn't.
In California the standard requirement is that the employer pays at least 50% of the employee's premium. Contributions toward dependents are generally optional. We'll show you how different contribution levels change your total cost and your employees' take-up.
No. Carriers set minimum participation levels, but employees with creditable coverage elsewhere — through a spouse, a parent, or Medicare — can usually waive without counting against you.
Group plans generally start on the first of a month, and new groups can enroll year-round — you don't have to wait for an annual open enrollment the way individuals do.
Often more than owners expect, particularly with higher-deductible designs, exchange options such as Covered California's small business program, or starting with dental and vision before adding medical. The only way to know is to price it — which costs nothing.
Already have a plan? Bring us your current renewal and we'll tell you honestly whether it's competitive. Sometimes the right answer is to stay put — and we'll say so.
A short conversation is all it takes to get started. There's no cost and no obligation.
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