AB 1672 Small Group
Qualification Rules
Here's all you need to do to get affordable guaranteed health & medical coverage for your Employer group of 2 or more workers, eligible for say the last 1/2 of the last quarter.
AB 1672
§10705 g,
Husband and wife groups count, if BOTH are working in the business
SB 572.
One spouse could even have other QUALIFYING coverage.
SB 578
REGARDLESS of the Health Status of the owners or employees!!!
The worst that can happen is your group gets surcharged 10% over the Standard Rates. If you have a good claims history and more employees, it could be a 10% discount.
§10700(u)
RAF (Risk Adjustment factor)
Typical Paper Work to start your coverage.
DE 6 or 9 Quarterly State Tax Withholding Statement.
Learn More
A copy of your FREE, no obligation quote.
The Small Group Employer Application (Master Application). including the COBRA/FMLA/Cal-COBRA questionnaire, if applicable.
Employees and Dependents Applications
Signed declinations for those not enrolling.
If your group had prior coverage - a copy of the previous month's group premium statement.
Company check for the first month's premium
For more specific detail on each Insurance Company
      
 
     
Consumer Links
Are you required to get Health Insurance for your Employees?
Obama's Plan
Disability Benefits 101.org
FAQ's
Can an employer offer an Individual Plan to a couple of employees and everyone else take the Group Plan?
Learn More
Detail
Requirements by Type of Business Structure
Rules for those not on DE 6 or 9 (i.e. Corp Officer, Sole Proprietor, Partner)
Time in Biz
Minimum Length of Time in Business - per §10700 w, with 2 or more employees on payroll in simple language is 3 months...
Insurance Company Interpretations
If you have to wait - check out:
Short Term Plans,
COBRA or
HIPAA from prior employment?
The Small Group Reform Act - AB 1672 does not allow Medical Underwriting. Therefore, the Insurance Companies look REAL hard, at if your really a bonafide business
IRS Definition of Business.
Insurance Company Checklists for forms, processing time and other requirements
There is some variance in how some companies interpret Employer CA Insurance Code §10700 (w)
Blue Cross Forms for Start Up Company
| 
