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Here's all you need to do to  get affordable guaranteed health & medical coverage for your Employer group of 2 or more workers - as provided under  California Law AB 1672 and  enumerated in the Insurance Code §10705 g, REGARDLESS of the Health Status of yourself or your employees!!!  This can even be husband and wife,  if BOTH are working  per SB 572. The worst that can happen is your group gets surcharged 10% over the Standard Rates per §10700(u).  If you have a good claims history and more employees, it could be a 10% discount.

The Typical Requirements to show that you qualify under the AB 1672 for Group Medical Coverage  and to get enrolled are:

1. The quote  based on the census when your paperwork is actually turned in.

2. The Small Group Employer Application (Master Application).  Some Applications require your SIC Code.

3. Employees/Dependents Applications

4. Applications (with signed declination)  or declination forms  from all employees/dependents declining coverage.

5. A Copy of the firm's most recent DE 6 Quarterly State Tax Withholding Statement with current employment status of all employees listed. That is, part timers, new employees, terminated, etc. (see below* for owners - partners not listed) The company also uses this form to verify Participation Rules (Minimum # of employees to be covered - Qualified waivers don't count against you.)

6. If your group had prior coverage - a copy of the previous  month's group premium statement.

7. COBRA/FMLA/Cal-COBRA questionnaire, if applicable.

8. Your  company check for the first month's premium

9. Minimum Length of Time in Business - per §10700 w  in simple language is 3 months...  Here's a matrix of Company Interpretations of Length of Time in Business If you have to wait - check out Short Term Plans, COBRA or HIPAA from prior employment? 

Since the Small Group Reform Act - AB 1672 does not allow Medical Underwriting - The Insurance Companies look REAL hard, at if your really a bonafide business.

Typical Requirements for Sole Proprietors, Partner or Corporate Officers If any are not on the DE 6.

SOLE PROPRIETOR
Current Schedule 1040 C  Profit or Loss from a Business

LA City Business Tax
LA County Business License
Ficticiuos Business Name
 May be substituted for 1040, if not available due to the length of time in business,  extension to file

Signed Statement that even though the owner is not on the DE 6you're actually working the required 30 hours/week

LIMITED LIABILITY COMPANY (LLC) MEMBER
Current Schedule K 1 (If not available due to the length of time in business or due to having received an extension to file, a Statement of Information or Articles of Organization with Operating Agreement may be substituted.) Signed Statement attesting to actually working, etc....  sample form

PARTNER
Current Schedule K 1.Instructions or possibly the 1065 Partnership Return (If not available due to the length of time in business or due to having received an extension to file, a Partnership Agreement Sample and Federal Tax ID appointment letter may be substituted.)  The limited partners in a limited partnership are not eligible for coverage unless they are also employees appearing on the DE 6.Signed Statement attesting to actually working, etc....  sample form

CORPORATE OFFICER
Statement of Information - Domestic Stock Corporation. or Articles of Incorporation (filed and stamped listing names of all officers) Statement of Foreign Corporation (for out-of-state corporations) You can verify that the Secretary of State has your filing by clicking here  Various forms from the Secretary of State, including Foreign Corporations Order copies of your filed records with the Secretary of State  Signed Statement attesting to actually working, etc....  sample form Corp Tax Return - Form 1120 There are service companies that can help you expedite getting copies or filing these forms.  Try GKL at 800 446-5455  or here's a list on the Secretary of State's website.

If you don't qualify as a 2 employee group - try  our Individual Guarantee issue page, Mr. Mip   or the Eligibility Tool & Information  for "Free" & other guaranteed issue  Governmental Plans or send email to Check out a special plan for Groups of ONE or more which may also include Independent Contractor's   1099 employees, depending on this and that, it may require that ALL employees be on the DE 6. 

Consumer Links

Benefits of a Group Health Plan Video

Employment Development Department EDD Employers Guide 100 Pages

"Working Spouse Rule"

There is some variance in how some companies interpret  §10700(w)Blue Cross Forms for Start Up Company