What steps must a small business owner in California take to offer group health insurance to their employees through Covered California for Small Business?

To offer group health insurance through Covered California for Small Business, you must first confirm your business's eligibility, gather required documentation, choose your plans and contribution level, and complete the enrollment process. Here are the steps to take: Step 1: Confirm Your Eligibility Your business must have at least one but no more than 100 eligible employees to qualify as a "small employer." The owner can count as an employee if they draw a salary. At least one employee who is not the owner or the owner's spouse must enroll in a plan. Your main business office must also be in California. Step 2: Gather Required Documents You will need documentation to prove your business's legal status and employee count. Collect your most recent California Quarterly Wage and Withholding Report (Form DE-9C), your business license or articles of incorporation, and a complete roster of all employees. Step 3: Choose How to Enroll You can enroll directly through the Covered California for Small Business website or work with a Certified Insurance Agent. Using an agent is free of charge to you and is highly recommended, as they provide expert guidance on plan selection and navigating the application process. Step 4: Select Plans and Set Your Contribution You must contribute at least 50% of the monthly premium for your employees' health coverage. You can choose to offer plans from a single carrier or allow employees to choose from all available carriers in your area. This flexibility is a key benefit of the program. Step 5: Complete the Application Submit your employer application and all required documents online or through your agent. Covered California will review your submission to verify your business eligibility. Unlike individual coverage, enrollment for small businesses is open year-round. Step 6: Manage Employee Enrollment Once your business is approved, your employees will have a set period to enroll online. Generally, at least 70% of your eligible employees who are not otherwise insured must participate, though this requirement can sometimes be waived. After employees enroll, you will receive a single monthly bill. Important Details: You have the flexibility to offer health, dental, and vision coverage. You can set different contribution levels for employees versus their dependents. Warnings and Limitations: Failure to meet the minimum contribution or employee participation requirements can result in your application being denied or future coverage being terminated. Ensure your employee roster and DE-9C form are accurate and up-to-date before applying. This is general information and does not constitute legal advice. For complex situations or specific legal questions about compliance, you should consult with a qualified California attorney.