California Small Business Health Insurance

Bring Health Insurance to Your Business & Its Employees

In the modern era, workers are paying more attention to benefits and items like the quality of health insurance they'll have access to more than ever when it comes to choosing a place to work. In fact, many people consider it to be more essential than just a base salary.

This is why it's always important to bring quality group health insurance to both your business and its employees. At AEIS, we want to be the trusted partner that helps you do it.

Health Insurance is Complex. We Make it Simple For You.

Benefits of Offering Group Health Insurance

The major benefit of offering quality group health insurance is that it can become a recruitment tool and a key competitive advantage in your industry. It's easier to both attract and retain top talent if you're offering high-quality coverage, even if you can't necessarily offer them a higher base salary than your competitors.



Not only that but when employees have access to healthcare, they tend to use it for things like preventative care. This helps to keep them healthier overall, which typically leads to them being more productive and more satisfied with their employer as well.

Different Types of Group Health Insurance Plans for California Employers

Fully Insured

A fully insured health insurance plan involves paying a premium to an insurance company in exchange for a defined set of healthcare benefits. The insurer assumes financial responsibility for covering medical expenses, and policyholders usually have a network of preferred providers for maximum coverage. The terms, including premiums, coverage limits, and co-payments, are determined by the insurer. This type of plan offers financial security and predictability for policyholders.

 Level Funding

Level-funded health insurance is a hybrid arrangement where an employer pays a consistent premium to a third-party administrator. This covers anticipated claims and administrative costs. If actual claims exceed expectations, stop-loss insurance kicks in to limit the employer's liability. If claims are lower, the surplus may be returned to the employer. It combines aspects of self-funding and traditional insurance, providing cost control with potential savings.

 Health Reimbursement Arrangement

An employer pairs an HRA with a fully insured High Deductible Health Plan (HDHP) to create a benefits strategy. The HDHP provides insurance coverage with higher deductibles and lower premiums, while the HRA, funded by the employer, reimburses employees for out-of-pocket medical costs. This combination encourages cost-conscious healthcare choices and provides financial support for medical expenses, with the flexibility to tailor the HRA to specific health benefit needs.

Build a Custom Benefits Package with AEIS

At AEIS, we understand that your workforce is unique – which is why we don't want to try to fit you into a “one size fits all” box when it comes to group health insurance. We're a group health benefits broker that will take the time to learn as much as we can about you and your people, all so that we can put together the custom benefits package you need to thrive.

If you have any additional questions about small business group health insurance, or if you'd just like to talk about the next steps with someone in more detail, contact the team at AEIS today.