Group Health Insurance

California is a unique state when it comes to health insurance.  With the passage of Assembly Bill 1672, all groups with between 2 and 50 eligible employees are guaranteed coverage from all insurers that do business in the state.  Each insurer must publish its rate based on age, family status, zip code and desired coverage.  The insurers can vary 10% up or down from this published rate, but must offer coverage to all eligible employer groups!  This drastically changed insurance availability.  Prior to the passing of this bill, companies could be declined coverage if they had a "less than desirable" health history.

At Employer Concepts, we have access to all insurers that provide coverage in California.  In fact, we are currently licensed in 10 states, and we have employee groups in each of these states.  We pride ourselves on our customer service as well as our administrative capabilities.  We administer COBRA, Flexible Spending Accounts, Dependent Care Assistance Plans and much more for our clients.  If you are not currently obtaining these services from your broker, we will gladly provide you with a proposal illustrating potential cost savings. 


Please let us show you how our services can make a huge difference to your HR department!  Contact Us

Here is a list of some of the companies we are licensed with:

  • Blue Cross of California

  • Blue Shield of California

  • Kaiser

  • Health Net

  • California Choice

  • Aetna

  • Cigna

  • Pac Advantage

  • Guardian

  • Delta Dental

  • Blue Cross/Blue Shield of North Dakota

  • PacifiCare

  • Capital Health

  • Fortis

  • Smile Saver

  • California Dental

  • VSP

  • AND MORE