Small business owners in California have a unique opportunity each year to offer group health benefits with fewer requirements. This overview from Bay Area Health Insurance explains everything you need to know.
What is the Small Group Special Enrollment Period?
The Special Enrollment Period runs from November 15 to December 15. During this time, small employers can enroll in group health insurance without meeting participation or employer contribution requirements.
Who qualifies as a small group in California?
A small group generally includes one to one hundred eligible W two employees, with at least one common law employee who is not the owner or spouse.
Why does this enrollment window matter?
Outside of the Special Enrollment Period, carriers require minimum participation and minimum employer contributions. During this window, those rules are waived.
When does coverage begin?
All plans submitted during the Special Enrollment Period receive a January 1 effective date.
Do participation requirements still apply?
No. Employers may enroll even if only one employee participates.
Do I have to contribute to employee premiums?
During this period, employer contribution requirements are waived. Employers may choose their own level of contribution.
What documents are needed to apply?
Most carriers require payroll records, a business license or proof of business, an employer application, and employee enrollment forms.
Can dependents enroll?
Yes. Spouses, domestic partners, and dependents may enroll if allowed by the plan.
Is this the same as a qualifying life event?
No. This is a group level enrollment window for employers and is separate from individual qualifying life event enrollment.
Can a business that was previously denied apply again?
Yes. The Special Enrollment Period provides a fresh opportunity for businesses that could not meet requirements at other times of the year.
Can new businesses apply?
Yes. New or very small companies may enroll if they have at least one eligible W two employee.
What if the deadline is missed?
The employer must meet standard participation and contribution rules again and may have fewer plan options.
Which carriers participate?
All major carriers participate including Blue Shield of California, Kaiser Permanente, Anthem Blue Cross, Health Net, UnitedHealthcare, and Aetna where available.
What are the benefits for employers?
Employers can offer benefits with fewer restrictions, attract and retain employees, and secure coverage for the upcoming year.
How Bay Area Health Insurance helps
Bay Area Health Insurance assists with eligibility review, plan selection, paperwork, employee communication, and meeting all required deadlines. Contact us for no-cost assistance!
