Insurance Simplified
for Small Business

An employer is eligible for Covered California for Small Business if:

• You have at least one but no more than 100 eligible employees and meet certain contribution and participation requirements.

• Your principal business address is in California, or you offer health insurance to each eligible employee at that employee’s primary worksite in California.

• You offer CCSB insurance to all eligible employees.

• You have at least one employee who receives a W-2 that is not the owner or spouse of the owner.

• The majority of your eligible employees are employed in California.

The cost depends on factors like the size and location of your business, the ages of your employees and the health and dental plans you select. By offering a selection of coverage levels (or metal tiers), employers can control their contributions while allowing employees to pick the plans that fit their budgets. Some small businesses may also qualify for tax credits, which can significantly reduce the cost of insurance.

If you need assistance, we encourage small business owners to contact Covered California for Small Business or a licensed insurance agent to get accurate, up-to-date pricing information tailored to your specific situation.

Federal tax credits are designed to help small businesses and tax-exempt organizations afford the cost of covering their employees. Small businesses buying health insurance through CCSB could get tax credits, with the amount based on business size and average annual wage. Smaller businesses with lower wages can qualify for bigger credits.