Generally, California and Colorado regulations require small group health plans to enroll a minimum of 75% of eligible employees. Employers must pay a minimum of 50% of the employee only rate for health insurance, and may base that percentage on a specific health plan. The employer is not required to pay any portion of the cost to add dependents. State regulations also include the following restrictions:
Every eligible person must be accepted, regardless of any pre-existing conditions.
Insurance companies cannot cancel policies because policyholders make medical claims.
You must have the option of continuing your coverage if you change jobs
Insurance companies face limits on the rates they can charge, so they cannot make group insurance premiums too high for groups with greater levels of medical risk.
Some of California and Colorado’s group health insurance providers include Kaiser Permanente, Anthem Blue Cross, Aetna, Health Net, Blue Shield of California, and United Healthcare. These providers offer a variety of health plans, including; HMO, PPO, EPO, and HSA/HRA compatible plans
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