CHA News Article

Covered California Announces Insurance Plans for Small Businesses in 2015

Covered California has named the 2015 insurance carriers for its Small Business Health Options Program (SHOP) and announced new and expanded options for employers. The six SHOP health plans and 10 dental plans include a mix of health maintenance organizations, preferred provider organizations and exclusive provider organizations. The health plans are from the following health insurance companies:

  • Blue Shield of California
  • Chinese Community Health Plan
  • Health Net
  • Kaiser Permanente
  • Sharp Health Plan
  • Western Health Advantage

Small businesses starting coverage Oct. 1, 2014, or later can offer their employees coverage from two different metal tiers preselected by the employer. In this system, called “dual metal tiers,” the tiers offered must be adjoining: Bronze and Silver plans, Silver and Gold plans or Gold and Platinum plans. Also new to SHOP is the availability of alternate benefit designs offered through three of the carriers — Health Net, Kaiser Permanente and Western Health Advantage. These alternate benefit designs meet the Affordable Care Act’s essential health benefits requirement but vary from the standardized benefits established by Covered California. Other additions include the ability for employers to offer separate dental plans for adults beginning in 2015. Dental benefits are employee-paid, with no additional cost to employers.

The complete Covered California press release is attached.