No. Under the Affordable Care Act, there are no health questions asked and no effect on rates if you have a condition.
If you choose to set up a company plan, you are typically required to contribute at least 50% of the lowest-cost plan you implement. You are free to put in multiple plans (the number of plans will vary depending on the size of your company) and allow staff to customize their plan choice and pay any difference in premium as pre-tax payroll deductions.
We can set up a wide variety of different types of coverage for your firm. For more information, please take a look at our Other Benefits Page.
A group is defined as at least 2 people, at least one of whom is paid on a W-2 basis and who is not related by marriage to any owner of the business. Partner-only businesses are no longer eligible for group plans under the Affordable Care Act.
Generally you need to provide documentation of the legitimacy of your business and sufficient payroll history to show you've been around at least a short while. The types of documents usually include a business license, proof that you are registered with the California Secretary of State's office, a Statement of Information listing business owners and address, and any DBA (Doing Business As) paperwork if applicable.
In some instances, a group plan will not consider an individual or family plan a qualifying reason to waive coverage. We can help you sort out the factors in play and find the right solution.
Except in one particular circumstance, you cannot. This is specifically prohibited under the ACA and carries stiff tax penalties of up to $36,500 per year per employee if you are shown to be reimbursing for open market plans.
If you are a small group between 1-50 employees, you are not required to put a plan in place. However, the plan options available for groups are substantially more comprehensive than those available on the individual and family market.