Cal Choice Benefits

A Look at the Benefits Cal Choice Offers to Businesses

Cal Choice, or California Choice, has been in the insurance industry from about two decades now, and is certainly one of the better insurance providers in California. It also claims to be the only Small Group Private Exchange in California.

Cal Choice offers group health insurance plans with some unique features, making it stand out as a group insurance provider. Some of the reasons many employers in the area like working with Cal Choice include access to multiple plans, great benefits and customer service and simple administration.

Wide Range of Plans

Cal Choice offers pretty much all types of group health insurance plans that most employers and employees may be interested in, including PPO, HMO, EPO, HSP and HSA-compatible plans.

The Affordable Care Act (ACA) divides group health insurance plans into four different tiers, including Platinum, Gold, Silver and Bronze. Each tier includes different plans and health benefits, and an employer is supposed to choose one of them.

Cal Choice, however, offers a very unique feature that allows employers to get the benefits offered in two different neighboring tiers. In other words, an employer may opt for a plan that comes with the benefits being offered in both the Gold and Silver tier.

Of course, employers can also choose to stick to one particular tier, as they typically do. If you’re not sure what you should be doing, you can consult a group Cal Choice health insurance broker. They may help you guide you with figuring out your business’ health insurance needs as well as choosing the right plan.

Works on a Unique Concept

Besides offering a unique benefit we just talked about above, Cal Choice health insurance plans also work on a unique concept. Basically, they allow your employees to pick whatever plan that fits their needs, but without costing you more than what your budget allows. This way the uncertainty of ending up incurring significantly more expenses on health insurance than you anticipated is eliminated.

In other words, you can base your contribution on a specific plan, and choose a “fixed” budget. Cal Choice, however, still allows your employees to choose any plan they want, but the difference in your contribution and the actual costs would be paid through payroll deduction.

What this does is allows you to avoid spending more than your budget, but still makes it perfectly flexible for your employees when it comes to choosing the plan and benefits.

A Look at the Different Advantages

We will now take a look at the different advantages Cal Choice offers to employers, employees and brokers.

For employers:

  • Fixed group health insurance costs but still offers the required flexibility to employees
  • Great customer support
  • Simple and hassle-free administration
  • Easy to understand and manage the monthly bills
  • A great way of retaining and recruiting talented employees


For employees:

  • The flexibility to choose a plan, benefits and premium costs that meet their needs
  • Conveniently easy enrollment process
  • More options when it comes to doctors and healthcare providers
  • A single website for getting all the information they want about their healthcare needs


For brokers:

  • Easier to sell plans, thanks to the plans being based on a unique concept and offering great flexibility
  • A more rewarding commission structure
  • Great marketing and sales support
  • Quote requests are usually answered in just 24 – 48 hours