Small Group Health Insurance Quotes in California

Health Insurance Companies: Aetna, Anthem, Kaiser, Covered California, HealthNet, Blue Shield, United, CalChoice

Over 50 Years of Experience

You can get quotes for health insurance in California on BenefitsCafe.com and, more importantly, you can also use our expertise to select the best insurance company and plans for you and your employees. We’ve been helping business owners and HR managers set up and run employee benefit plans since 1970 – 50 years of experience.

We offer that rare blend of high-tech with hands-on help. We use the internet and technology to simplify the complexities of health insurance. We also work closely with our clients to solve problems and keep them in compliance with laws that govern group health insurance. We’re a highly-skilled team of experts we’ll work for you when we become the agent/broker on your plan.

We make sure that your insurance plans work the way that they are supposed to. We advocate for our clients so that insurance companies pay medical claims; grant authorizations for medical services; and resolve billing issues. Our hands-on approach allows business owners and employees to focus on their business while we solve any problems or issues that may arise with their health insurance. Give us a call at 800-746-0045, get a quote, or connect with us via email.

Here’s what people are saying about Benefits Cafe

Emma EverettEmma Everett
18:53 28 Aug 23
Benefits Cafe is outstanding. I came to them with an emergency situation, and they reflected my urgency and avoided an insurance disaster for my company. Their customer service is above bar. They will work directly with my employees answering questions about benefits. They are very knowledgeable. And they have several additional things they do, which add value without charging me. In a world in which we are nickel and dimed this is very refreshing. I know I can count on this experienced team. Not only that, they are all very kind and professional.
Nicole BenyaminNicole Benyamin
16:02 21 Apr 23
I had a great experience with Mark and Bruce. Both were very prompt and helped me out quickly to get our insurance plan going. Great service and communication. Highly recommend!
Thomas McAleerThomas McAleer
16:57 21 Oct 22
The folks at Benefits Cafe are very knowledgeable. A great resource to help you or your firm navigate the constantly changing landscape that is the healthcare industry. Highly recommend.
Elva StainthorpElva Stainthorp
19:10 04 Apr 22
We are a tech startup in the Bay Area and having Benefits Cafe manage our policy has been a game-changer! With so many complexities of the healthcare system, they simplify the whole insurance process. Benefits Cafe easily explains the nuances to the various plans and all the details of coverage. Their team takes care of our Open Enrollment process and throughout the year, answers employee questions from claims to billing issues to Covered California. They are subject matter experts on all things healthcare and we rely on them heavily for guidance and their expertise. Bravo Benefits Cafe!
Matt MillikinMatt Millikin
23:10 18 Mar 22
We've used Benefits Cafe to manage our company medical insurance plans for years now. They're very responsive to our employees whenever they have questions. They're very responsive to management whenever we have questions. Every year they do a great cost analysis talking us through what the carriers are doing with pricing, what our options to switch are, what options we can sub out or add to increase value to employees, etc. When we have changed our plan offerings they make things very easy for the staff to understand what changes are coming and walk the entire company through the whole process. We'd highly recommend them to anybody looking for assistance managing employee benefits!
Rebecca GiblinRebecca Giblin
22:00 04 Feb 22
As a small business owner Benefits Cafe is invaluable. By utilizing their years of experience and knowledge we can provide the most appropriate and best health care coverage for our employees with ease. We rely and take their advice on these important employee issues. Thank you Benefits Cafe!
Linda RothLinda Roth
22:39 29 Jan 22
Round of applause to the Benefits Cafe team of: Bruce, Stephanie, Cecilia, and Mark. Each one of you are excellent in every way. You help simplify the complexities of the insurance world and make it easier to decide what is right for us. No matter how many questions we have, you are patient, kind, and so pleasant. If you don't have an answer, you call back with the information in a timely manner.Thank you and we plan to work with you for years to come.Most sincerely,R. Fernando and Linda Roth
Eli CapouyaEli Capouya
00:12 11 Dec 21
Health insurance is something you do not really think about until you need it/use it. Benefits Cafe has always provided me & my business with the best options for healthcare coverage. When it came time to use it, they went above and beyond the call of duty to help me navigate the chaos of the healthcare payment system. I have worked with them for almost 20 years, and the personal assistance I always received from them could not have been better.
Ministerio Josue YrionMinisterio Josue Yrion
00:58 17 Apr 21
MS.MONZON HAS BEEN VERY FRIENDLY, PROFESSIONAL, AND KIND IN HELPING US WITH OUR INSURANCE NEEDS.WE REALLY APPRECIATE HER ATTENTION AND GREAT WORK.BLESSINGS!REV.DOS SANTOS
Elor Shem TovElor Shem Tov
21:44 15 Jan 21
We just set up a new group policy with Benefits Cafe, and their professionalism was beyond what we even hoped for. They are very nice and responsive, really took care of us and answered any question we had. They helped us get the best plans for our company and employees needs. We definitely will recommend them to anyone who needs health insurance and want to be taking care of!
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Treat yourself to Concierge Level Service with Benefits Cafe

Many of the finest hotels offer high paying guests special services that go above and beyond the care their other guests receive. Benefits Cafe offers all our employer clients and their employees and families special services that differ in only one way from other concierge service: our clients receive these services at no additional cost.

For employers, our concierge service starts by helping you shop the market for the best benefits at the lowest possible cost. We represent all of the insurance companies that offer medical insurance to employers in California. We can help you:

  • compare plans and rates;
  • select a plan or plans to present to your employees;
  • prepare communication material for your employees so that they understand their options;
  • help everyone enroll and get approved by an insurance company.

For your employees, Benefits Cafe concierge service includes helping them:

  • Understand or dispute a doctor, hospital or insurance company bill;
  • Obtain a doctor’s appointment or get access to medical providers; and,
  • Understand their benefits in an easy-to-understand way – either in English or Spanish; and very importantly
  • Advocate and advise on any issue related to their medical, dental, vision, group life insurance, short and long term care or any other benefit plan we help set up.

We take time to help your employees and their families understand their benefits and we’re an ongoing resource for our clients throughout the year. They can contact us through our toll free number (800)746-0045 or via email.

After everything is set up; we are a resource for the employer and human resource managers and administrators to answer any questions and solve any problems that may arise. We seek long-term relationships with our clients. We started our company in 1970 and we’ve worked with many of our clients for decades. Some of the no-cost extra services we give our clients include:

  • An online benefits enrollment and administration system that can integrate with various payroll systems;
  • A paid subscription to a cutting edge human resource library with helpful documents and information for employers with employee benefit questions such as COBRA and Cal-COBRA, HIPAA as well as the pay-or-play tax reporting requirements of the Affordable Care Act. The online HR library also has well researched information on all sorts of human resource questions such as preparing job descriptions, interviews, reviews, terminations and other employment law questions;
  • Monthly updates on employment issues and employee benefits;
  • For clients with at least 5 employees enrolled in a medical insurance plan, Benefits Cafe will purchase a Section 125 Premium Only Plan (POP) for the group. The POP plan enables employees to make contributions towards their employee benefits (medical, dental, vision) on a pre-tax basis;
  • For clients with at least 20 employees enrolled in a medical insurance plan, Benefits Cafe will pay for COBRA administration services. The Federal COBRA law allows employees and dependents to continue their group medical and dental coverage after a “qualifying event” such as termination of employment. COBRA requires the employer to send required notices and handle all of the billing and collection from terminated employees and their families. It’s complicated and we’ll hire a third party administrator to handle everything.

We realize that many employers don’t have the resources to hire an expert on employee benefits and we seek to provide that expertise to you at no cost.

The rates and benefits are identical whether you enroll through us, a different agent or broker, or directly with an insurance company. Because the rates and benefits are identical, we can do the shopping for you and help you understand your options. We want to be your trusted advisor for your employee benefit plans. Treat yourself to Benefits Cafe concierge level service, call 800-746-0045.

Concierge Level Service

Benefits Cafe offers concierge service at no additional cost.

For employers, our concierge service starts by helping you shop the market for the best benefits at the lowest possible cost from insurance companies in California. We can help you:

  • compare plans and rates;
  • select plans to present to your employees;
  • prepare communication material for your employees;
  • help everyone enroll and approved by an insurance company.

For your employees, we help:

  • Medical billing issues;
  • Access to medical providers; and,
  • Understand benefits in English or Spanish; and
  • Advocate and advise on medical, dental, vision, group life insurance, short and long term care or any other benefits we set up.

We help your employees and their families understand their benefits throughout the year. They can contact us toll free (800)746-0045 or via email.

We are a resource for the employer and human resource managers to answer any questions and solve problems. We seek long-term relationships with our clients. We started our company in 1970 and we’ve worked with many of our clients for decades. Some of our no-cost extra services include:

  • An online benefits enrollment and administration system;
  • A paid subscription to a human resource library;
  • Monthly updates on employment issues and employee benefits;
  • For clients with at least 5 employees enrolled in a medical insurance plan, Benefits Cafe will purchase a Section 125 Premium Only Plan (POP) for the group.
  • For clients with at least 20 employees enrolled in a medical insurance plan, Benefits Cafe will pay for COBRA administration services. The Federal COBRA law allows employees and dependents to continue their group medical and dental coverage after a “qualifying event” such as termination of employment.

The rates and benefits are identical whether you enroll through us, a different agent or broker, or directly with an insurance company. Because the rates and benefits are identical, we can do the shopping for you and help you understand your options. We want to be your trusted advisor for your employee benefit plans. Treat yourself to Benefits Cafe concierge level service, call 800-746-0045.

Articles & Information

Learn more about health care options with our free articles and information.

Articles

These help you understand many aspects of employee benefits.

View Articles

Charts

These help you visually understand health insurance.

View Charts

Health Care FAQ

These answer many of your Frequently Asked Questions.

View FAQ’s

Rules for California

Rules for California Small Business Health Insurance

View Rules

Rules for California

Rules for California Small Business Health Insurance

View Rules

Meet the team

We’re real people just a phone call away

Meet the team

We’re real people just a phone call away.

Bruce Jugan, president of Benefits Cafe

Bruce Jugan

Hi, I’m Bruce Jugan, president of Benefits Cafe. In 1993 I took over my dad’s insurance agency…

Full bio for Bruce Jugan

Stephanie Monzon

Stephanie Monzon

Hi, I’m Stephanie Monzon and I’ve worked at Benefits Cafe. since 1999. I’m a fully licensed…

Full bio for Stephanie Monzon

Mark Gomez

Mark Gomez

Hi, I’m Mark Gomez, and I am an Employee Benefits Specialist at Benefits Cafe since 2020. I graduated from the UNCC…

Full bio for Mark Gomez

Customer Reviews

Emma EverettEmma Everett
18:53 28 Aug 23
Benefits Cafe is outstanding. I came to them with an emergency situation, and they reflected my urgency and avoided an insurance disaster for my company. Their customer service is above bar. They will work directly with my employees answering questions about benefits. They are very knowledgeable. And they have several additional things they do, which add value without charging me. In a world in which we are nickel and dimed this is very refreshing. I know I can count on this experienced team. Not only that, they are all very kind and professional.
Nicole BenyaminNicole Benyamin
16:02 21 Apr 23
I had a great experience with Mark and Bruce. Both were very prompt and helped me out quickly to get our insurance plan going. Great service and communication. Highly recommend!
Thomas McAleerThomas McAleer
16:57 21 Oct 22
The folks at Benefits Cafe are very knowledgeable. A great resource to help you or your firm navigate the constantly changing landscape that is the healthcare industry. Highly recommend.
Elva StainthorpElva Stainthorp
19:10 04 Apr 22
We are a tech startup in the Bay Area and having Benefits Cafe manage our policy has been a game-changer! With so many complexities of the healthcare system, they simplify the whole insurance process. Benefits Cafe easily explains the nuances to the various plans and all the details of coverage. Their team takes care of our Open Enrollment process and throughout the year, answers employee questions from claims to billing issues to Covered California. They are subject matter experts on all things healthcare and we rely on them heavily for guidance and their expertise. Bravo Benefits Cafe!
Matt MillikinMatt Millikin
23:10 18 Mar 22
We've used Benefits Cafe to manage our company medical insurance plans for years now. They're very responsive to our employees whenever they have questions. They're very responsive to management whenever we have questions. Every year they do a great cost analysis talking us through what the carriers are doing with pricing, what our options to switch are, what options we can sub out or add to increase value to employees, etc. When we have changed our plan offerings they make things very easy for the staff to understand what changes are coming and walk the entire company through the whole process. We'd highly recommend them to anybody looking for assistance managing employee benefits!
Rebecca GiblinRebecca Giblin
22:00 04 Feb 22
As a small business owner Benefits Cafe is invaluable. By utilizing their years of experience and knowledge we can provide the most appropriate and best health care coverage for our employees with ease. We rely and take their advice on these important employee issues. Thank you Benefits Cafe!
Linda RothLinda Roth
22:39 29 Jan 22
Round of applause to the Benefits Cafe team of: Bruce, Stephanie, Cecilia, and Mark. Each one of you are excellent in every way. You help simplify the complexities of the insurance world and make it easier to decide what is right for us. No matter how many questions we have, you are patient, kind, and so pleasant. If you don't have an answer, you call back with the information in a timely manner.Thank you and we plan to work with you for years to come.Most sincerely,R. Fernando and Linda Roth
Eli CapouyaEli Capouya
00:12 11 Dec 21
Health insurance is something you do not really think about until you need it/use it. Benefits Cafe has always provided me & my business with the best options for healthcare coverage. When it came time to use it, they went above and beyond the call of duty to help me navigate the chaos of the healthcare payment system. I have worked with them for almost 20 years, and the personal assistance I always received from them could not have been better.
Ministerio Josue YrionMinisterio Josue Yrion
00:58 17 Apr 21
MS.MONZON HAS BEEN VERY FRIENDLY, PROFESSIONAL, AND KIND IN HELPING US WITH OUR INSURANCE NEEDS.WE REALLY APPRECIATE HER ATTENTION AND GREAT WORK.BLESSINGS!REV.DOS SANTOS
Elor Shem TovElor Shem Tov
21:44 15 Jan 21
We just set up a new group policy with Benefits Cafe, and their professionalism was beyond what we even hoped for. They are very nice and responsive, really took care of us and answered any question we had. They helped us get the best plans for our company and employees needs. We definitely will recommend them to anyone who needs health insurance and want to be taking care of!
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Understand your options

Select an insurance type below to learn more.

Group Plans for Small Businesses

Learn about small group health insurance in California

Choosing which California group health insurance plan is right for your employees can be a daunting task, but Benefits Cafe is here to help provide you with the information and resources to select the best group plan along with money-saving tips. Get a no obligation California medical insurance quote, and compare plans. Also learn how the benefits you offer can help your small business attract and retain employees.
Learn about small group health insurance in California.

Section 125 Plans

Learn more about Section 125 Plans

With a Section 125 Plan (also called Premiums Only Plans (POP), Cafeteria Plans or Flexible Spending Accounts (FSA)), employees pay their contributions before taxes for insurance premium, dependent care, and unreimbursed medical expenses. This can save both employees and employers money, and help small businesses offer health plans to employees that might not otherwise be affordable. Read more about Section 125 Plans.

Resources for Seniors

Learn more about Medicare Supplemental insurance

Health insurance can be a confusing topic for seniors. At BenefitsCafe.com, we are here to help you access your medical insurance needs. Those shopping for Medicare Supplemental health insurance in California will find carrier direct Med-Sup prices from UnitedHealthcare, Anthem Blue Cross of California, Health Net and Blue Shield. Learn more about Medicare Supplemental insurance.

California Health Benefit Exchange – Covered California

Learn more about the California Health Benefit Exchange

As part of the U.S. health care reform law, the California Health Benefit Exchange, called Covered California, will be a state-run organization that offers medical insurance plans to individuals, families, employers and employees. In this “market place” people can enroll in government-sponsored (public) and commercial (private) medical insurance plans. Some people may qualify for subsidies to reduce the cost of their health insurance when purchased through the Exchange. BenefitsCafe.com can help you understand your options. Learn more about the California Health Benefit Exchange.