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Covered California for Small Business –
New Blue Shield Plans

Starting July 1, Covered California for Small Business (CCSB) is offering new Blue Shield plans, providing more options for enrollees. These plans include the Access+ HMO Network with Platinum, Gold, and Silver metal tier options, as well as the Bronze Trio HMO 7000/70. The two most popular Blue Shield High Deductible Health Plans (HDHP), Silver Full PPO Savings 2300/25% and Bronze Full PPO Savings 7000 plans, are also now available.

All of these plans offer benefits such as Wellvolution, Teladoc Mental Health, Nurse Help 24/7, LifeReferrals 24/7, and the Blue Card program for when members are outside of California.

For assistance, please contact our Quotes team at or 800.696.4543.

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I’m thinking about selling my agency. Is there a buyer?

There are many potential buyers for your firm. Often other agencies in your area are the best candidates since they know the local conditions, may know you and your client base, and can understand the value of your business. These may be private firms or larger public firms. Other buyers include divisions of banks or private-equity backed agencies, a relatively new phenomenon.

Private-equity-backed agencies are responsible for much of the activity in today’s market. Examples of private-equity-backed firms are: Acrisure, Alera and AssuredPartners.

Typically, they are started by individuals with extensive agency experience who negotiate deals with investors, such as hedge funds, to finance the acquisition of independent agencies. Often, they use economies of scale in certain areas of the business to achieve a higher level of profit than the independent agency could have on its own. For example, they may have developed proprietary: technology, marketing/sales models or customer service models that are deployed within each acquired agency. Once acquired, an agency is usually permitted to run independently.

Benefit Specialist Magazine’s June issue, page 15, sidebar: “Insurance Agency Mergers and Acquisitions” provides data on the impressive growth in acquisitions during the 1st quarter of 2017.

Considering selling your agency to a third party or selling/gifting to a family member? Cheryl Kessler, Director, Vantage Point Advisors, delivered an insightful presentation (from both the buyer’s and seller’s perspective) at a recent meeting of the Golden Gate chapter of the Association of Health Underwriters (GGAHU). She would be pleased to discuss valuing your agency and can connect you with firms that can market the sale of your agency confidentially.

In our library, you’ll find carrier forms, applications, enrollment kits, broker bonuses, marketing resources, and more (video tutorial). However, not all carrier forms are available online.

If you don’t find what you are looking for, contact our team for help at 800.696.4543 or