Why do agents have to pay the $60?

The $60 is a Department of Insurance endorsement fee.

If an agent is currently appointed with a carrier that is also a Covered CA carrier, does the appointment automatically carry over?

Individual Marketplace – The appointment carries over.

Covered California for Small Business – Certified Insurance Agents must be appointed by Covered California to receive commissions.  Agents do not need to secure appointments with each of the carriers in Covered California for Small Business.  Agents will be appointed under the Covered California for Small Business Master Agent Agreement and agents will then have sub-appointments with all participating Covered California for Small Business carriers.

Does the agent need to be appointed by each health insurance company?

Individual Marketplace – Certified Insurance Agents must be directly appointed by each of the health insurance companies in Covered California to receive commissions from the health insurance company.

Covered California for Small Business – The Certified Insurance Agent qualification is all that agents need to receive commissions from Covered California for Small Business.  Agents do not need to secure appointments with each of the carriers in Covered California for Small Business.

What is the required employer contribution for Covered California for Small Business?

Employers must contribute a minimum of 50% of the employee-only premium amount of their selected anchor plan.

Can Certified Insurance Agents help employers and employees apply through Covered California for Small Business?

Yes.

Can a small employer group enroll without a broker of record?

Employers can enroll directly with Covered California for Small Business if they are able to navigate through the application process on their own. However, it is best for employers to seek the assistance of an agent.

Is an employer permitted to NOT offer coverage to dependents?

Yes, in Covered California for Small Business employers have the option of not offering dependent coverage.

Are 1099 workers eligible for Covered California for Small Business?

Seasonal workers, 1099 contract workers, part-timers working less than 20 hours per week, and temporary workers are NOT eligible to participate in Covered California for Small Business.

What ID will be required of employees when purchasing a Covered California for Small Business plan?

Social Security Number or Tax Identification Number