For California health insurance consumers, the landscape for individual California health insurance plans continues to come into sharper focus post-Health Reform and the Affordable Care Act.

As you might expect, navigating the California health insurance marketplace post-Reform is a bit more difficult for California small business owners. While there is a bit more to sort out on the small group health insurance California front, the task is made easier here at Vitality Health Insurance Services thanks to a team of dedicated professionals who are bringing experience and expertise to the process of assisting small business leaders in effectively navigating the opportunities presented by Health Reform legislation.

With tax credits that climb as high as 35%, it’s an opportune time to review your employee health coverage strategies to understand how Health Reform has changed the health insurance landscape in favor of business owners who are determined to provide cost-effective health coverage for their employees. Employees with group health coverage benefits typically have better morale, lower absenteeism, and higher productivity. That’s a win-win for employee and employer alike.

While the opportunity for tax credits readily exists, it’s also important to understand the parameters for securing those tax credits and maximizing their impact. For example, here’s a couple of important ‘Did you knows?’

• In general, a sole proprietor, a partner in a partnership, a shareholder owning more than two percent of an S corporation, and any owner of more than five percent of other businesses cannot be considered employees for purposes of the credit.
• In determining the employer’s deduction for health insurance premiums, the amount of premiums that can be deducted is reduced by the amount of the credit.

As we mentioned above, if you’re a small business owner here in California and securing health coverage for your team of employees is on your business radar, reach out to the team at Vitality and we’ll reach back with the creativity and innovation we bring to creating winning California small business health insurance strategies along with the experience and expertise you and your team can rely on moving forward.

California’s – and the Nation’s – economic environment remains challenging: We understand that you are meeting these challenges on a daily basis. There’s no reason why your review and selection of an employee health coverage strategy should be challenging as well. Our client services are always free and we are committed to a Total Quality client experience: Finding the right blend of performance and cost efficiency in the coverage you select is vital and we can also be relied upon to be there with the great value-add that is our commitment to outstanding customer service moving forward after you’ve selected the health coverage strategy that is uniquely right for your California small business.