Before subsidies, the average benchmark silver plan for a 40-year-old in California costs $655 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size.
Small business owners near San Francisco can use a benefits broker to set up group health insurance, an ICHRA or a QSEHRA. These 10 firms focus on employee benefits, sorted by distance from San Francisco.
Small Business & Group Health Insurance Brokers near San Francisco
Licensed agents can compare plans available in San Francisco County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in San Francisco
- The city-run San Francisco Health Network, which includes Zuckerberg San Francisco General (a Level 1 trauma center), Laguna Honda Hospital and neighborhood primary care clinics, is one network worth checking before you pick a San Francisco plan. Source
- The San Francisco Department of Public Health serves the combined city and county, running population health services, behavioral health care and the San Francisco Health Network. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
Self-employed with no employees?
Group plans usually need at least one non-owner employee. Solo owners typically buy individual coverage, often with a premium tax credit.
Do I need a minimum number of employees?
Small-group rules vary by carrier and state. Many carriers write group plans for businesses with as few as one or two employees besides the owner; a broker can tell you what's available in California.
Options for small employers
Traditional small-group plans, level-funded plans, ICHRAs (employees buy individual plans with tax-free employer money) and QSEHRAs for businesses under 50 employees.
Frequently asked questions
What is an ICHRA?
An individual coverage HRA lets an employer give employees tax-free money to buy their own individual health plans. It works for businesses of any size.
How much does small business health insurance cost in California?
Premiums depend on employee ages, location, plan design and how much the employer contributes. A benefits broker can quote several carriers and funding options side by side.
Do benefits brokers charge employers?
Most are paid commissions by the insurer. Some charge consulting fees for larger groups or extra services; ask before you sign.
Small business in nearby cities
- Mill Valley, CA 12 miles
- Albany, CA 12 miles
- Berkeley, CA 12 miles
- Corte Madera, CA 12 miles
- Burlingame, CA 12 miles
- Piedmont, CA 13 miles
- Oakland, CA 13 miles
- Larkspur, CA 14 miles
- El Cerrito, CA 14 miles
- Kensington, CA 14 miles