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 Jose 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 Jose.
Small Business & Group Health Insurance Brokers near San Jose
Licensed agents can compare plans available in Santa Clara County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in San Jose
- Networks worth checking before you pick a plan in San Jose include the county-run Santa Clara Valley Healthcare system (Santa Clara Valley Medical Center, O'Connor Hospital and Regional Medical Center of San Jose) and Good Samaritan Hospital. Source
- Good Samaritan Hospital is a full-service hospital in San Jose offering emergency, surgical, women's and pediatric care. Source
- Public health in San Jose is handled by the County of Santa Clara Public Health Department. 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.
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.
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.
Frequently asked questions
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.
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.
Small business in nearby cities
- Los Altos Hills, CA 17 miles
- Fremont, CA 17 miles
- Palo Alto, CA 18 miles
- Newark, CA 18 miles
- Boulder Creek, CA 19 miles
- Scotts Valley, CA 19 miles
- East Palo Alto, CA 19 miles
- Stanford, CA 19 miles
- Ben Lomond, CA 20 miles
- San Martin, CA 21 miles