Boost Employee Satisfaction
Allow employees to choose the health and dental plans best suited to their needs while enjoying the convenience of one consolidated monthly bill.
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Small Business
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Great Benefits With Great Management Tools
Customize your health insurance options to meet your employees' needs.
Control Health Plan Costs
Manage expenses with competitive pricing and financial help for small businesses that qualify, available only through Covered California for Small Business.
Streamlined Management
Easily manage enrollment, renew and switch plans and update employee information through the MyCCSB online portal, with expert support available.
Frequently Asked Questions
A streamlined approach to your staff's health insurance needs.
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About Us
Our mission is to empower businesses with tailored health insurance for their employees.
Covered California for Small Business (CCSB), formerly known as the Small Business Health Options (SHOP) program, is dedicated to helping small businesses across California offer quality health and dental insurance to their employees. By providing access to a competitive marketplace, CCSB allows employees to choose the coverage and medical providers that best meet their needs. Our goal is to simplify the process of obtaining and managing health benefits, ultimately enhancing employee satisfaction and supporting the well-being of businesses statewide.
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This tool is for people who have been offered a Health Reimbursement Arrangement (HRA) by an employer to help pay for health insurance. If you are offered certain types of HRAs, you may not qualify for a tax credit to help purchase a Covered California plan. This tool will help you determine how the HRA you're offered affects your eligibility for a tax credit and what to do next.
There are several types of HRAs, and only some of them require you to use this tool. If your HRA requires use of this tool, you should have received a clear written notice from your employer explaining the terms of the HRA. You will need that notice, along with information to help estimate your household income, when you are ready to use this tool.
Use this tool if...
You have been offered one of the following HRAs that can be used to help buy a health insurance plan on your own:
- An "Individual Coverage HRA" (ICHRA)
- A "Qualified Small Employer HRA" (QSEHRA)
(One of these terms will appear on the notice from your employer.)
Skip this tool if...
Your employer has only offered you one or more of the following:
- An HRA other than an Individual Coverage HRA or a Qualified Small Employer HRA
- A health savings account (HSA)
- A health flexible spending arrangement (FSA)
- Traditional employer-sponsored health insurance
- Other types of health benefits
- No health benefits
Not sure where to start?