Laws in effect within the jurisdiction of a particular state always have an impact to the development of the state itself. For instance, a law enacted by the legislature of a particular state has the power to permit a business entity to base one of his regional operations within the state’s jurisdiction.

In the same manner, the law that allowed him to put up his business on the state has also the power to deny the previous privilege given to the business entity. Such action produces an impact to the development of the state in terms of employment and per capita income.

Such laws also guarantee the welfare of the state’s manpower for they also contribute to the overall standing of their local economy.

Increasing employment rate indicates that the state residents have jobs, thus sustaining their own needs sufficiently. The more efficient the employment rate of a particular state, the more business entities deploying their local operation on that state. It translates to more revenues for the state funds.

The state of California enacted laws that will protect the welfare of the local workers, especially in terms of compensation and benefits. One of which is called the California health insurance law which requires small business (California law defines “small business” as an entity with around an average of 2 to 50 employees) to provide health insurance coverage to their employees. Such law ensures that every employee working in California will receive their health benefits and assured that their medical needs will be provided.

However, because of the high cost of small group health insurance, employers tend to remove the insurance of their employees despite of the requirements stated on the California health insurance law. It is evident in the recent survey showing that more than half of small business owners operating in California do not provide any type of health insurance to their employees. They explained that they do not want to risk their capital on high health insurance premiums.

The average cost of health insurance for an employee is about 3,000 dollars per year.

Although it is easy to obtain a small group health insurance in California, most small business owners worry on the expenses. However, there are alternative options that you can consider to cover the health needs of your employees without sacrificing most of your capital and at the same time following what is mandated to you by the California health insurance law as an employer.

The first available option is through purchasing small group health insurance plans directly from the insurance provider. Always eliminate the option of hiring an insurance agent for it will translate to additional cost instead of cutting on your expenses. Obtain an insurance quote for small group plan through the insurance provider or on the Internet.

You will need some information about your employees which includes their complete names, birthdates, and home zip codes.

If you found out that you cannot finance the small group health insurance company from insurance companies, the next alternative is through California Chamber of Commerce or your local trade union or organization. Some of these organizations form purchasing pools to get an affordable small group health insurance plan for their members.

In case your local resources does not have that plan you are looking for, always check with California state health department. It is their responsibility to have that information regarding purchasing pools (whether locally or state-wide) which translates to affordable options for small group health plans.

High cost of small group health insurance for your employees does not necessarily mean that you will not oblige with the requirements stated by the California law. There are alternatives available for you. You just need to be creative and resourceful enough to find those alternatives.

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