Service
Group Health & Employee Benefits for California Businesses
At Regency West Insurance, we make it easy for California businesses to offer meaningful, compliant, and cost-effective group health insurance. Whether you’re a small business owner or managing HR for a growing team, we help you build a benefits package that attracts and retains top talent—without overextending your budget.
What We Offer
Customized Coverage for Your Team
Tailored Group Health Plans
From bronze to gold level coverage, we help you design a plan that fits your budget and meets your team’s real-world needs. We work with top California carriers to ensure reliable, flexible options.
Defined Contribution & Cost-Control Strategies
Give your employees choice while maintaining control of your budget. We guide you through innovative models like partially self-funded plans and defined contribution strategies that offer flexibility without sacrificing coverage quality.
Built-In Compliance & HR Support
We don’t just help you pick a plan—we help you stay compliant. From Section 125 Premium-Only Plans to ACA filing and California insurance plan regulations, we make sure your business is covered on all fronts.
Why Choose Us
Trusted by California Businesses
When it comes to group health insurance, we know that California businesses need more than just a one-size-fits-all solution. At Regency West Insurance, we provide hands-on guidance, deep industry knowledge, and tailored strategies that help you offer competitive benefits without overspending.
Specialists in California Group Coverage
Compliance-First, Hassle-Free Support
Customized Plans, No Cookie-Cutter Solutions
Year-Round Service, Not Just at Renewal
Common Inquiries
Group Coverage FAQs: What California Employers Need to Know
What size business qualifies for group health insurance in California?
Businesses with as few as one full-time employee (aside from the owner) may qualify for group health coverage in California. Eligibility depends on employee classification and consistent work hours. We’ll help you determine if your business meets the state’s group plan requirements.
How can offering employee benefits help my business grow?
Providing group health benefits can improve employee retention, satisfaction, and productivity. Competitive benefits packages make it easier to attract top talent, reduce turnover, and create a positive workplace culture—especially in a competitive California job market.
What’s the difference between fully-insured and self-funded plans?
A fully-insured plan means your business pays a fixed premium to an insurance carrier who takes on the risk. A self-funded (or partially self-funded) plan allows more control over costs by funding claims directly up to a certain threshold. We’ll help you decide which model works best for your team and budget.
How does Regency West Insurance support compliance with California regulations?
We stay up to date on California insurance plans, ACA guidelines, and state-specific compliance laws. From plan selection to renewal and reporting, we provide proactive support to ensure your business stays protected and compliant year-round.