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We are in California. Over the years of our business we have gone from Blue Cross/Anthem to now being with Kaiser- at one point we had a carve out plan where we had both. However, it always makes sense to go through a Broker who knows all the ins and outs each Insurer and its plan. The broker commission is paid by the Insurer not you directly. I believe the broker receives more when you add more employees to the plan - so they are invested in your growth. For our Company, the Company pays the first $200 of the plans monthly premium, the rest comes out of the employee paycheck, pre-tax. For employees 20-29, the premium plans range from $150-400. For 30-39 and Employee+Spouse or Family they go up to $300-1000. The employee can pick any plan that is offered (HSA, HMO, PPO, hybrids).



The monthly contribution amount is determined by company policy. It can be a $ amount or %. It just needs to be stated in policy and applied consistently to all employees.




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