A small Irvine employer loses candidates over benefits more often than over pay. Offering a plan is the fix, and the entry bar is lower than most owners think. We place group employee health benefits only. Nothing on this page is legal or tax advice.
One eligible employee is the floor
California small group rules are friendlier than owners expect. You need one eligible employee who is not an owner or a spouse. A founder plus one hire can qualify. We check your roster against the carrier rule before any application goes in.
Build the menu
A group package has four parts, and you do not have to take all of them.
- Group medical, the plan that carries the real risk.
- Group dental, which staff use and remember.
- Group vision, for exams, lenses, and frames.
- Voluntary lines your staff elect and fund by payroll deduction.
That is the full list. We do not place property, auto, liability, or workers compensation cover. We do not run payroll, sell HR software, or set up retirement plans. If you need those, we will point you to the right professional and step back.
The split is yours to set. Carriers require the company to carry a minimum share of the worker cost. Above that line you choose, and the rest comes out by payroll deduction. We model two or three splits so the effect is visible.
Networks are the decision
Most group plans fall over on network, not on cost. Your team may live in Tustin, Costa Mesa, or Santa Ana. An HMO network is narrow and routes care through a primary doctor. A PPO network is wider, skips referrals, and costs the company more.
An EPO keeps the narrow network and drops the referral step. We ask your key staff which doctors they already see. Then we test those names against each network on the table. Doing that first avoids the worst kind of surprise.
Renewal is an annual project
What happens each year
- 01
The letter arrives
Your carrier sets new rates for the coming plan year. We read it before you do.
- 02
Back to the carriers
We re-quote your census across the carriers we hold.
- 03
Both sides of the cost
We model what each option costs the company and what it costs a worker per pay period.
- 04
A clean switch
If you move, we handle the forms, the cancellation, and the new start date.
How enrollment runs
The meeting is short and we lead it. Video works well for Irvine teams that split time at home. Each worker gets a one page summary, an election form, and a deadline. We collect the forms and follow up on the gaps.
During the year, send us new hires as they start. We track waiting periods and file the elections. We serve employers across Orange County, from the 92612 ZIP code to 92618 and beyond.
Staff who reach 65
Employer size changes what that worker should do next, and a wrong step can cost them for life. Read Medicare in Irvine, then call us.
Where other questions go
We are insurance agents and we stay in that lane. The following are not ours to answer.
- Deduction codes and pay runs: your payroll provider.
- The tax side of the company contribution: your CPA.
- Whether a worker is a contractor: an employment attorney.
- Retirement and savings plans: a financial advisor.
Call (714) 922-0043 or use the contact form and we will review your roster. Our help costs your company nothing extra. You can meet the team or see your city page first.
Group health benefits options for Irvine residents
Why Irvine residents work with us
- Group benefits expertise for Irvine startups.
- Independent - we represent 20+ carriers, not one.
- Bilingual English + Spanish daily; Korean, Mandarin, Vietnamese available.
- Same agent year-over-year - no call-center rotation.