- Providing world class service and value for employee benefit group plans since 1987
Los Angeles is a powerhouse of creativity, commerce, and innovation. As the second-largest city in the United States, LA boasts a thriving economy supported by industries like entertainment, technology, healthcare, education, and manufacturing. With such a diverse and competitive job market, companies must go beyond salary to attract and retain top-tier talent. Offering comprehensive group health insurance and employee benefit plans is no longer optional — it’s a standard expectation in a city where living costs and professional standards are high.
According to national employment data, nearly 70% of full-time workers in the private sector have access to employer-sponsored health insurance. In metropolitan areas like Los Angeles, those benefits are often a deciding factor for skilled professionals considering job offers. At Taylor Benefits Insurance, we specialize in helping Los Angeles businesses design custom group health plans and employee benefit strategies that support their workforce, build loyalty, and improve overall business performance.
Providing group health insurance in Los Angeles has far-reaching advantages that go beyond basic compliance. Here’s why investing in a solid benefits package is a smart move for any LA employer:
Attract High-Caliber Talent: Professionals in Los Angeles expect strong benefits. Offering a solid healthcare plan gives you an edge in hiring.
Increase Employee Retention: Employees who feel secure and supported are more likely to stay long-term.
Boost Productivity and Morale: Healthy, supported employees are more focused, motivated, and productive.
Receive Tax Advantages: Employer contributions toward group health insurance are typically tax-deductible.
Taylor Benefits Insurance works with businesses across LA to design affordable, strategic group plans that keep teams healthy and engaged.
Selecting the right Los Angeles group health insurance plan is about balancing cost, flexibility, and value. We help companies explore all major plan types, including:
Health Maintenance Organization (HMO): HMOs require employees to use in-network providers and get referrals to see specialists. They’re known for lower premiums and copays, making them ideal for cost-conscious employers that want predictable healthcare expenses.
Preferred Provider Organization (PPO): PPOs offer employees the freedom to visit any healthcare provider without referrals, even outside the network. While premiums are slightly higher, the added flexibility makes PPOs a popular option in fast-paced, diverse workplaces like those in Los Angeles.
Exclusive Provider Organization (EPO): EPO plans require employees to stay within a defined network of providers but do not require referrals. These plans offer a middle-ground between flexibility and affordability, ideal for mid-sized businesses that want efficiency without limiting choice too much.
High Deductible Health Plans (HDHP) with Health Savings Accounts (HSA): HDHPs lower premium costs and are typically paired with HSAs, which allow employees to save pre-tax dollars for medical expenses. This combination empowers employees to take control of their healthcare spending while benefiting from tax advantages.
Taylor Benefits Insurance can guide you through these options, ensuring your selected plan fits your company size, industry, and employee expectations in Los Angeles.
Small companies in California are protected from being denied health insurance coverage. The legislature enacted new laws to guarantee group coverage for companies with between two and fifty workers, as long as the business:
Small businesses with fewer than 25 workers may qualify for tax credits from SHOP (Small Business Health Options Program). However, companies can find options through SHOP with as many as fifty workers. Your Taylor Benefits Insurance representative can help.
In California, employees of virtually every company are entitled to paid sick leave, which they accrue at the rate of one hour per 30 hours worked. Companies don’t have to offer paid vacation time. However, California has rules about how accrued time must be handled for companies with a vacation time benefit.
Employees want health insurance, paid time off, and flexible schedules. Most also prefer that their company sponsor and contribute to a retirement plan. Quickly moving up the list of frequently mentioned perks are student loan payment assistance and tuition reimbursement.
Managing healthcare costs is important to the success of any business and it’s only going to get more important as the Affordable Care Act continues to be phased in. It’s more vital than ever for businesses in California to offer comprehensive group health insurance benefits to their employees, particularly with all the specific requirements in place that apply to hours worked, number of employees and minimum health care coverage laws for group and individual insurance plans.
Navigating the waters of health plan reform without a paddle can leave your business sinking quickly, which is why we offer care health plan solutions that maximize your incentives and tax credits. The changes brought on by the PPACA, also referred to as “Obamacare,” are already upon us will continue to affect the way businesses operate well into the future.
Contact us today to learn how we can help you minimize the costs and maximize the coverage of your group health insurance & health coverage benefits! We offer a free California health care coverage proposal using the online form or you can call us at 1-800-903-6066 to speak to a health insurance benefits specialist!
To stand out in LA’s competitive labor market, businesses need to offer a benefits package that supports every aspect of employee life. Here’s how Taylor Benefits Insurance helps you deliver a well-rounded offering:
Dental and Vision Insurance: Dental coverage includes preventative services (cleanings, x-rays), basic care (fillings), and major procedures (crowns, orthodontics). Vision insurance covers exams, glasses, and contact lenses. These benefits support full-body wellness and help catch health issues early, which matters in high-performance environments like LA’s.
Life and Disability Insurance: Life insurance provides financial security to an employee’s family in case of death. Disability insurance ensures employees can maintain income if illness or injury prevents them from working. These benefits reduce financial stress and offer employees peace of mind.
Retirement Plans (401(k), Roth, SIMPLE IRAs): In a city where living expenses are high, offering retirement savings with employer contributions helps employees plan for their future. Retirement plans also show long-term investment in your team’s financial well-being.
Employee Wellness Programs: Programs that include gym memberships, mental health counseling, nutrition coaching, and health screenings improve employee health, lower insurance claims, and boost morale. These offerings are especially important in Los Angeles, where wellness culture is strong and expected.
Paid Time Off (PTO), Sick Leave, and Parental Leave: Work-life balance is a top concern for LA employees. Providing generous leave policies improves satisfaction, reduces burnout, and supports long-term employee loyalty.
Flexible Spending Accounts (FSA) and Health Reimbursement Arrangements (HRA): FSAs let employees use pre-tax dollars for medical or dependent care. HRAs are employer-funded accounts for reimbursing medical costs. Both options reduce out-of-pocket expenses and deliver tax benefits to your business.
Group health insurance plans & benefits available in Los Angeles:
Curious about how you can save money on group health plan and employee benefits offerings? Call us at 1-800-903-6066 for a free support consultation or fill out the form at the top of the page for a no obligation group benefit proposal for your organization!
Businesses offering group health insurance in Los Angeles must meet several federal and state legal standards. Key regulations include:
Affordable Care Act (ACA): Employers with 50 or more full-time employees must provide affordable, minimum-value health coverage.
ERISA Compliance: Ensures fair and transparent benefits management.
HIPAA Regulations: Protect the privacy of employees’ medical records.
California-Specific Requirements: State law includes additional mandates around mental health coverage, fertility services, and more.
Taylor Benefits Insurance keeps your Los Angeles business compliant, informed, and protected against legal and financial risks.
With over three decades of experience in the benefits industry, Taylor Benefits Insurance is a trusted partner for companies throughout California. Here’s why LA businesses choose us:
Customized Benefits Planning: We design plans tailored to your company’s goals, size, and workforce demographics.
Access to Top Carriers: As an independent broker, we shop multiple insurance providers to find the best pricing and coverage.
Clear, Honest Communication: We explain your options in simple terms and help you make informed decisions.
Dedicated Support Year-Round: From plan setup to renewal, we offer ongoing guidance to ensure your plan stays competitive and compliant.
Whether you’re a creative agency in West Hollywood, a startup in Silicon Beach, or a manufacturing firm in the San Fernando Valley — Taylor Benefits Insurance has the expertise to build your ideal Los Angeles group health insurance and employee benefits plan.
There are various health insurance plans available in Los Angeles county (California) like HMO, POS. FFS, and PPO. Thus, it is important to enroll for the right one from health plans. Consider all aspects like enrollment cost, financial coverage, eligible network hospitals under California department, families covered California members, etc.
Choose from the top Covered California plans like Blue Shield, Anthem Blue Cross, L.A Care, etc. The L.A care plans differ in terms of individual health insurance coverage and the health resources.
So, it’s important to discuss these details in person with the Medicare broker to know the process.
Get the best affordable insurance plans available for employers. Join our community of best Medicare for your organization and you may be eligible for enrollment discounts. Get detailed L.A care quotes instantly without giving access to your telephone or e-mail address.
Instant enrollment for members and their families with our safe, secure and fast online support service. Choose the best Medicare plan for employees and their family within minutes with our quick online process. We have health plans for all budget.
Use our online easy resource to help find the best L.A care plan for your organization employees. Call us today and get answers to all you queries regarding network plan, how to find a doctor with zip code, how will the members access the services, cost to add more people to the Medicare network, and more.
Your employees are the foundation of your business — and giving them access to meaningful group health insurance and employee benefits is one of the best investments you can make. Taylor Benefits Insurance is ready to help you create a plan that supports your people and drives business growth in one of the country’s most competitive markets.
Contact Taylor Benefits Insurance today at 800-903-6066 to schedule a free consultation and begin building your custom Los Angeles benefits package.
We offer a wide range of health insurance plans in California. We are a broker offering group healthcare plans with most health insurance and life insurance providers. From Los Angeles to San Diego to San Francisco and anywhere in between, our agents can find the right plan for you.
We have access to all leading California insurance carriers. Just let us know your address or zip code in California and we will provide the best options for your company. We also remind you when you need to pay for renewal of the policy.
California state could ban people who have no basic healthcare resources. We are the top insurance broker to help you find affordable health insurance according to your financial budget. Additionally there can be fines against anyone having insufficient healthcare coverage to pay for diagnosis and treatment.
There are several reasons to consider getting small-group health insurance coverage for your business:
1. Cost savings: Group health insurance plans often offer lower premiums and better coverage options than individual plans, making them a cost-effective option for both employers and employees.
2. Attract and retain talent: Offering health insurance coverage can help attract top talent to your business and retain current employees by providing valuable benefits.
3. Improved employee health and productivity: Access to health insurance can help employees stay healthy and address medical issues promptly, leading to improved productivity and reduced absenteeism.
4. Compliance with regulations: In some states, businesses with a certain number of employees must provide health insurance coverage. Offering a group health insurance plan can help ensure compliance with these regulations.
5. Tax benefits: Small businesses may be eligible for tax credits or deductions for offering health insurance coverage to employees, providing additional financial incentives.
Providing small-group health insurance coverage can benefit employers and employees by promoting wellness, financial security, and overall satisfaction in the workplace.
What are the key benefits of Los Angeles Group Health Insurance for small businesses?
Key benefits of Los Angeles Group Health Insurance for small businesses include cost savings, access to better coverage options, improved employee retention and morale, and compliance with healthcare regulations.
How can companies reduce their premiums for Los Angeles Group Health Insurance?
Companies can reduce their premiums for Los Angeles Group Health Insurance by implementing wellness programs, offering high-deductible plans, shopping around for competitive rates, and negotiating with insurance providers for discounts. They can also consider self-funding options or joining a larger group for better rates.
Here are answers to some frequently asked questions regarding health insurance coverage in Los Angeles, California.
Taylor Benefits Insurance can link you with some of the country’s largest health insurance providers. When it comes to large group coverage, you can always count on us to get you a great bargain.
We cooperate with the insurance providers listed below:
There are a variety of health insurance options available to small business owners in Los Angeles.
Group health insurance is one of the most popular options. A specific health plan fee is paid by employers in order to provide health benefits to their employees and, in some cases, their families, a portion of which may be covered by employees.
A Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) is also an option for your company. Employees may receive a fixed sum of money from their employers in the form of incentives each month (at their discretion).
Group Coverage Health Reimbursement is also available. Employees would be offered health insurance as well as monthly allowances to cover other health expenses, for example.
Small businesses face risks from self-funded health insurance. In this plan, employees pay their medical bills or prescriptions to their employers. Instead of paying monthly premiums, companies pay their employees on a bill-by-bill basis.
AHPs are the last option on the list, and most small businesses find them risky. An AHP is implemented when smaller companies within an industry or location decide to contribute and purchase a large group health plan.
Taylor Benefits Insurance Agency offers the following benefit plans to Los Angeles, California employers and employees:
Employees can make any amount of contribution to group health insurance programs. The average employee spends about $3240 annually, which is more than three times less than the average American’s yearly healthcare costs.
The right health care coverage plan in Los Angeles, California, will depend on individual needs, preferences, and financial situation. To find the best fit, it is recommended that you research and compare different health insurance plans offered by various providers in the area. Additionally, consulting with a licensed insurance agent or broker can help you navigate the options and make an informed decision.
What is group health insurance?
Group health insurance is a policy purchased by an employer to provide coverage for a group of employees. It offers benefits such as medical, dental, vision, and other health-related services. This type of insurance is typically more cost-effective than individual plans due to group rates and employer contributions.
What is the main advantage of group insurance for businesses in Los Angeles?
The main advantage of group insurance for businesses in Los Angeles is cost-effectiveness. By pooling employees together, companies can secure better rates and comprehensive coverage, ultimately saving money compared to individual plans. Additionally, group insurance fosters a sense of loyalty and well-being among employees, leading to higher retention rates and productivity.
How does group health insurance differ from individual insurance in Los Angeles?
Group health insurance in Los Angeles is typically provided by an employer, covering a group of employees. Individual insurance is purchased directly by an individual, offering personalized coverage. Group plans often have lower premiums and broader coverage options, while individual plans can be customized to specific needs.
Who splits the premiums in a group health insurance plan?
In a group health insurance plan, the premiums are typically split between the employer and employees. Employers often cover a portion of the cost, while employees contribute through payroll deductions. The exact breakdown of premium sharing can vary based on the specific plan and employer policies.
What type of insurance is most commonly used for group plans in Los Angeles?
Health insurance is the most commonly used type of insurance for group plans in Los Angeles. Employers typically offer health insurance to employees as part of their benefits package. Health insurance provides coverage for medical expenses, including doctor visits, hospital stays, and prescription medications.
What is the difference between a PPO and HMO in Los Angeles?
In Los Angeles, the main difference between a PPO and HMO lies in network flexibility and cost. PPO plans offer more freedom to see out-of-network providers but come with higher premiums and deductibles. HMO plans, on the other hand, require referrals and have lower out-of-pocket costs but limited provider options.
How are group health insurance premiums calculated in Los Angeles?
Group health insurance premiums in Los Angeles are calculated based on factors like the number of employees, their ages, location, and chosen coverage options. Insurance companies use these details to determine the overall risk and cost of providing coverage to the group, resulting in a tailored premium amount.
What are the factors influencing health insurance premiums in Los Angeles?
The factors influencing health insurance premiums in Los Angeles include age, gender, pre-existing conditions, coverage level, and location. Insurance companies also consider medical history, lifestyle habits, and the chosen insurance plan when determining premium rates. It’s essential to compare quotes and understand these factors to find the best coverage.
What are the best group health insurance plans for Los Angeles residents?
The best group health insurance plans for Los Angeles residents typically include options from well-known providers like Taylor Benefits Insurance Agency, Blue Shield of California, Kaiser Permanente, and Health Net. These plans offer comprehensive coverage, affordable premiums, and access to a wide network of healthcare providers in the Los Angeles area.
Is Los Angeles healthcare considered good compared to other regions?
Yes, Los Angeles healthcare is generally considered good compared to other regions. The city boasts world-class medical facilities, renowned hospitals, and top-rated healthcare professionals. With a wide range of specialized services and cutting-edge technology, Los Angeles is a hub for quality healthcare in the United States.
Todd Taylor oversees most of the marketing and client administration for the agency with help of an incredible team. Todd is a seasoned benefits insurance broker with over 35 years of industry experience. As the Founder and CEO of Taylor Benefits Insurance Agency, Inc., he provides strategic consultations and high-quality support to ensure his clients’ competitive position in the market.
Todd Taylor with Taylor Benefits gives our small business the kind of personal service we need. Insurance benefits are important to our employees and Todd helps us find a balance between benefits and value. Todd responds immediately to my phone calls & e-mails. He has even gotten in touch with me on a Sunday when we were in need of coverage answers immediately. We are very pleased with the hands-on service Todd and his staff provide.”
-Ken and Linda Orvick, Orvick Management Group, Inc.
We’re ready to help! Call today: 800-903-6066