Covered California for Small Business

Health Coverage That Works
as Hard as Your Team

Covered California for Small Business helps employers offer medical, dental and vision coverage.

Let’s Get Started

Protect Your Business
with Covered California

Covered California for Small Business helps employers offer medical, dental and vision coverage.

Let’s Get Started

Invest in Your Employees
with Covered California

Covered California for Small Business helps employers offer medical, dental and vision coverage.

Let’s Get Started

Covered California for Small Business (CCSB) is California’s official health insurance marketplace for small businesses with 1 to 100 full-time equivalent employees. It allows employers to offer high-quality, ACA-compliant group health coverage — all in a way that’s simple, flexible, and cost-effective. Through CCSB, business owners can provide employees with a choice of health plans across different coverage levels, while potentially qualifying for federal tax credits to help offset the cost. Employers also have the option to include dental and vision coverage to create a more competitive benefits package. At Skyline Benefit, we’re certified CCSB brokers ready to help you compare plans, handle enrollment, and support your business every step of the way.

You have between 1 and 100 full-time equivalent (FTE) employees. This includes both full-time and part-time staff calculated by total hours worked.
You have at least one W-2 employee who is not the business owner or their spouse. Sole proprietors without W-2 employees are generally directed to the individual marketplace instead.
Your business is legally licensed and based in California, with the majority of eligible employees residing in the state.
This ensures compliance with CCSB rules and guarantees statewide network access through participating carriers.

HMO (Health Maintenance Organization)

Requires members to use a network of doctors and hospitals
Care is coordinated through a primary care physician (PCP)
Lower premiums, but less out-of-network flexibility

PPO (Preferred Provider Organization)

Offers more flexibility to see out-of-network providers
No referral needed to see specialists
Typically higher premiums, but greater provider choice

Both plan types are offered by only these carriers: Blue Shield, Kaiser Permanente, and Sharp Health Plan.

Availability varies by:

ZIP code of your business and employees
Employee age
Selected metal tier (Bronze, Silver, Gold, Platinum)

Every CCSB plan is ACA-compliant and includes essential benefits such as preventive care, hospitalization, mental health, and more

HMO

Lower cost, in-network care with referrals.

PPO

More flexibility to see out-of-network doctors.

What Are the Benefits of Using CCSB?

Covered California for Small Business makes it easier—and often more affordable—for employers to offer health coverage.

Tax Credits: Eligible businesses can get up to 50% back in federal tax credits.
Multiple Plans, One Application: Access Kaiser, Blue Shield, and Sharp Health with a single setup
Streamlined Admin: Simplified billing and renewals reduce paperwork.
Employee Flexibility: Staff can pick the HMO or PPO that fits their needs—at no extra admin cost to you.

Most Popular Plans:

Side-by-Side Plan Comparisons

We help you evaluate all CCSB options—by carrier, cost, and network—to find the right fit for your team.

Full-Service Support

From paperwork to employee onboarding and compliance, we manage the process from start to finish.

Expert Help, No Extra Cost

Our licensed brokers guide you at no charge. You’ll get personalized support—without paying more.

Learn more about Covered California for Small Business

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We make the process simple and fast

Choosing a healthcare plan can be overwhelming; we simplify the process for you

We customize health coverage to your needs

We tailor your healthcare options to your unique needs and budget

We offer flexible and affordable coverage options

With our carrier network, you have access to a variety of affordable health insurance plans

We are committed to excellence in what we do

We serve our clients with professionalism, integrity and great care

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We do the shopping and you do the saving!

As an independent health insurance broker, we represent multiple insurance companies and coverage options.

How Does Skyline Benefit Get Paid?

An insurance company generally offers a commission to Skyline Benefit as an independent broker.

You pay the same price for coverage whether you work with Skyline Benefit or buy it on your own. You pay NOTHING for our services.

Do I Need A Health Insurance Broker?

Whether you need a health insurance broker depends on how comfortable you are with health insurance shopping. Confusion about health insurance can cost a lot of money and stress.

Skyline Benefit wants to be your trusted advisor when it comes to your healthcare shopping.

Is My Personal Data Secure and Confidential?

Skyline Benefit understands that the confidentiality, integrity and availability of data is vital to our clients.

We have therefore implemented data security procedures. You can refer to our Privacy Policy and Terms of Agreements.

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What is Covered California for Small Business (CCSB)?

Who Qualifies for CCSB Plans?

What Health Plans Are Available Through CCSB?

HMO

PPO

What Are the Benefits of Using CCSB?