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Whether you're a California Vape Shop serving the pubic or an e-liquid/device manufacturer, your ability to attract and retain high quality employees is important to the success of your business.
With the FDA Deeming Regulations and an uncertain future, it is more important than ever to ensure that your business can continue to grow and succeed. Rewarding your employees with a benefits package helps to set your business apart from your competition as well as retain and reward your best people.
At Vape-Insure.com, we offer your vapor business choices in employer benefit programs from great California insurance companies including:
Anthem Blue Cross
Health Net California
Covered California SHOP
Employer Benefit Package options include: Health, Dental, Vision, Disability and Life Insurance.
Plan coverage choices including HMO, PPO, EPO, HRA, and HSA
The Vapor Industry is a "young" industry and, as such, your business may employ younger people. One of the more frequent questions is whether or not employees under age 26 need to be covered by an employer benefit plan.
Rules under ObamaCare (and likely to follow under TrumpCare) allow children up to age 26 to remain on their parent's health coverage. If your business has employees under 26 who wish to remain on their parent's group plan, they are considered a valid waiver for your coverage offer and do not count towards any employee participation requirements.
Open Enrollment Period
Small Employer Group Plans are available for enrollment year-round. Unlike Individual & Family Plans which are subject to an annual Open Enrollment Period (will be only 45 days for 2018), Employers may start or change group coverage any time during the year. There is a Special Enrollment Period for small groups every year in December when employers who cannot meet participation or cost-sharing rules may enroll.
Covered California SHOP Tax Credit
As a small-business owner, you may qualify for a federal tax credit to help offset the cost of providing health insurance to your employees by purchasing coverage with Covered California for Small Business. To qualify for a tax credit, employers must contribute at least 50 percent of their employee premium costs.
Your tax credit will depend on a number of factors, including the number of full-time-equivalent employees you have and the amount you contribute toward premiums. Generally, small businesses that have fewer than 25 full-time-equivalent employees and pay an average annual salary of less than $50,000 a year will be eligible for the tax credit. Employers with fewer than 10 full-time-equivalent employees with wages averaging less than $25,000 per year may be eligible for the maximum tax credit amount.
The maximum tax credit available is 50 percent of premium expenses, and the maximum credit for tax-exempt employers is 35 percent. Small businesses must purchase health insurance through Covered California for Small Business to be eligible for the tax credits offered.
The amount of the tax credit cannot exceed the total income and Medicare tax the employer is required to withhold from employees’ annual wages, plus the employer’s share of the Medicare tax.
Current California Law requires eligible employer groups to have at least two employees with at least one common-law employee paid W-2 with payroll tax withholding. Spouses and Domestic Partners may no longer constitute the two employees.
Small Group coverage is available to groups 1-100 employees enrolling. In certain cases the owner(s) may enroll only themselves as long as the common-law employees are waiving coverage in favor or other group coverage (parental) or a government program like Medi-Cal (California Medicaid), Medicare, VA or other military medical benefit.
Vape-Insure.com is a division of David Fluker Insurance Services. David is a licensed independent agent residing in Gilroy, California. Since 1995, David has been serving the needs of California individuals and small businesses.
David is a former smoker of 36 years who made the successful switch to Vaping in 2013. In addition to begin an avid vaper and advocacy proponent, David hosts vapor product reviews on his YouTube channel Garlic City Vapor.
If you are interested in starting a new employer group plan or evaluating your current plan, please call Dave toll free at 800-509-0659 to discuss options and solutions.
If you like, you can fill out and submit our Employer Census Form to receive group quotes for your vapor business.
Employer Benefit Plans for California Vapor Businesses
Division of David Fluker Insurance Services Gilroy, California California Insurance License 0B58920
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This web site is owned and maintained by David Fluker Insurance Services, which is solely responsible for it's content. The site is not maintained by nor affiliated with Covered California, and Covered California bears no responsibility for it's content. The e-mail addresses and telephone numbers that appear throughout the site belong to David Fluker Insurance Services and cannot be used to contact Covered California.