Get To Know CalCPA Health
If you haven’t worked with CalCPA Health before, now is the time. Something we want brokers to be aware of is that in recent years, the California Society of Certified Public Accountants (CalCPA) expanded to include financial professionals. You may have thought we only wrote CPA firms who are members of CalCPA – but now we write financial service firms who are CalCPA members. So, what exactly is a financial services firm? Generally, think of businesses that help with or manage other people’s/businesses money, such as: wealth management, advisors, financial institutions, fiduciaries, loan brokers, retirement, tax, leasing, etc. This is a good opportunity for health insurance brokers because their existing (business) customers likely have CPA and financial services firms they can easily prospect to.
Since 1959, CalCPA Health has provided health and benefit plans to California CPA and financial service firms of all sizes. Small employers have access to the same benefits, provider networks, wellness programs, and services as large employers. We are a licensed carrier in California authorized to write medical, dental, vision, life, and LTD. Our clients understand the many benefits of Health Saving Accounts (HSAs) and we have responded with the largest offering of HSA plans in the state along with a unique “integrated” HSA administrative capability, making it simple for employees to manage their claims and employers to manage eligibility. You owe it to your clients to tell them about CalCPA Health – here are some reasons why:
- 40+ plans available
- Medical PPO, EPO, HSA & HMO
- Dental; Vision; Long-Term Disability and Life
- One point of contact for all lines of coverage – one bill
- The largest provider networks available in CA:
- Anthem Prudent Buyer (large group)
- Delta Dental and Vision Service Plan (VSP)
- Complimentary COBRA administration for all groups
- Fully integrated Health Savings Account (HSA) administration
- Largest offering of HSA plans available in California
- 7% commissions (first and renewal) 2-50 small group
- Low participation for Kaiser stand-along
- A long history of stable premiums – a 9-year average of 3.37%
- No premium with an application (bill 1st month)
CalCPA Health is available to any financial business (generally, more than 50% of ownership must be members of the California Society of CPAs – CalCPA).
- Owners-only firms can be written as a small group
- Owner and W-2 Spouse can be written as a small group
- Rates are based on the employee’s ZIP code (not the firm’s ZIP)
Prospecting is straightforward – network off your existing business clients. Every one of your current business clients has a CPA / financial services firm – tell them about this unique and exclusive health and benefits plan offering.
Learn how to bring CalCPA Health products to your existing clients and win new ones! 866-954-7406 / info@CalCPAHealth.com
Note: Eligibility requirements (in-part): CalCPA Health is available to CalCPA member firms and financial professional firms in public practice or offering general financial services. To obtain or retain eligibility, at least 50% of all the Employer’s owners (i.e. principals, proprietors, partners, shareholders or other owners) must be active members of CalCPA and remain in good standing. CalCPA Health does not offer Medicare plans.
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CalCPA Health Rate Stability Table
| 2024 | 2.50% |
| 2023 | 5.10% |
| 2022 | 7.20% |
| 2021 | 5.00% |
| 2020 | 5.60% |
| 2019 | 3.49% |
| 2018 | 2.50% |
| 2017 | -2.75% |
| 2016 | 2.00% |
| 9-year Average | 3.37% |