What is an employer-sponsored health plan?

An employer-sponsored health plan is a type of health insurance offered to employees in the state of California, usually through their place of work. This type of plan is typically offered by employers as a benefit to their employees and is commonly known as a “group health plan.” The specifics of an employer-sponsored plan vary depending on the plan, but typically cover a range of health services at a lower cost than individual plans. In many instances, the employer also helps to cover the costs, either in full or in part. This makes employer-sponsored plans more attractive to employees than individual plans, as they are often more affordable. Employer-sponsored plans are usually offered in one of two types - fully insured or self-insured. Fully insured plans are those in which the employer purchases a plan from an insurer, such as an HMO or PPO. Self-insured plans are those in which the employer covers the costs of the health services directly. Overall, employer-sponsored plans provide an affordable way for employees to access health care services and are an important part of health insurance law in California. It is important for employees to understand the details of their particular plan, including what it covers and any potential costs associated with it, so that they can make informed decisions about their health care.

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What is an employer-sponsored health plan?

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