Employer Benefits

Your employees are your most valuable asset. Make sure they are protected.

Learn More Request A Quote

Highly Qualified Group Benefits Professionals

Hedges Insurance Services, LLC is a leader in the Small and Large group insurance benefits field. With over 25 years of experience, we specialize in making your employee health benefits package affordable. We offer a number of carriers and are well versed in the changing laws and rules in regards to Employer Sponsored Benefits.

Rules that take effect in accordance with
the ACA (Affordable Care Act):

  • Starting on January 1, 2015, employers with 100 or more full-time (or full-time equivalent) employees that do not offer health insurance to their full-time employees (and dependents), or that offer coverage that is not affordable or that does not provide minimum value, may be required to pay an assessment if at least one of their full-time employees receives a premium tax credit to purchase coverage in the new individual Marketplace.
  • Employers with at least 50 but fewer than 100 full-time or full-time equivalent employees will generally have an additional year, until 2016, before these rules apply.
  • Businesses with fewer than 50 employees are generally not affected by the Employer Shared Responsibility rules
  • If You are an employer with more than 50 Employees the following penalty will apply if Medical Benefits are not offered. A fee of $2,000 per full-time employee, excluding the first 30 employees, on employers with more than 50 employees that do not offer coverage and have at least one full-time employee who receives a premium tax credit. Employers with more than 50 employees that offer coverage but have at least one full-time employee receiving a premium tax credit, will pay the lesser of $3,000 for each employee receiving a premium credit or $2,000 for each full-time employee, excluding the first 30 employees.

    • Applicable large employers (50 or more full-time equivalents) must report to the IRS information about the health care coverage, if any, they offered to full-time employees. The IRS will use this information to administer the employer shared responsibility provisions and the premium tax credit.

Testimonials

“We love working with the guys at Hedges Insurance. They don’t just sell insurance – service is what they sell. If you have questions, need to make a change in your coverage or anything related to your policy they are happy to help.” 
– Dennis Swanson, Studio 101 West
“Very knowledgeable and professional. Not pushy. Straight forward and honest.” 
– Rich P.  
“Excellent personal customer care service. They go beyond the usual insurance broker to make sure you have the best policies for your family and business. We have been clients for 3 years and Mike and his team has saved us money over the time we have been clients. They contacted us to inform us of a better Medicare supplement policy being offered this year at a lower rate. Always looking out for their clients.”  
– Christine M.  
“We have been using Hedges insurance for many years, and found them to be very professional and helpful. With all the changes in the insurance industry these past years, the team at Hedges Insurance has been ahead of the curve.” 
– Allen L. 
“Mike and Aaron are a great part of our team that helps us be successful.  I have sent and will continue to send friends and fellow business owners their direction.  Thanks guys for doing an impeccable job for me – your good work and integrity are qualities I wish all our vendors had!” 
– Rob Kitzman, Kitzman’s Culligan Water 
I know I can call Mike and his team with any kind of question and I’ll get prompt courteous service – no matter how dumb the question may be!” 
– Molly Johnson, Mid-Coast Fire Protection, Inc. 
“Great personal service!” 
– Donn C. 
“We really appreciate the personal attention paid to our employees and their families. The folks at Hedges Insurance Services always work quickly and diligently to handle our Health Care needs.” 
– Sadie Cook, Filiponi & Thompson Drilling, Inc. 
“The guys at Hedges always set our minds at ease when we have a question regarding our health insurance. They know their stuff. They are always patient and gracious with us and help us to understand what is going on. They are willing to make calls for us and they are quick to get back with us if we leave messages. They have helped us through the tangled maze of Covered California plans, and now through our experience with the Medicare world. They are a real blessing!” 
– Pamela B. 

Hedges Insurance Services specializes in Medical, Dental, Life and Vision benefits for your business. We work with many carriers including:

Start Covering Your Workers Today

Rates are dependent on the amount of people you choose to cover under our group plans.
Contact one of our Atascadero, CA based agents to discuss pricing.

Talk to An Agent

Or call our Atascadero, CA office for immediate assistance
805.466.9048