Group Health Insurance & Employee Benefits in California
SDIA Insurance designs employee benefits programs that California employers can actually afford — and employees actually value. Small groups, large groups, ICHRA, level-funded, and fully insured. One agency, every carrier, every plan design.
What's actually going wrong with your group health & employee benefits.
Renewal increases keep eating into your budget
We re-shop your group plan every renewal across every California carrier — and often restructure plan design or move to level-funded to stop the bleeding.
You want to offer benefits but don't know where to start
Whether you have 2 employees or 200, we walk you through plan design, contribution strategy, eligibility, and rollout.
You're growing past small group limits
Moving from small group to large group changes the entire underwriting equation. We model both and pick the structure that wins.
Your team wants more than just medical
Dental, vision, life, disability, EAP, FSA, HSA, retirement — we bundle complete employee benefits packages.
Get clarity on your group health & employee benefits options.
Independent California agency, 18+ years experience, every major carrier compared in one call.
The SDIA approach.
We help California employers of every size build employee benefits programs: small group (1–100), large group (101+), ICHRA, level-funded, and ancillary lines (dental, vision, group life, group disability, voluntary benefits). We act as your outsourced benefits team — from quoting through open enrollment, new hire onboarding, COBRA, and claims advocacy.
Every California group carrier
Anthem, Blue Shield, Kaiser, Health Net, UnitedHealthcare, Cigna, Aetna, and more.
Plan design that fits your budget
HMO, PPO, HDHP+HSA, level-funded, ICHRA — we model the math before you commit.
Complete benefits package
Medical, dental, vision, group life, group disability, EAP, voluntary benefits.
Full-service administration support
Open enrollment, new hires, terminations, COBRA notices, employee education.
California employer benefits regulations are unique — AB1672, ACA employer mandate, San Francisco HCSO, and state continuation rules all interact. SDIA Insurance keeps California employers compliant and competitive, statewide.
Frequently Asked Questions
Don't see your question? Call directly — we answer real questions, not menus.
Often paired with Group Health & Employee Benefits
Get your free group health & employee benefits consultation. Serving all of California.
One short conversation. Real options, real numbers. No pressure, no spam, no cost.