San Francisco Employer Spending Requirement, Small Business and Health Savings Accounts

Shargel & Co. is proud to be one of the few insurance brokers that represent the Cal CPA society’s medical insurance plans.

The CalCPA ProtectPlus Program offers a tremendous opportunity for CPA firms. You can reduce your premiums significantly and provide your employees with a choice of several excellent HSA compatible plans.

We can assist you redesign your benefits offering to include a choice of high deductible HSA compatible plans, an HMO plan and Kaiser HMO plans. Employees have the widest choice and everyone saves money.

CalCPA ProtectPlus uses the Anthem Blue Cross PPO hospital and physician network and Anthem HMO plans.

CalCPA ProtectPlus Case Study

Here’s a recent example of what the CalCPA plan can accomplish.

One of our CPA clients received a shocking 70% increase for their HSA compatible plan There was no way they could afford that increase. We ruled out moving to a higher deductible plan—that would place too great a burden on staff. Shargel’s market review showed that other insurance carriers had comparable pricing.

But by following our recommendation to enroll in the CalCPA program, we turned the 70% increase into a 7% savings with a manageable increase in the deductible. Our client continues to cover the same percentage of the premium and contributes $125/month into each of their employee’s HSA plans.

They are also able to increase their Kaiser enrollment—the CPA plan doesn’t limit Kaiser participation.