Navigating Your Coverage and California’s Premier Small Business Health Insurance Brokers

small business health insurance brokers california

As a small business owner in California, it’s essential to understand the available options for health insurance coverage and find reputable brokers who can guide you through the process. The right health insurance plan can provide numerous benefits for both your business and your employees, including lower premiums, tax incentives, improved recruitment and retention, increased job satisfaction and productivity, and a positive company culture.

Key Takeaways:

  • Understanding health insurance options is crucial for small business owners in California.
  • Providing health insurance offers advantages such as lower premiums, tax incentives, and improved employee satisfaction.
  • When choosing health insurance plans, consider factors like options, costs, employee eligibility, location, and tax implications.
  • Small businesses with fewer than 50 full-time employees are not required by law to provide health insurance.
  • California offers various health insurance options including Covered California, Medi-Cal, and Health Reimbursement Arrangements (HRAs).

Understanding Health Insurance for Small Business Owners

As a small business owner, navigating the world of health insurance can be an overwhelming task. With numerous options available, it’s crucial to understand the needs and budgets of your employees when selecting coverage. Providing health insurance for your team not only ensures their well-being but also comes with several advantages for your business.

“The well-being of our employees is our top priority. Offering health insurance has been a game-changer in terms of recruiting top talent and fostering a positive work environment.”

– Sarah Johnson, CEO of Johnson Enterprises

One primary advantage of providing health insurance for small business owners is the potential for lower premiums. By enrolling in a group insurance plan, small businesses can often secure more affordable rates compared to individual plans.

Additionally, small business health insurance may offer certain tax incentives. Depending on your location and the specifics of your plan, you may be eligible for tax deductions or credits, helping to reduce your overall tax liability.

Another significant benefit of offering health insurance is improved recruiting and retention. In a competitive job market, comprehensive health benefits can be a crucial factor in attracting and retaining top talent. Employees value the security and peace of mind that comes with knowing their health needs are covered by a quality insurance plan.

Moreover, providing health insurance can lead to increased job satisfaction and productivity. When employees have access to healthcare services, they are more likely to prioritize their own well-being and seek preventive care, reducing the frequency of sick days and improving overall performance.

Lastly, offering health insurance promotes a positive company culture. It demonstrates that you value your employees’ health and care about their overall well-being, fostering loyalty and commitment.

Understanding the advantages of health insurance for small business owners empowers you to make informed decisions that benefit both your team and your bottom line.

Resources:

  • Small Business Administration (SBA) – Offer Employee Benefits
  • Internal Revenue Service (IRS) – ACA Information Center for Applicable Large Employers
Advantages of Health Insurance for Small Business Owners
Lower premiums compared to individual plans
Potential tax incentives
Improved recruiting and retention of top talent
Increased job satisfaction and productivity
Positive company culture

Advantages of Health Insurance for Small Business Owners

Offering health insurance to employees as a small business owner comes with several advantages. These include:

  1. Lower premiums: Compared to individual plans, health insurance for small businesses often comes with lower premium rates. This can help business owners save money while providing essential coverage to their employees.
  2. Tax incentives: Small business owners can benefit from tax deductions for offering health insurance to their employees. These tax incentives can help offset the cost of providing coverage and reduce the overall financial burden.
  3. Improved recruiting efforts: Access to health insurance can make a significant impact on a business’s ability to attract top talent. By offering comprehensive health coverage, small businesses can enhance their recruitment efforts and stand out in a competitive job market.
  4. Better employee retention and loyalty: Providing health insurance demonstrates a commitment to employee well-being, which can foster loyalty and improve retention rates. Employees are more likely to stay with a company that prioritizes their health and offers valuable benefits.
  5. Increased job satisfaction: Health insurance coverage not only protects employees’ physical well-being but also contributes to their overall job satisfaction. Knowing they have access to quality healthcare can alleviate financial stress and create a more positive work environment.
  6. Higher productivity: When employees have access to comprehensive healthcare, they are more likely to seek preventive care and address medical concerns promptly. This can result in improved productivity and reduced absences, benefiting both employees and the business.
  7. Fostering a positive company culture: Offering health insurance can contribute to a positive company culture that values employee welfare. It demonstrates that the business cares about the well-being of its staff and prioritizes their health and happiness.
  8. Pre-tax benefits for employees: Health insurance contributions made by employees through payroll deductions are typically tax-free, reducing their taxable income. This allows employees to save money and increase their take-home pay.

By providing health insurance to employees, small business owners can enjoy these benefits while ensuring their workforce has access to essential healthcare coverage.

Factors to Consider When Choosing Health Insurance Plans

When deciding on health insurance plans for your small business, it’s important to consider several factors that will ultimately impact your employees’ coverage and your company’s financial well-being. By thoroughly evaluating these key factors, you can make an informed decision that meets the needs of both your business and your workforce.

1. Options

Explore the available options in terms of plan categories and network types. Consider the specific needs and preferences of your employees, such as whether they require a specific network of healthcare providers or if they prefer a certain type of plan like an HMO or PPO.

2. Money

Assess the costs associated with the health insurance plans, both for your business and your employees. Compare the premiums, deductibles, and co-pays of different plans to ensure they align with your budgetary constraints while also providing adequate coverage for your employees.

3. Employees

Take into account the eligibility criteria for your employees to ensure they meet the requirements for the chosen health insurance plans. Consider factors such as the number of hours they work, their full-time or part-time status, and any specific eligibility periods or waiting periods that may apply.

4. Location

If you have employees in different states or regions, consider how the selected health insurance plans will cover them. Some insurance providers may have different coverage networks or benefits depending on the location, so it’s essential to ensure your employees will have access to quality healthcare no matter where they are.

5. Taxes

Understand the tax implications for both your business and your employees. Some health insurance plans offer tax advantages or deductions for businesses, while others may allow employees to contribute to their premiums on a pre-tax basis. Consult with a tax professional to fully understand the tax implications associated with different health insurance options.

Choosing the right health insurance plan for your small business requires careful consideration of options, financial factors, employee eligibility, location-based coverage, and tax implications. By evaluating these factors, you can make an informed decision that provides the best coverage for your employees while also aligning with your business’s financial goals.

Are Small Businesses Required to Provide Health Insurance?

Small businesses play a crucial role in the economy, but many owners are unsure about their health insurance obligations. Under the provisions of the Affordable Care Act (ACA), small businesses with fewer than 50 full-time employees are not legally required to provide health insurance coverage for their employees.

However, just because it’s not mandatory doesn’t mean small businesses shouldn’t consider offering health insurance benefits. In fact, providing health insurance can be a valuable tool for attracting and retaining talented employees in a competitive job market. Offering health insurance benefits demonstrates a commitment to employee well-being, which can contribute to increased job satisfaction and loyalty.

“Small businesses have the opportunity to differentiate themselves and attract top talent by offering health insurance benefits. It’s a win-win situation where employees gain access to essential health coverage, and employers can create a positive work environment.” – Michelle Johnson, Health Insurance Expert

If a small business does decide to offer health insurance coverage, it must comply with the essential health benefits requirements outlined in the Affordable Care Act. These essential health benefits include a range of services and treatments that insurance plans must cover, such as preventive care, emergency services, prescription drugs, maternity care, and mental health services.

By providing health insurance coverage that meets the essential health benefits criteria, small businesses can ensure that their employees have access to comprehensive and necessary healthcare services.

While it’s not legally mandated for small businesses to provide health insurance, doing so can bring numerous benefits, both for employees and the business itself. The decision ultimately depends on the unique needs and priorities of each small business.

Small Business Health Insurance Options in California

California offers a range of health insurance options for small businesses, ensuring that employers can provide their employees with comprehensive coverage. These options include both state-sponsored programs and innovative solutions. Let’s take a closer look at three key options:

Covered California

Covered California is the state’s official health insurance marketplace, designed to help individuals and small businesses access affordable coverage. It offers a variety of plans from different insurance carriers, allowing businesses to find the best fit for their employees’ needs and budgets. By using Covered California, small businesses can simplify the process of selecting and administering health insurance.

Medi-Cal

Medi-Cal is a public health insurance program for low-income individuals and families. It provides comprehensive coverage at little to no cost, making it an attractive option for small businesses with employees who may qualify. By offering Medi-Cal as an insurance option, employers can ensure that their workers have access to essential healthcare services, even if they have limited financial resources.

Health Reimbursement Arrangements (HRAs)

Health Reimbursement Arrangements (HRAs) have gained popularity as a flexible solution for small business health insurance in California. HRAs allow employers to provide tax-advantaged reimbursements for qualified medical expenses. This empowers employees to choose the coverage that best suits their individual needs, giving them more control over their healthcare decisions. HRAs offer both affordability and personalization, making them an appealing option for employers and employees alike.

With these diverse options available, small businesses in California have the opportunity to tailor their health insurance offerings to meet the unique needs of their employees. Whether it’s through Covered California, Medi-Cal, or HRAs, employers can ensure that their workforce has access to quality healthcare while also maintaining cost-effectiveness. The abundance of choices reflects California’s commitment to prioritizing the health and well-being of its small business community.

Benefits of Health Reimbursement Arrangements (HRAs) for Small Businesses

Health Reimbursement Arrangements (HRAs) provide small businesses with numerous benefits, including flexibility and personalized coverage. By offering HRAs, employers can empower their employees to have greater control over their healthcare decisions. This approach allows each individual to choose the coverage that best meets their unique needs, resulting in a better match between plan benefits and healthcare requirements.

One of the key advantages of HRAs is the flexibility they offer. With HRAs, small businesses can customize their healthcare plans to suit the specific needs of their employees. Employers can set the contribution amount, type of eligible expenses, and coverage levels, tailoring the benefits to accommodate different preferences and requirements.

Personalized coverage is another significant benefit of HRAs for small businesses. Employees can use their HRA funds to select a plan that aligns with their healthcare needs, whether it’s a high-deductible plan, a comprehensive health plan, or a plan that provides coverage for specific medical services. This flexibility allows employees to optimize their healthcare coverage and enhances their satisfaction with the provided benefits.

Moreover, HRAs can lead to cost savings for both employers and employees. By allowing employees to choose their own plans, employers can avoid the administrative burdens and potential waste associated with providing a one-size-fits-all group health insurance plan. Additionally, employers can take advantage of tax advantages offered by HRAs, which can further reduce healthcare costs. For employees, the ability to select a plan that suits their needs can result in lower out-of-pocket expenses and a more efficient use of healthcare benefits.

“HRAs offer small businesses the opportunity to provide flexible and personalized healthcare coverage, creating a win-win situation for both employers and employees.”

In summary, HRAs are a valuable asset for small businesses seeking to offer employee benefits that prioritize flexibility, personalized coverage, and cost-effectiveness. By implementing HRAs, employers can provide a level of choice and control that leads to increased job satisfaction, improved retention rates, and a positive work environment. The versatility and cost-saving potential make HRAs an appealing solution for small and large businesses alike.

Best Business Health Insurance Options in California

When it comes to finding the best business health insurance in California, one option stands out: Health Reimbursement Arrangements (HRAs). HRAs offer unparalleled flexibility and personalized coverage, making them an ideal choice for entrepreneurs and small business owners.

With HRAs, employees have the freedom to select insurance plans that align with their specific healthcare needs. This level of customization ensures that your workforce can access the necessary coverage without unnecessary expenses or limitations.

Moreover, HRAs provide cost-control benefits for employers. By setting a budget for health reimbursement, you can maintain control over healthcare costs while still offering valuable benefits to your employees.

Maximizing value is key when it comes to health benefits, and HRAs offer just that. They revolutionize the concept of health insurance by empowering employees to choose the insurance plans that suit them best, resulting in a workforce that feels supported and valued.

Take advantage of the flexibility and affordability offered by HRAs to secure the best business health insurance options in California for your small business.

Benefits of Health Reimbursement Arrangements (HRAs)

Benefits for Employers Benefits for Employees
Cost-control benefits Flexibility to choose insurance plans
Customizable coverage options Personalized healthcare solutions
Tax advantages Access to affordable healthcare
Enhanced employee value proposition Empowerment and satisfaction

Affordable Health Insurance Options in California

When it comes to finding affordable health insurance in California, there are several options that cater to different budgets and needs. Understanding these options can help individuals and businesses make informed decisions about their healthcare coverage. Let’s explore some of the affordable health insurance options available in California.

Covered California

Covered California is the state’s official health insurance marketplace. It offers a variety of affordable health insurance plans that comply with the Affordable Care Act’s essential health benefits requirements. Through Covered California, individuals and small businesses can compare plans, find subsidies, and enroll in coverage that suits their specific needs and budget.

Anthem

Anthem is another provider that offers affordable health insurance options in California. With a wide range of plans, individuals and families can find coverage that caters to their healthcare needs while staying within their budget. Anthem’s network of healthcare professionals and facilities provides access to quality care at affordable rates.

L.A. Care Health Plan

Residents of Los Angeles County can benefit from the L.A. Care Health Plan, which offers cost-effective health insurance options. L.A. Care is committed to providing affordable coverage to underserved communities, ensuring access to a network of healthcare providers and essential medical services.

Employers looking for affordable health insurance options for their employees can also explore the benefits of Health Reimbursement Arrangements (HRAs). HRAs allow employers to provide tax-advantaged reimbursements for qualified medical expenses, giving employees more control over their healthcare coverage and reducing overall costs.

By considering options like Covered California, Anthem, L.A. Care Health Plan, and HRAs, individuals and businesses in California can find affordable health insurance solutions that prioritize both financial well-being and quality care.

Other Health Insurance Options in California

In addition to Health Reimbursement Arrangements (HRAs) and traditional group health insurance plans, California offers other health insurance options through Covered California and Medi-Cal. These options cater to individuals who may not have access to employer-sponsored coverage or who prefer individual plans. Exploring these alternatives allows individuals and businesses to find the best health insurance coverage in California based on their specific needs.

Individual Plans through Covered California

Covered California is the state’s official health insurance marketplace, designed to help individuals and families find affordable health coverage. It offers a range of plans from different insurance companies, allowing individuals to compare options and select the most suitable coverage. Individual plans through Covered California provide essential health benefits and may come with subsidies that reduce monthly premiums and out-of-pocket costs for eligible individuals.

Medi-Cal for Eligible Residents

Medi-Cal is California’s Medicaid program and provides free or low-cost health coverage to eligible individuals and families. It is a state and federally funded program that offers comprehensive health benefits, including preventive care, hospital visits, maternity care, prescription drugs, and more. Eligibility for Medi-Cal is based on income and other criteria set by the state.

By considering a wide range of health insurance options in California, individuals and businesses can make informed decisions about their coverage and choose the best option to meet their unique needs.

Health Insurance Options in California

Insurance Option Description
Health Reimbursement Arrangements (HRAs) Flexible and personalized coverage for small businesses, allowing employees to choose their own plans.
Traditional Group Health Insurance Plans Employer-sponsored plans that provide coverage to employees and their dependents.
Individual Plans through Covered California Health insurance options for individuals and families available through the state’s official marketplace.
Medi-Cal Free or low-cost health coverage for eligible individuals and families based on income and other criteria.

Exploring these diverse health insurance options in California ensures that individuals and businesses can find adequate coverage that fits their needs, budget, and circumstances. Whether they opt for HRAs, traditional group plans, individual plans through Covered California, or Medi-Cal, the goal is to secure reliable and comprehensive coverage for a healthier future.

The Role of Health Insurance Brokers in California

Health insurance brokers in California fulfill a crucial function by assisting individuals and businesses in navigating the complexities of health insurance. These licensed professionals provide a range of valuable services to their clients.

One of the key benefits of using health insurance brokers is the access they provide to multiple choices. Brokers work with various insurance companies, enabling them to offer clients a wide selection of plans tailored to their specific needs and budget.

With their in-depth knowledge and expertise, health insurance brokers act as personal agents for their clients. They understand the complexities of the insurance market and can guide individuals and businesses through the process of selecting the most suitable plans. Whether it’s explaining benefits, comparing coverage options, or submitting applications, brokers serve as trusted advisors every step of the way.

“Health insurance brokers simplify the process of finding suitable coverage by presenting clients with a customized selection of plans from different insurance providers, ensuring they have the information needed to make informed decisions.”

Additionally, health insurance brokers serve as advocates for their clients. They prioritize the best interests of individuals and businesses, working on their behalf to resolve issues with insurance carriers. Whether it’s addressing claim disputes, resolving billing concerns, or clarifying policy details, brokers are dedicated to ensuring their clients receive fair and accurate treatment.

By engaging the services of health insurance brokers, individuals and businesses in California can navigate the complex health insurance landscape with confidence. Brokers offer expert guidance, personalized assistance, and unmatched advocacy to help clients secure the coverage they need.

If you’re ready to explore the benefits of using a health insurance broker, reach out to one of the licensed professionals in our list below:

List of Licensed Health Insurance Brokers in California:

  1. Healthy Choice Insurance Services
  2. Golden State Insurance Solutions
  3. Preferred Insurance Services
  4. California Health Insurance Services

Remember, health insurance brokers are here to guide you through the complex world of health insurance, offering expertise, choice, and advocacy to ensure you find the coverage that best meets your needs and budget.

Reasons to Use a Health Insurance Broker in California

When navigating the complex world of health insurance, utilizing the services of a licensed professional can provide numerous benefits. Here are five compelling reasons to use a health insurance broker in California:

  1. Wide range of choices: Health insurance brokers offer access to a comprehensive selection of plans from multiple insurance companies. This enables individuals and businesses to compare different coverage options and find the plan that best suits their needs and budget.
  2. Expert guidance: Brokers are knowledgeable professionals who have a deep understanding of the intricacies of health insurance. They possess the expertise to explain complex terms and concepts, helping clients make informed decisions about their health coverage.
  3. Personalized service: Health insurance brokers act as personal agents, providing personalized service tailored to the unique needs of their clients. They take the time to understand individual circumstances, ensuring that the recommended health insurance plans align with specific requirements.
  4. Advocacy: Brokers serve as advocates for their clients throughout the health insurance process. They work on behalf of their clients to resolve issues, navigate claim disputes, and ensure that they receive the coverage and benefits they are entitled to.
  5. Streamlined selection process: With their industry expertise, brokers simplify the selection process by narrowing down the options based on individual needs and preferences. They provide guidance, answer questions, and assist with the application process, saving clients valuable time and effort.

By utilizing the services of a health insurance broker in California, individuals and businesses gain access to a wide range of choices, benefit from the expertise and advocacy of licensed professionals, and receive personalized guidance throughout the selection process.

Reasons to Use a Health Insurance Broker in California
Wide range of choices
Expert guidance
Personalized service
Advocacy
Streamlined selection process

health insurance broker in California

Comparing Health Insurance Options in California

When it comes to health insurance options in California, it’s crucial to compare and evaluate different factors, such as price, coverage, and networks. By considering these key elements, individuals and businesses can make informed decisions about their healthcare coverage.

One essential resource for exploring health insurance plans in California is Covered California, the state’s official health insurance marketplace. Covered California offers a variety of plans that cater to different needs and budgets. It allows individuals and small businesses to compare numerous options and select the most suitable coverage for themselves and their employees.

Another beneficial health insurance option in California is Health Reimbursement Arrangements (HRAs). HRAs offer a flexible and cost-effective approach to healthcare coverage, empowering both employers and employees with more control over their benefits. Employers can provide tax-advantaged reimbursements for qualified medical expenses, while employees can choose the insurance plans that best meet their individual needs.

By comparing health insurance options in California, individuals and businesses can find affordable coverage that aligns with their unique requirements. It’s essential to assess factors such as pricing, extent of coverage, and availability of preferred healthcare providers. Taking the time to compare and contrast different options ensures that everyone can secure the ideal health insurance solution in California.

Key Considerations when Comparing Health Insurance Options:

  1. Price: Evaluate premium costs, deductibles, copayments, and out-of-pocket maximums to understand the financial investment of each plan.
  2. Coverage: Assess the range of services covered, including preventive care, prescription medications, specialist visits, and hospital stays.
  3. Networks: Ensure that preferred healthcare providers, hospitals, and specialists are included in the plan’s network to maximize accessibility and minimize out-of-network costs.
  4. Additional Benefits: Explore supplementary benefits like dental and vision coverage, mental health services, and wellness programs that enhance overall well-being.
  5. Flexibility: Consider the level of flexibility each plan provides, such as the ability to choose healthcare providers, access telehealth services, or seek care outside California.
  6. Prescription Drug Coverage: Evaluate the formulary of prescription drugs covered by each plan, including copayments and coverage tiers.

By carefully weighing these factors, individuals and businesses can determine the health insurance option that offers the most comprehensive coverage, flexibility, and affordability in California.

Example of a Health Insurance Comparison Table:

Insurance Provider Plan Name Monthly Premium Deductible Network Coverage Type
Provider 1 Gold Plan $350 $1,000 PPO Comprehensive
Provider 2 Silver Plan $250 $2,500 HMO Basic
Provider 3 Bronze Plan $200 $5,000 EPO Catastrophic

Remember, the right health insurance option for you or your business depends on your specific needs and budget. Comparing various factors, such as price, coverage, and networks, allows you to make an informed decision and select the best health insurance solution in California.

Conclusion

When it comes to health insurance coverage for small businesses in California, navigating the options can be overwhelming. However, by having a clear understanding of the available choices and considering important factors, entrepreneurs can find the right coverage to meet the needs of their employees and their business.

One valuable resource for small business owners in California is the assistance of reputable health insurance brokers. These brokers specialize in helping businesses find customized and cost-effective coverage solutions. By leveraging their expertise, small business owners can save time, money, and effort while ensuring that their employees have access to the necessary health insurance benefits.

With the guidance of a trusted health insurance broker, small businesses can explore the various options available in California, such as Covered California, Anthem, and L.A. Care Health Plan. Additionally, Health Reimbursement Arrangements (HRAs) have emerged as a flexible and affordable solution for small business health insurance in the state.

In conclusion, small business owners in California should prioritize health insurance coverage for their employees. By understanding the available choices, considering crucial factors, and partnering with reputable health insurance brokers, entrepreneurs can provide their employees with comprehensive coverage, help attract and retain top talent, and contribute to a healthy and thriving workforce.

FAQ

What are the advantages of offering health insurance to employees as a small business owner?

Offering health insurance to employees has several advantages, including lower premiums, tax incentives, improved recruiting and retention, increased job satisfaction and productivity, and a positive company culture.

What factors should small business owners consider when choosing health insurance plans?

Small business owners should consider options (such as different plan categories and network types), costs for both the business and employees, employees’ eligibility criteria, location (especially if there are employees in different states), and tax implications for the business and employees.

Are small businesses required by law to provide health insurance coverage?

Small businesses with fewer than 50 full-time employees are not legally required to provide health insurance coverage. However, many small businesses choose to offer health insurance benefits to attract and retain employees.

What are the health insurance options for small businesses in California?

California offers several health insurance options for small businesses, including state-sponsored programs like Covered California and Medi-Cal, as well as Health Reimbursement Arrangements (HRAs) which allow employers to provide tax-advantaged reimbursements for qualified medical expenses.

What are the benefits of Health Reimbursement Arrangements (HRAs) for small businesses?

HRAs offer flexibility and personalized coverage for small businesses. By offering an HRA, employers can empower employees to choose the coverage that best meets their individual needs. HRAs also provide tax advantages and can be a valuable benefit for both small and large businesses.

What are some of the best business health insurance options in California?

Some of the best business health insurance options in California include Covered California, Anthem, and the L.A. Care Health Plan. Health Reimbursement Arrangements (HRAs) are also considered a standout option for affordable health insurance.

Are there affordable health insurance options in California?

Yes, there are affordable health insurance options in California, such as plans offered through Covered California, Anthem, and the L.A. Care Health Plan. Health Reimbursement Arrangements (HRAs) also provide affordable and flexible coverage.

What are the other health insurance options available in California?

In addition to Health Reimbursement Arrangements (HRAs) and traditional group health insurance plans, there are other options such as individual plans through Covered California or eligibility for Medi-Cal for California residents.

What is the role of health insurance brokers in California?

Health insurance brokers in California play a vital role in helping individuals and businesses navigate the complexities of health insurance. They provide multiple choices, are licensed by the state, act as personal agents, and advocate for their clients.

Why should I use a health insurance broker in California?

There are several compelling reasons to use a health insurance broker in California. Brokers offer a range of choices from multiple insurance companies, are licensed and knowledgeable professionals, act as personal agents, advocate for their clients, and provide expert guidance in selecting the most suitable health insurance plans.

What should I consider when comparing health insurance options in California?

When comparing health insurance options in California, it’s important to consider factors such as price, coverage, and networks. Covered California provides a variety of plans, and Health Reimbursement Arrangements (HRAs) offer a flexible and cost-effective approach.

How can small business owners secure customized, cost-effective coverage solutions for their enterprises?

Small business owners can secure customized, cost-effective coverage solutions for their enterprises by understanding the available options, considering important factors, and seeking guidance from reputable health insurance brokers in California.

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