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California is one of the toughest and most expensive markets for employee benefits. Employers are dealing with higher-than-average costs, strict regulations, and a workforce that won’t hesitate to leave for better coverage. As their broker, they’re counting on you to help balance competitive benefits with smarter cost control.
This guide breaks down what makes California different, highlights proven strategies to manage costs, and gives you clear, practical steps to help employers reduce spend while keeping the benefits their people value most.
California premiums have more than doubled the pace of inflation. Since 2008, average family premiums rose 95%—$975 more per month
New law, big change: Senate Bill 729 (2024) requires large group health plans to cover infertility treatments—giving 9 million Californians access to expanded coverage.
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