Covered California for Small Business (CCSB) is the Exchange marketplace that serves:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Covered California for Small Business (CCSB) is California's Small Business Health Options Program (SHOP) exchange, available to employers with up to 50 eligible employees. Through CCSB, small employers can offer their workers Qualified Health Plans and may be able to access federal premium tax credits for coverage purchased through the Exchange. The 50-employee ceiling defines CCSB's market, distinguishing it from the individual Covered California marketplace and from large group markets. Option A correctly identifies who CCSB serves. Employers that qualify for CCSB can offer their employees a choice of QHPs and may capture small business tax credits available through the Exchange.
Why the other options are wrong
- B) Employers with 101 or more employees are classified as large groups and are outside the SHOP/CCSB small business exchange market. Large groups purchase outside the SHOP exchange and are beyond CCSB's 50-employee limit.
- C) CCSB is specifically the employer-side marketplace; individual consumers purchase coverage through the individual Covered California marketplace instead. Individuals use the separate Covered California individual marketplace rather than the employer side.
- D) Medicare Part D drug plans are bought through private insurers, not through the state's ACA exchange, so CCSB has nothing to do with Part D. Part D plans are selected directly from private insurers by Medicare beneficiaries.
Memory hook
CCSB = the small-business shelf of Covered California, up to 50 employees — the big shops need not apply.