California Self-Employed Health Insurance

Did you know that self-employed persons and their families make up a large portion of California's individual health insurance market? This group doesn't get group health insurance for numerous reasons, which means they have to provide other avenues.

If this sounds like you, you’d be happy to know that California offers self-employed health insurance.

Being self-employed means that you have to take costs into account when getting health insurance. And unlike most things, health benefits rarely balance out the costs when you scale up.

This is why high deductibles and catastrophic health insurance plans have become the go-to for self-employed individuals.

Who gets self-employed health insurance?

You can get access to California self-employed health insurance via the federal marketplace. All you need to do is fill out the Covered California application. The California exchange is backed by the federal government, and any business with a maximum of 50 workers becomes eligible for this type of insurance.

You could also fill out the quote information. At Very Good Coverage, we help to cut out the noise and give you the essential information you need to make an informed decision,

Unlike other forms of health insurance, self-employed health insurance doesn’t require you to wait for Open Enrollment periods. You can wave goodbye to being stuck with paying premiums for a plan that doesn't suit you. If you aren’t a business owner, you can still get self-employed health insurance.  You just have to make sure your reported generated income is from a business with no other employees.

You can seamlessly quote the available self-employed health insurance plans here(INSERT_LINK). At Very Good Coverage, we help you compare the various policy options to help you identify the perfect balance of benefits and premiums.

Benefits of self-employed health insurance in California

  • Being self-employed also means that you can be eligible for a group plan. And being part of a group plan means that you can pay for insurance coverage using pre-tax dollars. This has the benefit of significantly reducing your contribution amount once the year ends
  • Individuals that get self-employed insurance for themselves and their families are eligible for tax deductibility. This means they are able to deduct 100% of their premium.
  • If you are a small business owner, you might be eligible for tax credit, which can help reduce the cost of your employees’ premiums.

Types Of Small Business Group Insurance Plans

  • PPO Preferred Provider Organization
  • HMO Health Maintenance Organization
  • POS Point of Service
  • HSA Health Savings Account
  • HRA Health Reimbursement Arrangement

Leading Companies Offering Self-Employed health insurance in California

  • Anthem Blue Cross of California
  • Aetna
  • Blue Shield of California
  • Kaiser
  • Health Net of California

Remember, Very Good Coverage can help you whittle down the noise and confusion, pairing you with a self-employed insurance plan that suits your lifestyle and your wallet. All it takes is a quote, what do you have to lose?!


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