In California, Group health insurance has many protections under State law such as Guaranteed Issue eligibility.
Many people these days, work as 1099 or Contract workers and that has an impact on their health insurance options.
In order to qualify for coverage through an employer-sponsored health plan, there must be an employer-employee or ownership relationship.
1099 contract workers are not employees as they do not show on the DE6 or quarterly payroll report to the State of
Essentially, in the eyes of the State, they are self-employed.
Because of this status, they typically cannot enroll on a Group health insurance plan.
Unless a contact worker is brought on as a full employee and appears on the DE6, he/she should look to get either separate California individual health insurance or his/her own Small Group people if the company is eligible.
You can find more information on Small Group eligibility to see this is an option.
There are pros and cons to both individual health coverage and Small Group in California for the 1099 contract worker.
Ultimately, if a person thinks their ongoing status will likely remain on a 1099 contract status, they really should obtain their own coverage.
Occasionally, 1099 contract workers will be offered employment from the company they are doing business with.
There are, however, some important issues to consider first before canceling your individual coverage.
How likely is the job (and health insurance) to be permanent or long term?
If you are not sure how the job will work out, it might make sense to keep your individual plan for a period of time to see if the company works well for you.
The key take away for 1099 contact workers is that they are NOT covered by California State law AB 1672 which regulates Small Group health insurance.
They must establish their own health insurance plan on an individual or group basis as they are considered self-employed.
This is a major consideration when deciding whether to take employment based on an employer-employee relationship or contract 1099 status.
A 5 minute call to 800-320-6269 will quickly establish your options.
Other important concepts to help you understand your California group health insurance quote are:
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