Self employed individuals and families make up a large percentage of the California individual health insurance market.
They generally do not have group health insurance for various reason and need to provide for themselves.
Their concerns and focus when dealing with health insurance is also unique as we'll discuss since they are footing the bill for themselves.
Let's look at options available to self employed California and find the best value available.
Here's the bottom line.
Cost is king for self-employed and for a good reason.
For this reason, high deductible and more catastrophic health insurance has been the norm within this group.
On the individual market currently, the Bronze or Silver plans generally make the most sense unless we're really young (in which case, the premium difference isn't so high).
We can help you compare the different plan options to see where the "sweet spot" between premium and benefits will be.
The big deal for self-employed deals with potential tax credits.
It's easier for self-employed people to qualify for the tax credits since we're looking at the "net" business income.
We can help you with this calculation.
Since the ACA law went into effect, the differences in core benefits between Individual and Group coverage has largely gone away.
The difference is in the networks!
The problem is that the law also made it harder for self-employed (family businesses) to qualify for group coverage.
You now need a non-spouse
on payroll. That can
Each self-employed person's situation is different (leaving group coverage, family dependent coverage, etc) so please run your situation by us and we'll quickly size up the best approach.
This is supposed to 20% of the California labor market NOW!
Find out how Obamacare has helped Gig workers in the State.
Call us at 800-320-6269 with any questions. Our services are free to you as licensed health agents.
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20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable
We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.
We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
Call us...you will be Pleasantly Surprised. 800-320-6269
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit800-320-6269
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