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California health insurance  -  California individual health plans  -  Self Employed health insurance

California health insurance for self-employed

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.

A self employed person must weigh cost associated with going up the scale in health benefits and rarely does pencil out.

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).

You can quickly quote the self-employed individual/family plans here or call 800-320-6269 for free assistance.

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.

Individual versus Group health insurance

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 individual/family plan networks are roughly 2/3rds the size of group health plans.

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 be tough.
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.

Health Insurance for Gig Workers in California

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.

Access the California Self-employed Health quote online

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About Calhealth.net

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

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This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.