California Self Employed Health Insurance
Looking for self-employed health insurance in California? Educate yourself on the health insurance rules and regulations in the state of California before you get your health insurance policy.
Self employed residents of California are luckier compared to their counterparts in other states in America—they have a number of options when it comes to health insurance for the California self employed. These options, though, are dependent on the age and health of the person to be insured and other factors unique to a particular situation. It is thus up to you to assess your situation prior to finalizing your best choice of health insurance for California self employed.
Right now in California if you are an individual who has a pre-existing medical condition and you are middle income the plans available for so called high risk people are beyond the financial reach of many people. If you are high income and have pre existing conditions you will be able to find a plan that you can afford. For the insurance industry to deny Californians who are sick access to health insurance is a sin. Other states have provided coverage for 20 years and their insurance companies are doing well.
Your first option is to apply for an individual health insurance policy, a cheap option, since the rates for individual health insurance in California are certainly competitive. For this, you must be in the pink of health because following California law, your application may be declined by a health insurance provider if your medical history is not favorable, and if you have pre-existing medical conditions. There are also other criteria like weight, height, and health related restrictions.
Your second option is to apply for a group health insurance plan. California law allows a small group health insurance even if you are only two in your small group. Factors that make you ineligible for an individual health insurance does not automatically make you ineligible for a small group health insurance. This type of insurance is however expensive.
Your third option is to apply as a sole proprietor for a health insurance California self employed person. As sole proprietors of a business, you are eligible to apply for a guaranteed issue small group health plan, which has an enrollment period open only in the month of August.
A licensed independent California health insurance agent can advise you in selecting your health insurance California self employed plan.
Visit HealthInsuranceFinders.com to obtain California Self Employed Health Insurance quotes online. Health Insurance Finders will also provide you with all of the resources you need to get quality Group Health Insurance coverage for your small business.
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ABOUT THE AUTHOR
Sandra Cohen is a health insurance consultant who worked as a consumer advocate for a full service Florida health insurance agency in Miami.