Self employed health insurance in California

Finding self employed health insurance in California poses a unique set of challenges. It is not impossible to get a self employed medical insurance but at the same time, being very particular, it can’t be done in a blink of the eye. 

One of the options of keeping health insurance California for self-employed is to extend employer-sponsored health benefits through COBRA. The Consolidated Omnibus Budget Reconciliation Act of 1985 allows workers to extend those benefits for up to 18 months after leaving a job. This is where if you choose to become self employed, you can still have the coverage. However, if you choose to do this, the employers won’t be paying their portion of the premium. If you choose to extend this coverage through COBRA, any pre-existing medical condition that was covered under the plan will still be covered.

Apart from COBRA, the option of purchasing self employed health insurance is to buy an individual underwritten policy from private insurance companies. It would be very simple job if your family’s medical history is without any complications. However, if your family has some medical history, you might have to talk to the company. The company might refuse to cover that medical condition or the cost of premium could be on the higher side.

While buying a self employed health insurance in California, lots of loopholes could be found in the policies. These issues could bother you in future. So, it is always better to clearly understand the terms and conditions of the policy that you are looking to buy. Once you are clear what type of cover you want and are sure what amount of premium you can afford to pay, you can go for buying the policy.