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Health Insurance California For Self Employed Question & Answers

2015 November 30
by Sarah Fields

Linda asks…

Help for purchasing Private Health Insurance?

I am self-employed and need to purchase Health Insurance.

I’ve talked to sales people from Kaiser and some other companies– but they all seem shady and they don’t really seem to know what they’re doing.

Do you guys know of any insurance companies that you’re happy with? Like good customer service– happy with everything? Please let me know the names of the companies and a phone number I can call.

Preferably in California


Sarah Fields answers:

In what way are they “shady”?

It’s best to talk with an agent that works with all of the major companies in your area. The agent knows all of the plans and their cost and can help you find the best plan for your situation and budget. There is no charge using an agent.

James asks…

What is the best site for finding family health insurance?

Sarah Fields answers:

I am self employed and therefore have had to buy my own insurance for many years. Also I have had to move around a lot because of the work that I do. When I lived in California I used for selecting the health insurance and they were very helpful. And when I lived in Arizona I used That was a really helpful site. So I would recommend one of those two…hope this helps!

Best regards


Joseph asks…

Can anyone tell me how would a move to California right now would affect my SSDI benefits?

I’m wanting to move fear the consequences somewhat.

Sarah Fields answers:

SSDI is social security disability if I’m correct.

It’s a federal program so I don’t understand what the problem is. If you are disabled in one state, why should it matter if you move. Perhaps the state has some rules of its own since each state can differ but the right people to ask are California and SSDI. Good luck 2u..

3) Who pays for Social Security Disability Insurance (SSDI)?

Workers, employers, and the self-employed pay Federal Insurance Contributions Act (FICA) taxes that are used to fund SSDI.

4) Is the Social Security Disability Insurance (SSDI) program the same in all states?
Yes. SSDI is a federal program of the Social Security Administration (SSA) and is available to legal residents in all 50 states, US Districts, and US Commonwealths.

5) Who is eligible for the Social Security Disability Insurance (SSDI) program?
The primary wage earner who becomes disabled, according to Social Security’s rules, and has paid FICA taxes for the required length of time is eligible for SSDI. A worker’s dependent, such as the widow or Childhood Disability Beneficiary (CDB) (formerly referred to as a Disabled Adult Child, or DAC), are also eligible. See the SSDI Program Description for eligibility details.

6) What health coverage comes with SSDI?
Medicare (Part A and Part B) comes with SSDI after you have been eligible for Social Security Disability Insurance cash benefits for 24 months.

If your disability is the result of kidney disease requiring regular dialysis or transplant, or of Amyotrophic Lateral Sclerosis (ALS), known as Lou Gehrig’s Disease, you may qualify for Medicare coverage when eligible for Social Security Disability Insurance.

7) How is the Social Security Disability Insurance (SSDI) benefit calculated?
Social Security Disability Insurance monthly benefit amounts are based on your lifetime average earnings. Annual adjustments, called indexing, are made to account for cost-of-living modifications or increases. Your Social Security Disability Insurance benefit amount may be reduced due to Workers’ Compensation payments and/or other public disability benefits payments, such as State Disability Insurance.
8) How long will the Social Security Disability Insurance benefit last?
You will continue to receive a disability benefit as long as you continue to be disabled and meet work and other eligibility requirements. If you are still eligible when you reach full retirement age, disability benefits will automatically be converted to retirement benefits. See the SSDI Program Description for more details.

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