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Health Insurance California For Self Employed Question & Answers

2013 October 9
by Sarah Fields

Sharon asks…

I need some advice on 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:

Finding the right health insurance plan isn’t really about picking the best company, it’s about picking the right plan for your particular needs. I’d recommend that you work with a licensed agent that represents multiple insurers in California. You can find one online or in your local area. It doesn’t cost anything extra to work with an agent and it can help you figure out what your best options really are.

If you’re interested, we published a health insurance buyer’s guide for self-employed people and small business owners. It provides basic definitions, shopping tips, and a lot of other details to help you get started. You can download a copy free online here:

Best wishes.

Maria asks…

how easy is it to get health insurance in california if you are unemployed or self-employed?

I think in nj and ny it is guaranteed through places like ehealthinsurance but what about ca? Can they turn you down for pre-existing conditions? Where can I find out more?

Sarah Fields answers:

If you are self-employed no problem, but if you are unemployed most companies will not accept you. It has nothing to do with being able to afford the premium; it is because most umemployed people are looking for a job and many jobs have health benefits.

Yes, you can be turned down depending upon the severity and type of pre-existing condition. You can also be turned down if your height and weight are outside the guidelines or if you have the “wrong” occupation.

Your best bet is to visit a local independent agent that works with all the major companies. The agent can find the best plan for your situation and budget and can explain the plans. There is no extra charge using an agent and you’ll have a local person to call if you have questions or problems in the future.

Susan asks…

What are some good health insurance companies in CA for self employed people?

We mainly are looking at it for medical needs. Dental would be nice, but its not necessary. And vision isn’t necessary at all.

Sarah Fields answers:

We live in California too, and have an Insurance through Costco (must be a member to get theirs), but it is excellent. Also has dental available too. Recently, because of the economy, we had to give up the great coverage we had with them, and apply with Blue Shield for more of a major medical coverage. However it still has prescription coverage as well as an annual physical coverage. So it’s a good policy and will drop our premiums by almost 3/4 a month.

So whether you choose a Costco Plan or decide on a different carrier, I will give yo the name of our agent who is awesome. She really works for you to get you exactly what you want and sells for Costco as well as all the major carriers. Her name is Lisa and you can reach her at 1-800-611-9057 ext #2206. She will do you a fantastic job, that I am sure of.~~

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