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California Small Business Health
Insurance
There are different California health insurance laws regarding
small businesses or the self-employed. Often these types of
health insurance policies are easier to qualify for than an
individual health insurance policy, even if you are not in the
best of health.
This guide:
• Describes small business health insurance laws in California.
• Briefly explains self-employed California health insurance.
• Alerts you to a beneficial tax deduction.
We also have a guide to California health insurance for families
and individuals.
Research quotes, and apply for coverage at eHealthInsurance. You
can pick what coverage you want and set your limits and
deductibles, before applying for more personalized rate info.
California small business health insurance regulations
According California health insurance laws, small group health
insurance must be sold to any small business. In addition, a
small business with 2 to 50 employees must be offered the same
California small business health insurance policy the insurance
company sells to other small businesses.
There is one requirement California health insurance companies
can impose. Health insurance companies may have minimum
enrollment requirements for California small business health
insurance. If the insurance company implements this rule, a
certain percentage of employees or members must purchase health
insurance or the policy will be rescinded.
Besides regulating who is eligible for California small business
health insurance, California health insurance laws make it
illegal for any health insurance company to charge higher
premiums due to the insured group's health status. However,
premiums can vary due to the group's age, family size and
geographic location.
Finally, California health insurance companies cannot cancel any
California small business health insurance policy because an
employee becomes ill.
Self- employed California health insurance
The approach different states take to the issue of how to treat
health insurance for the self-employed varies. In California,
the self employed are prohibited from purchasing a small group
health insurance policy for yourself if they employ no one else.
A self-employed person with any number of employees is permitted
to buy California small business health insurance.
Being a self-employed individual buying California health
insurance can be quite costly. However, there is relief from
this cost through an itemized tax deduction. A percentage of
your annual California health insurance premiums can be deducted
from taxes if you are self-employed and buying your own health
insurance.
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