ALL >> Insurance >> View Article
Health Insurance In Ca For The Self-employed

Is health insurance a boon or a bane? It is a question on which people can argue till the cows come home and still not be any wiser.
At one end of the spectrum are the people, whose lives have been saved by different types of medical insurances, including California Individual Health Insurance, which made personally unaffordable medical treatment available to them. At the other end of the spectrum are people who have paid through their nose for medical coverage but were refused it because the insurance company decreed it that their condition was a ‘pre-existing' one. Hanging in the middle are the myriad uninsured people who have no health insurance in CA or anywhere else.
The uninsured people, from the state of California, are likely to be in need of California Individual Health Insurance. Those who need individual health insurance in CA are mainly those who are not covered under any group insurance because they are either not working, or are self-employed. Insurance providers are often apprehensive of providing California Individual Health Insurance to self-employed people, as the companies are doubtful ...
... about their credit worthiness and ability to pay the premium on time.
Health insurance in CA may become available to a self-employed if his or her spouse is covered under a group health insurance plan provided by the spouse's employer. Many group health insurance in CA automatically cover the spouse also. Sometimes an individual may leave an employer and start self-employment on his own. In that case he has the right to extend up to 18 months, the employer-sponsored group health insurance in CA under which he was covered. This will give him time to make alternate arrangement for his California Individual Health Insurance. However, during this time he has to pay the premium of the insurance himself.
After the 18-month period when he will lose the benefit of keeping the group health insurance in CA, he can buy a California Individual Health Insurance from any one of the myriad insurance companies that offer California Individual Health Insurance. A little searching around and comparing quotes will be necessary to select the right one, but it should not be difficult considering the number of sites that offer a whole range of covers available for the area where you are stationed. The snag in shifting out of the employer-sponsored health insurance in CA to a private California Individual Health Insurance is that the latter is unlikely to cover any pre-existing condition. As long as the person is within the protective arms of the former, he gets coverage for his pre-existing medical problems also.
Besides the self-employed, those who seek California Individual Health Insurance are those who find their employer-sponsored group coverage insufficient, or those who need additional health insurance in CA for their family members.
If you are self-employed and a resident of California and are interested in Health Insurance in CA or as an individual, if you are interested in California Individual Health Insurance, please do visit the site or call now
Add Comment
Insurance Articles
1. Top 5 Most Famous Bassoon Players Of All TimeAuthor: musicinstrumentsins
2. The Top 10 Most Luxurious Pianos In The World
Author: victor12johnson
3. Understanding Reinstatement Insurance And Its Critical Role In Property Protection
Author: SourceThrive
4. Playing With Purpose - Young Oboist’s Guide To Skill & Safekeeping
Author: musicinstrumentsins
5. The Acoustic Weapon: How The Cello Dominates Contemporary Music
Author: micheljordan4
6. Mitigating Professional Liability - A Forensic Lens On Insurance For Appraisers
Author: victor12johnson
7. Noaa’s Hurricane Call For 2025 Released
Author: D Edward Levy
8. Inside The World Of Global Family Offices: Where Legacy Meets Smart Wealth Management
Author: Drishti Desai
9. The Backbone Of Studio Sound - Why Audio Interfaces Deserve Your Attention
Author: micheljordan4
10. Claims-made Insurance: 5 Key Pitfalls Exposed | Impaakt
Author: Impaakt Magazine
11. Soundscapes Of The Future - The Rise Of Horn Instruments In Modern Music
Author: musicinstrumentsins
12. Breathing New Life Into Woodwinds - Trends, Tech & Training
Author: victor12johnson
13. Icici Life Insurance: Secure Your Family's Future With Confidence
Author: E-Insure First
14. Star Health Insurance: Complete Guide To India’s Trusted Health Coverage
Author: E-Insure First
15. The Modern Saxophonist’s Journey: Protecting Sound, Style, And Soul
Author: micheljordan4