You may be eligible for California self employed health insurance with Kaiser Permanente. Often, those who own their own businesses qualify for small group healthcare coverage as well as for individual/family coverage. We recommend that you get both individual/family and self-employed group quotes to compare the cost and coverage benefits for each.

Some Kaiser self employed and individual plan offerings are similar such as the $1000 Deductible Plan and the three HSA (Health Savings Account) Plans. Both group and individual have a $50 Copayment Plan, but beware that prescription drug coverage is only included on the group version of the plan. The popular individual $25 Copayment Plan is most comparable to the group $30 Copayment Plan. The richest California self employed health insurance plans such as the $5 Copayment and the $15 Copayment Plans are only offered as part of a group healthcare plan.

California self employed health insurance plans are issued automatically as long as you are eligible for group coverage. To qualify, you will need at least two people, yourself and one of the following: a business partner, a co-owner, an employee or simply a spouse who files taxes jointly. No health questionnaires are required for California self employed group health insurance coverage.

In short, self employed Kaiser Permanente group plans and individual/family plans differ in coverage benefits and rates. Business owners applying for Kaiser Permanente self employed health in California must qualify as a group. Those applying for individual coverage must answer a medical questionnaire and pass medical underwriting.

If you have further questions or would like a quote over the phone, call us at 1-877-752-4737.