Individual California health insurance can be complicated. We're here to help. At California Well Being Insurance Agency, LLC we've specialized in the California health insurance market for over 20 years. We offer California health insurance for small - medium- large business's as we'll as individuals and families.

Because we've been serving the California community for over 20 years we know how to find the right health insurance coverage for you, your family, or your business.

We offer California health insurance quotes from many health insurance carriers. Pacificare of California, Kaiser California, Blue Cross of California, Blue Shield, HealthNet, Universal Care, and others.

We're here for you long after the sale.

We will assist you with, enrollment eligibility, eligibility changes, renewals, membership changes, billing, claims, providers and much more at no cost to you. We can even provide you with 24/7 online access to your companies rates, benefit description, employee census and much more.

Besides individual California healthinsurance, we also provide Vision, and Chiropractichealth insurance coverage. Several options are availablefor you here as well. We also offer Family health insurance plans. individual california healthinsurance is offered by most major health insurance companiesin California.

Instant long term care insurance quotes are also availablefor both individuals and groups. Be sure to ask about the tax advantages of Long TermCare Insurance for the small business community.Show your employees just how valuable they are.

Pleasecall with any questions about individual california healthinsurance, Individual health insurance or Long Term Careinsurance.

We will assist you with, enrollment eligibility, eligibility changes, renewals, membership changes, billing, claims, providers and much more at no cost to you

California health insurance is available for both groups and Families / Individuals. California group health insurance coverage refers to a single policy issued to a group (typically, a business with employees, though there are other kinds of groups that can get coverage) that covers all eligible employees and, sometimes, their dependents. individual california health insurance coverage, on the other hand, is a single policy issued to a single person or family. individual california health insurance applicants are required to go through an underwriting process. More explanation on this later.

The rules are quite different for California group health insurance coverage versus individual california health insurance coverage, in large part because the insurer's risk is calculated differently. With individual california health insurance coverage, the insurer will base its premium rates (or deny coverage) based on the detailed medical history of the person or family. A health / medical exam is often required.

Small employers applying for california health insurance, on the other hand, the insurer determines a premium price based on risk factors balanced over the entire group, using general information on members of the group such as age or gender. Perhaps most importantly, insurers are required by law to offer California health insurance to small groups. In contrast, there is no such guarantee of individual california health insurance coverage.

We explain this guarantee in more detail below in "Is Your Business Eligible for California Group Health Insurance Coverage?"

Is Health Insurance Required in California?

There is no law requiring employers in California to offer employees or their dependents health insurance.

Is Your Business Eligible for Group Health Insurance Coverage?

Under California law AB1672, small employers are guaranteed group health insurance coverage should they choose to purchase it, regardless of the employees' health status. A "small employer" is defined as a business with 2 to 50 full-time employees. Owners are generally counted as employees, so sole proprietorships with one employee fall into this category, as do partnerships without any employees (by definition partnerships have two or more partners).

Please contact us directly or via email to address any specific questions you may have about individual california health insurance for your small business. We're here to help with no hassle pressure free information.