Health coverage that works as independently as you do
You built a business without a benefits department. Private PPO coverage lets you build health insurance the same way — on your terms, any month of the year, with a licensed California advisor handling the details for free.
How many people in your household need health insurance coverage?
Including yourself.
The usual problem
- No employer group plan to fall back on
- Marketplace subsidies vanish as your income grows
- Income that changes month to month
- Open enrollment windows that never line up with your life
The private PPO answer
- Year-round enrollment. Start coverage when you need it — no waiting for November.
- Premiums that fit your books. Pick the deductible and premium balance that matches your cash flow.
- A possible tax deduction. Self-employed Californians can often deduct premiums — ask your tax professional about the self-employed health insurance deduction.
Health insurance for the self-employed in California
When you're your own boss, health insurance is one more thing you have to source yourself — and the Marketplace isn't the only aisle in the store. Private PPO plans are sold directly through licensed advisors, enroll year-round, and are priced on your household rather than on a subsidy formula that punishes a good year.
For many healthy self-employed Californians, a private PPO ends up costing less than an unsubsidized Marketplace plan while offering a broader choice of doctors — and it stays with you whether next year brings more clients or fewer.
What happens when you reach out
Answer three quick questions and a licensed California advisor gives you a call. From there they handle whatever you need — walking through plan options, checking that your doctors are in network, and taking care of enrollment. All of it free, with zero pressure to commit.
Frequently asked questions
Can I get health insurance without a traditional job?
Yes. Private PPO plans don't require an employer. You apply directly, and coverage is based on your household — not your employment status.
Are my premiums tax-deductible?
Often, yes. Self-employed individuals can generally deduct health insurance premiums for themselves and their families. Confirm the specifics with your tax professional.
What if my income changes?
Private plan premiums aren't tied to an income-based subsidy, so a strong year won't spike your cost the way it can on the Marketplace.