Protect yourself — and your people — without enterprise overhead
Group health plans were designed for companies with an HR department. If that's not you, private PPO coverage can protect you, your family, and even your employees — without minimum-participation rules or enterprise pricing.
How many people in your household need health insurance coverage?
Including yourself.
The usual problem
- Group plans with minimum-participation requirements
- Premiums that climb every renewal
- Administrative burden with no HR team
- Personal coverage tangled up with business decisions
The private PPO answer
- No group plan required. Cover yourself and your family directly — no census forms, no participation minimums.
- Predictable costs. Individual private plans price on your household, not on your oldest employee.
- Flexible for your team. Employees can enroll in their own private plans, with an advisor guiding each of them for free.
Health insurance for California small business owners
Somewhere between sole proprietor and fifty employees is a long stretch where traditional group insurance fits badly: too expensive, too rigid, and too much paperwork. Many California owners cover themselves and their families with individual private PPO plans instead — and point employees to the same option.
Because each household gets its own plan, nobody subsidizes anyone else's rate, coverage survives staffing changes, and there's no annual group-renewal shock.
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 — for you personally, your family, or a conversation about options for your team. Free, with zero pressure.
Frequently asked questions
Do I have to offer a group plan to get covered myself?
No. You can hold an individual private PPO plan regardless of what your business offers employees.
Can my employees get coverage this way too?
Yes — each employee can enroll in their own private plan, and an advisor helps each of them at no cost.
Are premiums a business expense?
Owner health premiums are often deductible depending on your business structure. Ask your tax professional.