The state of California guarantees issuance of health insurance to any business of two or more owners/employees that qualifies according to the standards of the various insurance carriers within the state. What this means is that anyone with pre-exisitng medical conditions can obtain health insurance if they are an owner or employee of a legitimate business entity containing two or more persons.
A business can operate as a corporation, LLC, partnership, or sole proprietorship and obtain health coverage as long as at least two people are listed as officers or employees of the company. One insurance company will accept a legitimate business license as proof of eligibility, and a good health broker can consult with small businesses on whether they will qualify.
What this means is that those on expensive COBRA or HIPAA plans due to medical conditions may have an alternative to secure lower priced health insurance if they own a business. A business cannot be established for the sole purpose of procuring health insurance, however a legitimate business entity may be able to re-structure in order to qualify for group benefit programs.
I have consulted with many small business owners over the years and assisted them in establishing group benefit programs for their small business. The cost savings, in some cases, have reached 50% per month savings over COBRA premiums. If you own a small business or are self-employed and paying an exorbitant premium for health insurance, please contact me for a FREE no-obligation consultation. Don't let your health destroy your wealth.
John F. Pack
CA Insurance License 0D98889
866-323-6697
949-400-4729 (cell)
calrep@cox.net
3 comments:
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This is great, you sound like an awesome insurance agent
I will come back to read your blog.
very resourceful. i will pass this along to my employees.
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