Why choose California business health insurance instead of an individual plan?

Business owners and the self-employed choose California small group health insurance for a variety of reasons. Often, small business owners with employees offer California group health benefits in an effort to retain quality employees. Business owners realize that they attract more applicants and are more successful in retaining productive employees when they offer health insurance benefits. For individuals with pre-existing health conditions, group healthcare plans may be their only affordable healthcare option. Business plans offer California self employed health insurance and husband-wife group coverage without considering pre-existing health conditions. Mandated by state law, no medical questions are asked and no physical is required for small business health insurance. California individual plans, on the other hand, require medical underwriting which excludes many with pre-existing health conditions from coverage.