Self-Employed Health Insurance in California
Private PPO health insurance built for self-employed and 1099 workers across California — from Los Angeles, San Diego, and San Jose to everywhere in between. Nationwide networks, year-round enrollment, and a free review from licensed advisors.
- Enroll any time of year
- Broad nationwide PPO networks
- Plans matched to your budget
- Licensed advisor does the legwork
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Self-Employed · California
Health insurance for self-employed and 1099 workers in California
Whether you work out of Los Angeles, San Diego, and San Jose, or anywhere else in California, self-employed and 1099 workers rarely get health benefits through an employer — so coverage is on you. A private PPO plan is built for exactly that: it enrolls year-round, uses a broad nationwide network that works throughout California and across state lines, and the coverage is yours no matter who you work with.
California has 5 of its largest metros in Los Angeles, San Diego, San Jose, San Francisco, and Sacramento — and a private PPO gives you in-network access in each, plus everywhere your work takes you. For the full picture of how this coverage fits your profession, see our guide to health insurance for self-employed professionals, or browse private PPO coverage in California.
The Difference
Why self-employed and 1099 workers in California choose a private PPO
Going It Alone
- No employer plan to fall back on
- Marketplace open-enrollment windows
- Narrow HMO networks
- Confusing options and jargon
Private PPO
- Enroll any time of year
- Broad nationwide PPO networks
- Plans matched to your budget
- Licensed advisor does the legwork
Coverage across California
A nationwide PPO network means in-network care wherever you are in California. Major metros include:
- Los Angeles, CA
- San Diego, CA
- San Jose, CA
- San Francisco, CA
- Sacramento, CA
And because the network is nationwide, your coverage travels with you beyond California — which matters when your work does too.
FAQs
Self-Employed coverage in California: common questions
Most self-employed and 1099 workers in California don't get employer coverage, so they buy an individual private PPO plan or a Marketplace plan. A private PPO enrolls year-round, uses a nationwide network that works across California and beyond, and isn't tied to any employer.
Yes. Private PPO plans are available statewide in California, including Los Angeles, San Diego, and San Jose. The network is nationwide, so you're covered whether you're at home or traveling for work.
There's no single price — it depends on your age, where in California you live, and the plan you choose. Compare total yearly cost, not just the premium. A licensed advisor can price California options for your ZIP code for free.
Self-Employed coverage in other states
Or call a licensed advisor now at (251) 205-6801.
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