Individual & Family
Group health
Medicare Supplement


Free Assistance 800-320-6269

California health insurance  -  Group health insurance  -  Group versus Individual

Should I cancel my individual coverage if offered Group benefits?

In today's labor market, it is much more common for people to move in and out of the labor market.

Whether it is a stint at self-employment, a change to a new job, or perhaps going with a company on a 1099 basis, the impact on health insurance both coming off and going back on group coverage should be considered.

Coming off of Group coverage offers some options.

First, you will typically have a Cobra option in California which allows you to continue your group plan for a minimum of 18 months and in some cases, 36 months through a Cal-Cobra extension. After exhausting Cobra, you may also have a HIPAA guaranteed issue option.

These are back up options ideally. If you are healthy, you can also investigate the Individual Family health insurance market in California. Individual family insurance is medically underwritten which means you need to qualify based on health.

You can cancel month to month with individual health insurance. Individual family coverage will likely be the most cost-effective option since you are paying the monthly premium yourself.

The issue comes when a person is on individual health insurance and they are offered Small Group health insurance benefits with a new group.

Important items to consider when looking at Group health insurance as an employee

Individual Family is now guaranteed issue like Group health.  This means that you cannot be declined based on health.

How likely is the job (and health insurance) to be permanent or long term?

If you are not sure how the job will work out, it might make sense to keep your individual plan for a period of time to see if the company works well for you.

If you get into a company and three months later, decide to leave, you are still in the same situation above if your individual plan was cancelled.
Is the new company likely to continue?

 We would recommend being cautious with a new start-up company as well. If a company shuts down or cancels their Group health insurance plan, the Cobra option disappears with it. Cobra is, after all, continuation of the group health plan so no group Cobra.

Choice of carriers and networks.

 A new company may only have Kaiser or some California health carrier that does not contract with your long-term doctor. Also, the company may change health plans (and/or carriers) at a later date.

This would force you to use the network available or pay significantly more out of pocket.
Again, if a new employer is offering group health insurance, it usually makes sense to go that route.

Just make sure to consider the above points as some people are caught un-prepared for situations resulting from canceling individual coverage for a new group plan.

You can run your California personal health plan quote here to view rates and plans side by side from the major carriers...Free.

Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!


In just 15 minutes:

  • - Get the most tax credit available
  • - Find the best plan for your needs
  • - Enroll right over the phone!

Call 800-320-6269

Our Services are FREE to You!

Need Help
With Existing Account

We can help you:

  • -Get required docs to covered Ca.
  • -Make changes to income and other info
  • -Choose and finalize plan enrollment
  • -Make sure you get right tax credit
  • -Payment/membership issues with carriers

Call to Enroll over the Phone in 15 Minutes

If Your Income
Is In This Range

Current Years Estimate; All those that file together on one 1040:

Single Person: $16k - $47k
2 People $22k - $64k
3 People $27k - $80k
4 People $33k - $97k

Call 800-320-6269
Anthem Blue Cross California
Blue Shield of California under Covered California
Kaiser of California
Health Net of California
and more
Thousands of Californians
Hundreds of California Companies
Thousands of Californians
Hundreds of California Companies

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."

from KV

"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

Find out what customers are saying about our services

20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable

We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

Call will be Pleasantly Surprised.  800-320-6269

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

calhealth website

Our Services are FREE to You is a Goodacre Insurance Services Website

This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.