I'm a successful part time entrepreneur in California, but I maintain my day job because of the group health insurance they offer. I'd like to cut the apron string and go out completely on my own, but the insurance situation holds these plans hostage. I don't want to buy private health insurance, I would like to structure my one man business so that I can easily purchase group health insurance for myself and family. I'd like to purchase group insurance as opposed to private insurance so that I don't have to deal with preexisting conditions and riders, etc. Since I'm still a sole proprietor, I have plenty of leeway in regards to business structure, and I'm willing to change whatever is necessary to get the best deal possible. How can I get health insurance for myself and family and pay for it as business expense without employees?
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In order to get group coverage you must have a minimum of four employees and have 75% participation to qualify.
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