Individuals & Families · California Health Insurance
🌞🌴 Best Health Insurance Coverage for Individuals in California
I’m Matthew Reilly, a licensed California health, life, and group insurance agent. If you’re self-employed or buying coverage on your own, here is why it matters and how I can help.
Dates are set by Covered California; confirm at coveredca.com. This website is not affiliated with, endorsed by, or sponsored by Covered California or any government agency.
🔍 Tap the chart to enlarge. Source: Covered California, 2027 Patient-Centered Benefit Designs (09/2026).
🧮 FPL Calculator: Income to FPL % and Back
Enter your household size, then your yearly income or an FPL %. See where you land on the chart above.
Disclaimer: This calculator is for entertainment purposes only. A Certified Covered California Agent like myself can give you the exact information through the official Covered California exchange portal. Figures use the 2026 federal poverty guidelines for the 48 contiguous states, which apply to 2027 coverage. Final eligibility is determined by Covered California and Medi-Cal.
💼 Why does personal coverage matter if I'm self-employed?Awareness
For independent and self-employed people, not having personal health insurance creates constant stress. Your family depends on you, and if you're suddenly out of the game because of something that could have been avoided, the financial and emotional impact can be devastating.
🧾 What about taxes and penalties?Logic
In California, going without coverage doesn't just put your health at risk — it can also come with a tax penalty, so you may pay extra for being unprotected. When you do have insurance, it may be deductible for the self-employed, which can lower your taxable income. Ask your tax professional how this applies to you.
🛡️ What does having coverage give me?Peace of mind
Peace of mind knowing your coverage is protecting you, your family is secure, and you're not losing money to penalties. That's the confidence every self-employed professional deserves.
✨ How can Matthew help?Solution
I specialize in finding affordable plans that protect your independence, safeguard your family, and give you the peace of mind to focus on your work without worry.
Carriers and plans I can help you compare
Multi-carrier individual & family plans (Under 65 ACA)Several California carriersLicensed carrier partnersCovered CaliforniaInternational coverage optionsHMO and PPO plan optionsRegional health plan options
Legal & Compliance Disclaimer
This page is general information, not tax or legal advice and not a guarantee of plan availability, network participation, or savings. Tax treatment depends on your situation; consult a tax professional. Plan availability varies by county and ZIP code.
