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by kxyvr 2579 days ago
Your best choice will likely be a plan from the ACA. In California, this is https://www.coveredca.com/. You can try and get cute and find something like a MEWA, which have theoretically been cleaned up from the disaster that they were in the past (bankrupt and not covering claims.) There's also professional organizations that you can purchase through, but I've never seen one that isn't just a gateway for the ACA.

As far as price, just check the market. There should be a way to see prices without even creating an account. The total price to account for is premium*12 + out_of_pocket_max, which should be between $11-15k for the year for a single person regardless of what plan you have. For me, I'm at about $490/month for a $7900 out of pocket max, which puts my total liability at $13780 for the year. Though, it will probably be less than that given that I'm healthy. That said, I'm not in CA.

Anyway, good luck! Running your own business is exciting and this is an expense. Also worth noting that your premiums are completely deductible as a self-employed person, which is normally not the case.