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.

Question: How can I purchase group health insurance for myself and
family and pay for it as an expense of my business?

You may be able to get a group plan (which may be paid by the employer
if you institute a company policy that way.) Most group plans however
require that you have at least 2 people on payroll. And unfortunately
each employee will have its own copays/deductibles. So for example,
you would be one employee. Your wife would be another and she would
add the child/children onto her plan. But the reality is that in
California, based on my experience, health insurance is extremely
pricey. I have my wife on as an employee as stated above, but she IS a
legitimate employee of the company. Just know that whatever you offer
to one employee you must offer to another. So if you ever hire another
employee, the company must pay for their health insurance too. You may
check with Pacificare and Blue Shield. I know for certain these two
providers offer group policies for businesses with 2+ employees. The
advantage with a group plan too is that if you  have any illnesses
that may inhibit your ability to get health insurance privately, they
won't deny you under the group plan. Hope that helps. Disclaimer: this
is just my opinion based on my dealings in this area. Check with your
local authorities, IRS, etc etc. ;)

If you are in the Arts and Entertainment industry (author, artist,
actor, musician, photographer, journalist, etc.) depending on where
you live in California, and membership in an affiliated professional
association, we can get you Group Health insurance.  Our website is
www . teigit . com.  You can contact us if you need information.

1)  Your wife needs to be on the ownership/partner documents on your corporation
2)  The corporation needs to have a local business license, Fed Tax ID
3)  Payroll helps
4)  Depending on the pre-existing conditions, it may be more
beneficial for you to go with private insurance (for the self
employed).

Free consultation @ knoxassociates . net