{"id":1335,"date":"2017-03-13T23:03:40","date_gmt":"2017-03-13T23:03:40","guid":{"rendered":"http:\/\/blog.simplyinsured.com\/?page_id=1335"},"modified":"2017-11-20T18:17:01","modified_gmt":"2017-11-20T18:17:01","slug":"individual-vs-small-business-health-insurance-guide-san-jose-edition","status":"publish","type":"post","link":"https:\/\/www.simplyinsured.com\/advice\/2017\/03\/13\/individual-vs-small-business-health-insurance-guide-san-jose-edition","title":{"rendered":"Individual vs Small Business Health Insurance Guide: San Jose Edition"},"content":{"rendered":"<h2>What&#8217;s the Better Value in San Jose &#8211; Individual or Small Business Health Insurance?<\/h2>\n<p>We get asked that question a lot from small business owners on whether it is\u00a0better to get coverage under their business or from the individual health insurance exchanges.<\/p>\n<p>To find whether individual or small business health insurance is better, we looked at differences in the cost, coverage, and network to find the best value.<\/p>\n<p><img loading=\"lazy\" class=\" size-full wp-image-1356 aligncenter\" src=\"http:\/\/184.72.99.137\/wp-content\/uploads\/2017\/03\/small-business-vs-individual-health-insurance-plans-san-jose.png\" alt=\"Small Business vs Individual Health Insurance Plans - San Jose.png\" width=\"1091\" height=\"586\" srcset=\"https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/small-business-vs-individual-health-insurance-plans-san-jose.png 1091w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/small-business-vs-individual-health-insurance-plans-san-jose-300x161.png 300w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/small-business-vs-individual-health-insurance-plans-san-jose-768x413.png 768w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/small-business-vs-individual-health-insurance-plans-san-jose-1024x550.png 1024w\" sizes=\"(max-width: 1091px) 100vw, 1091px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2>Individual vs Small Business Health Insurance &#8211; Which is Less Expensive?<\/h2>\n<p>In San Jose, small business premiums are <strong>10-30% less<\/strong> <strong>expensive<\/strong> than individual premiums:<\/p>\n<ul>\n<li>PPO plans are on average 30% less expensive for small businesses than individuals for similar tiers of coverage<\/li>\n<li>Kaiser plans are on average 10% less expensive for small business than individuals for the same type of coverage<\/li>\n<\/ul>\n<p><img loading=\"lazy\" class=\"alignnone size-full wp-image-1338\" src=\"http:\/\/184.72.99.137\/wp-content\/uploads\/2017\/03\/san-jose-ppo-plan-comparison.png\" alt=\"San Jose - PPO Plan Comparison\" width=\"985\" height=\"546\" srcset=\"https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-ppo-plan-comparison.png 985w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-ppo-plan-comparison-300x166.png 300w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-ppo-plan-comparison-768x426.png 768w\" sizes=\"(max-width: 985px) 100vw, 985px\" \/><\/p>\n<p><img loading=\"lazy\" class=\" size-full wp-image-1339 aligncenter\" src=\"http:\/\/184.72.99.137\/wp-content\/uploads\/2017\/03\/san-jose-kaiser-plan-comparison.png\" alt=\"San Jose - Kaiser Plan Comparison\" width=\"985\" height=\"546\" srcset=\"https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-kaiser-plan-comparison.png 985w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-kaiser-plan-comparison-300x166.png 300w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-kaiser-plan-comparison-768x426.png 768w\" sizes=\"(max-width: 985px) 100vw, 985px\" \/><\/p>\n<p>For more information about small business and individual insurance plans, you can find\u00a0specific coverage &amp; rate information at the links below:<\/p>\n<ul>\n<li>Small Business Plans:\u00a0<a href=\"http:\/\/www.simplyinsured.com\/?utm_source=SJ_Individual_vs_Small_Business_1\">See every carrier &amp; plan online at SimplyInsured.com<\/a>.<\/li>\n<li>Individual Plan:\u00a0<a href=\"https:\/\/apply.coveredca.com\/apspahbx\/ahbxanonym.portal?_nfpb=true&amp;_st=&amp;_nfls=false&amp;_pageLabel=previewPlanPage#\">See individual plans and subsidies on Covered California.<\/a><\/li>\n<\/ul>\n<h2>Costs after Taxes and Subsidies<\/h2>\n<p>The second factor to examine is whether the after-tax cost of small business coverage and is lower than cost of individual plans with tax subsidies:<\/p>\n<ul>\n<li>Small business plans are tax deductible, which reduces the cost of coverage by the business tax rate (typically 25-35%)<\/li>\n<li>Individual plans receive a subsidy to individuals with incomes below\u00a0$44,000\/year. The lower the income, the larger the subsidy amount.<\/li>\n<\/ul>\n<p><strong>In order for the post-subsidy cost of an individual plan to be less than small businesss coverage, your annual income would need to be below $25K-30K\/year.<\/strong><\/p>\n<h2><img loading=\"lazy\" class=\" size-full wp-image-1344 aligncenter\" src=\"http:\/\/184.72.99.137\/wp-content\/uploads\/2017\/03\/san-jose-ppo-tax-subsidy-comparison.png\" alt=\"San Jose - PPO Tax Subsidy Comparison\" width=\"985\" height=\"545\" srcset=\"https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-ppo-tax-subsidy-comparison.png 985w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-ppo-tax-subsidy-comparison-300x166.png 300w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-ppo-tax-subsidy-comparison-768x425.png 768w\" sizes=\"(max-width: 985px) 100vw, 985px\" \/><\/h2>\n<p><img loading=\"lazy\" class=\" size-full wp-image-1343 aligncenter\" src=\"http:\/\/184.72.99.137\/wp-content\/uploads\/2017\/03\/san-jose-kaiser-tax-subsidy-comparison.png\" alt=\"San Jose - Kaiser Tax Subsidy Comparison\" width=\"985\" height=\"546\" srcset=\"https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-kaiser-tax-subsidy-comparison.png 985w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-kaiser-tax-subsidy-comparison-300x166.png 300w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-kaiser-tax-subsidy-comparison-768x426.png 768w\" sizes=\"(max-width: 985px) 100vw, 985px\" \/><\/p>\n<h2>Individual vs Small Business Health Insurance &#8211; Which Has a Better Network?<\/h2>\n<p>Small business plans have access to larger doctor and hospital networks, and provide access to many more specialist and top hospital systems. Individual plans, especially those on the Covered California exchange, are much more restrictive and limited in the doctor network.<\/p>\n<h3>Hospital Network Comparison<\/h3>\n<ul>\n<li>Anthem Blue Cross and Blue Shield of California have similar sized hospital networks for both the individual and small business plans.<\/li>\n<li>HealthNet&#8217;s individual network includes much fewer hospitals than the small business network.<\/li>\n<li>Kaiser Permanente has the same network for both the individual and small business plans.<\/li>\n<li>Aetna and United Healthcare have larger hospital networks under their small business plans, but don&#8217;t offer individual plans.<\/li>\n<\/ul>\n<h3><img loading=\"lazy\" class=\"aligncenter size-full wp-image-1348\" src=\"http:\/\/184.72.99.137\/wp-content\/uploads\/2017\/03\/san-jose-hospital-network-size.png\" alt=\"San Jose - Hospital Network Size.png\" width=\"853\" height=\"570\" srcset=\"https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-hospital-network-size.png 853w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-hospital-network-size-300x200.png 300w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-hospital-network-size-768x513.png 768w\" sizes=\"(max-width: 853px) 100vw, 853px\" \/><br \/>\nDoctor Network Comparison<\/h3>\n<ul>\n<li>Carriers with PPO networks like Anthem Blue Cross, Blue Shield of CA, and HealthNet have 30-50% fewer doctors in the individual network compared to the small business network<\/li>\n<li>Kaiser Permanente has the same number of doctors in both\u00a0the individual and small business plans.<\/li>\n<li>Aetna and United Healthcare have 2 of the largest networks in California, but are only available to small businesses.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" class=\"aligncenter size-full wp-image-1350\" src=\"http:\/\/184.72.99.137\/wp-content\/uploads\/2017\/03\/san-jose-doctor-network-size.png\" alt=\"San Jose - Doctor Network Size.png\" width=\"853\" height=\"569\" srcset=\"https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-doctor-network-size.png 853w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-doctor-network-size-300x200.png 300w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2017\/03\/san-jose-doctor-network-size-768x512.png 768w\" sizes=\"(max-width: 853px) 100vw, 853px\" \/><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<h1 class=\"ng-binding\"><a href=\"http:\/\/www.simplyinsured.com\/?utm_source=SJ_Individual_vs_small_business\"><img loading=\"lazy\" class=\" size-full wp-image-44 aligncenter\" src=\"http:\/\/184.72.99.137\/wp-content\/uploads\/2016\/10\/get-a-quote1.png\" alt=\"Get Instant Health Insurance Quote\" width=\"936\" height=\"455\" srcset=\"https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2016\/10\/get-a-quote1.png 936w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2016\/10\/get-a-quote1-300x146.png 300w, https:\/\/www.simplyinsured.com\/advice\/wp-content\/uploads\/2016\/10\/get-a-quote1-768x373.png 768w\" sizes=\"(max-width: 936px) 100vw, 936px\" \/><\/a><\/h1>\n<h3><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>What&#8217;s the Better Value in San Jose &#8211; Individual or Small Business Health Insurance? We get asked that question a lot from small business owners on whether it is\u00a0better to get coverage under their business or from the individual health insurance exchanges. To find whether individual or small business health insurance is better, we looked&#8230;<\/p>\n","protected":false},"author":2,"featured_media":1354,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false},"categories":[4],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.7 (Yoast SEO v19.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Small Business Health Insurance Guide - San Jose, CA Edition<\/title>\n<meta name=\"description\" content=\"Explanation of the options for small businesses to buy health insurance in the San Jose market in California. Comparison of individual vs small group.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.simplyinsured.com\/advice\/2017\/03\/13\/individual-vs-small-business-health-insurance-guide-san-jose-edition\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Individual vs Small Business Health Insurance Guide: San Jose Edition\" \/>\n<meta property=\"og:description\" content=\"Explanation of the options for small businesses to buy health insurance in the San Jose market in California. 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