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Rows of homes and the downtown towers of San Francisco, California, seen from Twin Peaks

San Francisco · San Francisco County, California

San Francisco health insurance broker. For people who run their own shop.

Free help for San Franciscans who work for themselves. Own a café or a small studio, consult from a spare room, or sell online? You can compare plans on Covered California, and we can help you understand your options. We are licensed in California. California runs its own exchange, Covered California.

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Photo: "San Francisco from Twin Peaks September 2013 panorama 3" by King of Hearts, via Wikimedia Commons, licensed under CC BY-SA 3.0. Cropped, resized, and converted to WebP. Modified from the original. This edited version is also licensed under CC BY-SA 3.0.

Questions we hear

Your own business,
your own plan?

About 31 in 100 San Francisco workers mostly work from home, per the Census Bureau. Owners and self-employed people here often ask:

“I own a small shop. Can I just buy a plan for myself?”

Yes. You can buy your own plan through Covered California. If you have workers, a group plan is a separate choice we can talk through.

“Is my health plan a business cost?”

It can be for some self-employed people. A tax professional can tell you how the rules work for you.

“Is it one form for Covered California and Medi-Cal?”

Yes. Covered California says one application checks you for both programs.

San Francisco by the numbers

A city that is
also a county.

San Francisco is a city and a county with the same borders. These figures come from the Census Bureau.

About 830,000

people live in San Francisco, Census 2020-2024.

$140,970

is the median San Francisco household income.

About 38 in 100

of San Francisco homes are lived in by owners.

About 40

is the median age in San Francisco.

About 31 in 100

of San Francisco workers mainly work remotely.

About 4 in 100

of San Franciscans under 65 were uninsured.

About 9 in 100

of local adults 19-64 relied only on a plan they bought.

Source for San Francisco: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (tables B01003, B19013, B25003, B01002, B08301, B27010). Your plans, prices, and tax credit depend on your ZIP code, household, and income.

Paul Daniels
Paul DanielsLicensed health advisor · NPN 20986580

How we help

Owner-to-owner help
in San Francisco.

We can show California plans from several insurers next to each other. We add twelve months of premiums to the deductible, so you see a full-year number for each.

Owners often pay themselves in odd ways, like a draw one month and nothing the next. We help you estimate your 2027 profit, because that is what the help is based on.

If you have a few workers, we can explain how buying your own plan differs from setting up a group plan, so you can decide what's right for the business.

Many San Francisco plans use different groups of doctors. Two plans can look alike on price but send you to different clinics.

If you sold a business or started a new one this year, we fold that into your income estimate.

  • Help for owners and the self-employed
  • Licensed in 20 U.S. states · Agent NPN 20986580 · CA License 4526037
  • You do not pay us for our help. We are paid by the insurance companies when you enroll. Your price for a plan is the same whether you use us or sign up on your own. Commissions can differ by company.

How it works

Three steps
for business owners.

Who is on the plan

Ages and your San Francisco ZIP code.

Your 2027 profit

Business income after costs, plus other pay.

Compare and choose

Full-year totals, with your doctors looked up.

Book a 15-minute call
Free · No obligation · About a 15-minute call

What you get

A plan that fits
how you earn.

If you estimate your profit too low, you may have to pay some help back at tax time. After our call, you'll have:

  • A profit estimate you can update
  • A yearly total for each plan
  • Your doctors checked plan by plan
  • A plan to sign up by December 31, 2026, for a January 1, 2027, start

Straight answers

San Francisco health insurance questions.

When is open enrollment in California for 2027?

As of October 24, 2026, Covered California says open enrollment for 2027 runs from November 1, 2026, through January 31, 2027. A court case about these dates, City of Columbus v. Kennedy, is still on appeal, with argument set for October 30, 2026. Confirm the dates before you enroll. Sign up by December 31 for a plan that starts January 1.

Has California expanded Medicaid?

Yes. As of October 24, 2026, California has adopted the ACA Medicaid expansion, according to KFF. In California, Medicaid is called Medi-Cal.

Is there a California penalty for no coverage?

As of October 24, 2026, California has its own rule that most people must have coverage. If you go without, you may owe a state tax penalty unless you qualify for an exemption. The Franchise Tax Board has details.

Can my spouse who works with me be on my plan?

Yes, a spouse can be on your family plan. If your spouse is offered a job plan somewhere else, that offer can change your help.

What if my business has a slow year?

Lower profit can mean more help. Update your estimate with Covered California once you know.

Can I see doctors in Oakland or down the Peninsula?

Only if they're in the plan's network. Networks differ, so we look them up.

Do I need my tax return?

It helps. Your last return and your books for this year make for a better estimate.

Is San Francisco a city or a county?

Both. The city and county share the same borders, so your plan choices come from your ZIP code.

More help

Entrepreneur health insurance Sole proprietor health insurance Nationwide private PPO plans All areas we serve

Open enrollment starts November 1

Comparing plans in San Francisco?

Bring your numbers to a free 15-minute call, or start a quote online. No obligation.

Book a 15-minute call Get a quote online

By the Daniels Health Advisors team (agent NPN 20986580). Local facts checked October 24, 2026.

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage—not Covered California, HealthCare.gov, CMS, a state agency, a state insurance department, or an insurance company. Availability, premiums, networks, deductibles, and subsidies vary by zip, household, and plan year. Nothing here is medical, legal, or tax advice, or a guarantee of savings, approval, any-doctor access, or a “best” plan. For tax questions, talk with a tax professional. Official: CoveredCA.com. To check an agent's license, contact your state's insurance department. San Francisco / San Francisco County, California.