blue cross of california instant quote site: http://www.california-health-insurance.com 1. When I first became self employed, figuring out what coverage I needed and how much it was going to cost me was a big deal. 2. Health insurance in California is never going to get cheaper. Period. It will only rise. Time to take care of business and make sure you're not overpaying. IMHO 3. When it was time to get me and my family coverage, low cost was only the beginning.