More people these days are choosing to become self-employed to meet their professional goals. However, being self-employed leaves them at potential risks others gainfully employed can avoid. These risks can lead to liability and financial ruin. This is where self-employed health insurance comes in.

Given that self-employed offers flexibility and freedom, it makes perfect sense that Kansas's self-employed health insurance offers the same while protecting from general liability and work-specific perils.

Types of Self-Employed Health Insurance Plans Available To You

In Kansas, there are two primary types of health insurance suited to small businesses and self-employed persons:

Individual Health Insurance

Individual health insurance policies are those plans bought by individuals to provide insurance coverage for themselves and/ or their families. Just about anyone can apply for this type of insurance. Small business owners that don’t provide group coverage minimums can also buy individual policies.

Group Health Insurance

Group health insurance policies are a type of employer-sponsored health coverage. Healthcare costs are usually shared between employee and employee, with coverage extending to dependents. In Kansas, self-employed individuals with no other employees can qualify for group health insurance policies.

Types of Group Health Insurance Policies

  1. PPO Health Insurance Plans,
  2. HMO Health Insurance Plans,
  3. HSA-Qualified Health Insurance Plans
  4. Indemnity Health Insurance Plans.

Kansas Health Insurance Providers with Self-Employed Health Insurance Plans

  • Blue Cross Blue Shield of Kansas
  • UnitedHealthcare

How Do You Know Self-Employed Insurance Is Right For You?

Small business owners and other self-employed individuals in Kansas have access to the Small Business Health Options Program or SHOP exchange. 

The Kansas exchange is supported by the federal government and makes any business with a maximum of 50 employees eligible for this type of insurance.

Benefits of Kansas Self-Employed Health Insurance

  • Individuals that get self-employed insurance for themselves and their families are eligible for tax deductibility. This means they can deduct 100% of their premium.
  • Considering you would be paying the premium and receiving the benefits, you are eligible for high deductible and low cost comprehensive plans like PPOs.
  • Being self-employed also means that you can be eligible for a group plan. And being part of a group plan means that you can pay for insurance coverage using pre-tax dollars. This has the benefit of significantly reducing your contribution amount once the year ends.
  • If you are a small business owner, you might be eligible for a tax credit, which can help reduce the cost of your employees’ premiums.

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