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.
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.
Kansas Health Insurance Providers with Self-Employed Health Insurance Plans
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.