Kansas Small Business Health Insurance

There are different Kansas health insurance laws regarding small businesses and the self-employed. Often, these types of health insurance policies are easier to qualify for than an individual health insurance policy, especiallyif you are not in the best of health.

This guide:

  • Describes small business health insurance laws in Kansas

  • Briefly explains self-employed Kansas health insurance

  • Alerts you to a beneficial tax deduction

We also have a guide to Kansas health insurance for families and individuals.

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Kansas small business health insurance regulations

Kansas small business health insurance laws require Kansas health insurance companies to sell any qualifying small business a group health insurance policy if they apply for one. Also, the same small group health insurance policy sold to other small businesses must also be made available to every eligible Kansas small business. To be eligible, the small business must have at least 2 employees, but not more than 50.

Kansas health insurance companies, however, can mandate minimum participation requirements. Under this stipulation, a certain percentage of employees or members must purchase the offered health insurance policy or the entire health insurance policy for the small business will be rescinded. Kansas health insurance companies may also request that the employer contributes a specific amount to their employees Kansas small business health insurance before agreeing to sell the policy.

Also, the price of Kansas small business health insurance is only lightly regualted. Premiums for Kansas small business health insurance can be more due to the group's health status and risk, but within limits.

However, as a protection for groups insured under small business health insurance, Kansas health insurance regulations do not allow policies to be canceled because one of the insured individuals falls ill.

Self-employed Kansas health insurance

Buying health insurance as a self-employed individual is treated differently by each state's own health insurance laws. According to Kansas health insurance laws, a self-employed individual cannot purchase group health insurance if there no other employees.

However there is a big benefit to being a self-employed business owner. A percentage of health insurance premiums can be deducted from your taxes if you are a self-employed individual and are buying your own health insurance. Depending upon the year, 70 to 90 percent of health insurance premiums can be deducted as an itemized deduction.

More KS small business health insurance help

If you want more help getting the best health insurance policy to meet your needs, read our guide to small business health insurance.

To find out more about KS group health insurance laws and regulations, visit the official website of the Kansas Department of Commerce and Consumer Affairs, Insurance Division.

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