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Kansas Small Business Health Insurance

Because of the movie The Wizard of Oz, "I don't think we're in Kansas anymore" is a line that is known across the country as the herald of a new, more colorful age. With this kind of growth inevitable, small employers are finding an increasing need for employees that will stay with the company as it grows. In today's competitive economy, good pay alone doesn't guarantee a loyal employee. What most workers want now is health insurance.

In 2003, only 41.4% of small business owners offered health insurance. The state of Kansas wants that to change. State legislature recently doubled the tax credit offered to small businesses that have not previously offered insurance. Working along with the state is the Kansas Health Partners Benefit Association (KHPBA), a private organization dedicated to reducing Kansas' uninsured by offering limited liability plans for 30-40% less premiums than traditional coverage. In addition, Health Savings Accounts were introduced to Kansas businesses in 2004. Finally, insurance carriers themselves are working to assist small business owners find plans that are affordable and comprehensive, in accordance with the state's insurance regulations.

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Featured Kansas Small Business Health Insurance Providers

• United HealthCare
  
  

In addition, if you are looking for information on Individual or Family Plans in Kansas, products are available from the following:

• BlueCross BlueShield of Kansas City
  
  
• Celtic Insurance Company
  
  
• Humana
  

Kansas’s Small Business Health Insurance Regulations

• Guaranteed issue and renewability is in effect; insurance carriers must offer employers of 2-50 workers the same health plans they offer other small businesses, and cannot cancel a plan due to the health status of a group member. Minimum contribution or enrollment clauses may be in effect. Eligible employees work 30 or more hours per week.
  
  
• Insurance carriers can impose a higher premium due to a group's health status, age or demographic characteristics, however there is a limit to how much these premiums can vary.
  
  
• Self-employed workers with no employees cannot enroll in a group plan. However, they may be able to deduct up to 90% of their premium costs on their federal return.

Request a free online quote for more information on Small Business solutions in Kansas >>