Self-Employed Health Insurance in Basehor, KS

Whitehead Financial helps self-employed people in Basehor find and understand individual health insurance options. Lucy Whitehead explains how the Marketplace and other plans work, with no charge for her services.

Only about 5.5% of Basehor residents under 65 are without health insurance (U.S. Census Bureau QuickFacts), so most people here do have coverage. For self-employed folks, though, keeping it usually means shopping for a plan themselves instead of getting one through an employer. HealthCare.gov notes that if you're self-employed with no employees, you're not considered an employer and can use the Health Insurance Marketplace to find coverage (HealthCare.gov).

Kansas is a Federally Facilitated Marketplace state and uses HealthCare.gov for open enrollment (Kansas Insurance Department). One tricky part for business owners is income: Marketplace savings are based on your estimated net income for the year you're getting coverage, not last year's income (HealthCare.gov). Lucy helps you understand how that estimate affects what you see, and suggests you check numbers with your tax professional.

Lucy also works with Basehor residents who are nearing 65 and thinking ahead to Medicare. For free, unbiased Medicare counseling, Kansas offers SHICK, Senior Health Insurance Counseling for Kansas, staffed by trained community volunteers (KDADS). Lucy is happy to work alongside resources like that. Whatever your situation, she'll explain plan types, networks and costs in plain English, and there's no charge for her help.

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