Self-Employed Health Insurance in Kansas City, KS

Whitehead Financial helps self-employed people in Kansas City, Kansas, understand and compare individual health insurance options. Lucy Whitehead explains how the Marketplace works, with no charge for her services.

Health coverage is a real gap in Kansas City, Kansas: about 20.0% of residents under 65 don't have health insurance (U.S. Census Bureau QuickFacts). Self-employed people are especially likely to fall through the cracks, since there's no employer plan to lean on. 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 for yourself (HealthCare.gov).

Kansas is a Federally Facilitated Marketplace state and uses HealthCare.gov for open enrollment (Kansas Insurance Department). For business owners, the income question can be confusing. Marketplace savings are based on your estimated net income for the year you're getting coverage, not last year's income, and HealthCare.gov asks you to estimate it as accurately as you can (HealthCare.gov). Lucy helps you understand how that works and encourages you to confirm figures with your tax professional.

If you or a family member are getting close to 65, Lucy can also talk through what changes with Medicare. Kansas offers SHICK, Senior Health Insurance Counseling for Kansas, a free program with trained community volunteers who answer Medicare questions (KDADS). Lucy is glad to work alongside that kind of help. She serves KCK clients from her Basehor office, at your home, or by phone or video, and there's no charge for her services.

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