Self-Employed Health Insurance in Leavenworth, KS

Lucy Whitehead of Whitehead Financial helps self-employed people in Leavenworth, KS find health insurance that fits their needs and budget. She's an independent broker based in Basehor, and there's no charge for her services.

Leavenworth has a long business history. In the 1880s and 1890s, the city was described as the most important manufacturing city in Kansas, with 67 industries (City of Leavenworth). Today, many residents work for themselves. The challenge is that leaving an employer plan means sorting out coverage alone, and about 9.1% of Leavenworth residents under 65 don't have health insurance (U.S. Census Bureau QuickFacts). Lucy helps self-employed people compare their options.

According to HealthCare.gov, if you're self-employed with no employees, you're not considered an employer, and you can enroll through the Health Insurance Marketplace as a freelancer, consultant or independent contractor. Marketplace savings are based on your estimated net income for the year you're getting coverage, not last year's income (HealthCare.gov). Lucy can help you understand how that works when your income changes from month to month.

Open Enrollment for Marketplace plans runs from November 1 to January 15, and if you enroll by December 15, coverage can start as soon as January 1 (HealthCare.gov). A conversation with Lucy covers what kinds of plans may be available, how deductibles and networks compare, and what to expect when you enroll. As an independent broker, she isn't tied to one company, and her help is free.

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