Self-Employed Health Insurance in Salina, KS

Whitehead Financial helps self-employed people in Salina, KS find individual health insurance, including Marketplace plans. Lucy Whitehead compares options with you by phone or video, and her help costs nothing.

In Salina, 14.7% of people under 65 don't have health insurance (U.S. Census Bureau QuickFacts). Self-employed residents can fall through the cracks because there's no employer plan to join. HealthCare.gov says 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). Lucy can explain how to compare the plans available to you.

Downtown Salina, which Discover Salina describes as mixing vibrant downtown energy with welcoming Midwestern charm (Discover Salina), is home to many owner-run shops and restaurants. Owners often have income that shifts through the year. HealthCare.gov notes that 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 talk through what to have ready before you apply.

For self-employed residents in their 50s and early 60s, which is common in a city where 18.5% of residents are already 65 or older (U.S. Census Bureau QuickFacts), health insurance before Medicare can be a big concern. HealthCare.gov describes plan categories ranging from low-premium plans that mainly protect against worst-case scenarios to plans with higher premiums and lower out-of-pocket costs (HealthCare.gov). Lucy can help you think through which fits your needs.

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