Kansas Small Business Health Insurance Options
HSA for America Complete Guide to Kansas small business health insurance. This guide is for Iowa small businesses with 30 or fewer employees.
This document was created to guide small business owners and professionals in creating the best possible employee health benefit package. To remain competitive you must offer benefits that are attractive to the talent you want and the package of compensation necessary to retain them.
Kansas Small Business Health Insurance Benefit Options
Kansas’s small business owners have a variety of options to choose from when providing benefits for their employees.
One of the most cost-effective, yet most commonly used, options is to adopt a standard group health insurance program.
The price varies by age. However, according to information from the Kaiser Family Foundation in 2022, an employer sponsored group health plan covering both a worker’s family and a worker was expected to cost $19 237 per year.
Kansas employees, in average, contribute to their health insurance cost more than $5,600 on average.
Kansas companies also have other choices that can reduce costs. They include:
- Health Savings Accounts (HSAs).
- Health reimbursement arrangements (HRAs).
- Direct primary care memberships
- Health sharing programs
Your small business’s best strategy depends on a number of factors, such as the size and budget of your company, along with your employees and dependents.
Read on the go, download our Complete Guide To Small Business Healthcare Plans.
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Geographical Considerations for Kansas Small Business Health Insurance
Kansas’ unique healthcare environment is also important to consider. It includes busy cities such as Kansas City, Topeka or Wichita and more rural regions around Haven, Edna and other places.
Kansas business owners need to consider the distribution of their staff throughout the State. For executives at company headquarters in Wichita choosing an HMO restricting workers and their dependents to using in-network doctors is not a good idea when the majority of employees, and even their children live and/or work in Udall.
Kansas Small Business Group Health Insurance
The most popular choice of group health coverage for Kansas employers is traditional group insurance. This is very expensive.
This is how it works:
A third-party insurer, usually a corporation that makes money from insurance policies, is contracted by an employer to provide health benefits for its employees. If the employer so desires, they can also include their dependents.
The Affordable Care Act requires that employers who have 50 employees or more offer ACA qualified health insurance for all their employees working more than 30 hour per week. Otherwise, they will be penalized.
Health insurance plans must include the 10 minimum essential coverages required by the Affordable Care Act. The ten essential coverages (MEC) are as follows:
- Ambulatory Patient Services (outpatient services you receive without having to be admitted into a hospital).
- Emergency services
- Hospitalization is a term used to describe a hospitalization that includes surgery, overnight stay and other types of care.
- Care of the newborn, both before and after delivery, as well as pregnancy, maternity and newborn care
- Services for mental health disorders and addictions, such as counseling and psychotherapy.
- Prescription drugs
- Services and Devices for Rehabilitation and Habilitative (Services and Devices to Help People with Injuries, Disabilities, and Chronic Conditions Gain or Recover Mental and Physical Skills)
- Laboratory Services
- Services for prevention and wellness and management of chronic diseases
- Children’s services including dental and eye care are covered (adult dental and visual coverage is not essential).
The ACA also requires that health insurance cover birth control and breast-feeding.
Although traditional health insurance may be the most expensive choice for your business, you will have guaranteed enrollment.
In the event the worker applies for insurance during his initial period of enrollment when he first qualifies or during a period of special enrollment triggered after a qualifying personal life event or at the beginning of November each year during open enrollment season, an insurer can not deny or raise their premiums because of medical records.
Kansas Small Businesses Do Not Need to Provide Health Insurance
The Affordable Care Act does not require employers to provide health insurance for employees with fewer that 50.
Kansas’s state law also does not require health insurance. There is no requirement to offer insurance for businesses with fewer that 50 employees.
There is no penalty.
It’s important for all employers to provide health benefits, even small ones. This is because it will be more difficult for them to attract and retain good employees without a health plan that offers a high level of competition.
Kansas is an area where there is little unemployment and fierce competition among employers for the best talent.
Kansas employers may save significant money if they offer a medical sharing or cost-sharing program (more information below) to their employees and cover some or even all costs.
Benefits of HRA
Your employees can pay for individual insurance through a QSEHRA, which is tax-free.
QSEHRAs can provide the following benefits to employers.
1.) Minimum contribution limit is not set
QSEHRA doesn’t require an annual minimum like a pension. It is up to you as an employer to decide how much money will be allocated for HRA benefits. This budget can change every year, depending on your company’s cash flow.
QSEHRAs give you control over your health benefit budget.
2.) Flexibility
Offer employees different benefits based on marital status or their family situation. Employees with dependents can receive a better benefit than employees who don’t have children or are single.
3.) Employees and employers are both eligible to receive tax-free treatment
Employer contributions are fully deductible by the IRS as a compensatory expense. In contrast to cash benefits, QSEHRAs are tax-free for employees who maintain health plans that include the 10 Essential Coverages specified in the Affordable Care Act.
A QSEHRA offers a more attractive alternative to a simple health insurance subsidy that the employee can use for other purposes, such as purchasing health insurance.
4. QSEHRAs Promote Employee Choice
There are too many group health plans that limit employees to just one or two options for health coverage.
The HR department and the company’s management select these items, which are overpriced or unsuitable to workers.
A QSEHRA offers workers and families a wide range of options and gives them the power to select a health plan which is right for them
Kansas Taxed Employer Health Coverage
The Kansas and federal laws allow you to deduct the full amount of health insurance premiums that you pay for your employees as business expenses. The employee is not taxed on these premiums.
Overall, health sharing plans have lower costs. The employee can also deduct their monthly cost. Employees are taxed on employer-paid health costs.
Kansas Small Business Group Health Insurance: The Disadvantages
The traditional group employer health insurance is not without its disadvantages, both for the employers and their employees.
- Cost
As mentioned above, providing health insurance at a monthly price can be prohibitive
Some of the reasons why traditional health care insurance is so expensive are due to overkill. Washington and Topeka regulators have increased coverages, requirements, and mandatory benefits in health policies that don’t make sense for many employees.
Traditional health plans, for instance, require that the carriers price mental health and addiction treatment, along with drug-and alcohol coverage. Many workers simply don’t want or need these benefits.
This reduces their efficiency and costs.
- Inflexibility
Many group health insurance programs are a one size fits all strategy. This may not be able to adequately meet the budgets and needs of certain employees. Group health insurance programs sponsored by the employer tend to be one-size fits all and may not adequately address specific employee needs or budgets.
Some workers may find it more cost-effective to purchase their own health insurance plan through the private market, taking advantage of subsidies under the Affordable Care Act.
It may be cheaper to use a health-sharing plan. Innovative and affordable health insurance alternatives can provide a solution. This is especially true for employees who are healthy, without any pre-existing health conditions.
Here’s a more detailed look at health-sharing plans.
- Administrative burden
Administrative expenses are significant when it comes to managing full health benefits. This involves managing paperwork and compliance. Auditing plans in order to prevent employees from enrolling people who aren’t qualified, and responding questions of staff. It is important to perform these duties in order for the organization’s health insurance program to operate smoothly.
These plans are expensive for small employers, who may not be able to afford a dedicated HR person to oversee the program.
Business owners may also use strategies like Health Reimbursement Arrangements or health care stipends.
Alternative approaches can encourage employees to purchase their own coverage through the Affordable Care act. It may be possible to get subsidies if workers do this. This also removes the employer from the entire process, which reduces overheads and administrative costs.
Health Sharing Plans in Kansas
Kansas small business can find health sharing plans to be a cost-effective and affordable alternative to high-priced insurance.
Kansas’ businesses increasingly use medical cost-sharing programs to save money on traditional health insurance. Switching from group health insurance plans to medical cost sharing can often save companies up to half on the premiums.
Kansas small business could save as much as $10,000 per annum per employee, for family coverage and over $3,500 annually for single coverage.
These innovative programs allow employers to offer employees high-quality health care, while still controlling costs. These programs are based on the idea of sharing resources with a large group of individuals or organisations.
Participants in health-sharing programs pay an annual amount to the insurance company instead of purchasing traditional insurance.
Health Insurance vs. Health Sharing Plans
A health-sharing plan is different from a medical insurance.
In contrast, health sharing organizations are non-profit associations that bring together people of similar minds to share in the costs of medical care. Contrary to most health insurance providers, who are for-profit companies, health sharing ministries are nonprofit.
The Mandated Coverages
Health insurance plans do not have such requirements. Federal and state law require that traditional health insurance policies include many coverages for which many people are unwilling or unable to pay. Health sharing organizations are not subject to the Ten Minimum Coverage Requirements.
For example, medical cost-sharing plans do not have to pay for addiction treatment in the case of people who don’t use drugs. They don’t have to pay for injuries caused by drunken driving.
Pre Existing Conditions
Healthsharing plans can impose waiting times before sharing the cost of pre-existing medical conditions.
They also often impose waiting times for surgeries except in the case of accidents and injuries that were not foreseen before the membership.
The waiting period eliminates a lot of negative selection and allows health sharing organizations to offer a fantastic set of benefits for a fraction the price of a non-subsidized ACA qualified group health insurance plan or one bought via Healthcare.gov’s online exchange in Kansas.
The Affordable Care Act does not provide subsidies for health sharing plans. The price difference is huge, and many people will still save money by switching to health sharing even if their situation allows them to qualify for subsidies.
Kansas employers are often more inclined to switch from small group insurance plans that receive a subsidy for premiums under the Affordable Care Act (ACA) to health sharing.
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Kansas Health Sharing and Network Restrictions
Health-sharing plans can offer a greater range of healthcare options than the traditional managed-care insurance plans. HMOs are more common and so is PPOs.
Kansas’ health sharing organizations don’t usually limit their members to the providers they have on-network. As a result, the members of the Kansas health sharing organization are able to pick their own doctors or providers. People are given the choice to select any doctor they choose.
Are you a business that can benefit from health sharing?
Every business has its own unique characteristics. It’s important to carefully analyze the options before choosing a plan.
Good news! It is easy to obtain a case study and specific recommendations for your business and staff in Kansas.
To begin the process, click on this link for an appointment.
If you’ve prepared a census of your employees, it will make things easier.
In many cases, switching employees to health coverage will allow you to save thousands. If you are dealing with employees who have pre-existing health conditions, it may be best to avoid health sharing.
You can always consult with us and get an analysis for free.
Kansas Small Businesses can take advantage of Health Reimbursement Plans
Employees can receive a tax-free reimbursement of healthcare expenses through Health Reimbursement Arrangements (HRA).
Kansas Small Businesses often just drop their group insurance benefits. In Kansas, small businesses often opt to create HRAs and give their workers money for purchasing individual health coverage on the private market using dollars before taxes.
The company can also benefit from the available subsidy, thereby lowering the overall cost to the employee and the employer.
After paying for the insurance premiums, workers may use any remaining HRA funds to cover other costs, such as prescriptions and durable medical devices, deductibles or co-pays. HRA benefits remain tax-free for the employee.
Click here to learn more about HRAs for small businesses.
HRAs for Kansas Small Business Health Insurance— QSEHRAs
QSEHRA is an HRA for small business that allows them to use the health insurance reimbursement plan.
It is available to companies that have fewer than fifty full-time workers or an equivalent number, but do not provide a group health insurance program.
The QSEHRA allows businesses to choose their maximum QSEHRA contribution, subject to certain restrictions. Kansas employers may contribute $5,850 to individual employees up to $487.50 each month and up to $11,800 to employees with families up to $983.33 monthly.
This money is used by employees to buy insurance on their own via an online insurance exchange or a personal benefits manager. It preserves eligibility for subsidies, something they could not receive under a group insurance plan paid by their employers.
The employer can decide to pay the employee’s premiums for health insurance only, or also reimburse them for any extra medical expenses.
QSEHRAs & Special Enrollment Periods
Your employees are eligible for Special Enrollment when you replace your existing health plan with HRA. This 60-day period allows your employees to purchase ACA-qualified health insurance plans with guaranteed issue without having to go through any medical underwriting.
The QSEHRA will ensure that employees’ coverage is maintained when your health insurance group plan is replaced by a QSEHRA.
Benefits of HRAs
Health Reimbursement Arrangements offer many benefits.
You can deduct the money that you spend for HRA benefits, and your employees will not pay any tax on it.
HRA is your money, and you retain it until the funds are actually distributed to workers. This money remains in your account as an operating capital. No third parties are required.
HRAs are designed with a lot of flexibility by the employer, including which expenses they will cover.
Employees don’t lose their health insurance coverage when they quit the company or switch to contractor status. With QSEHRA’s approach, each worker is the owner of his/her insurance and can control it, not the employer.
Disadvantages of HRAs
Workers may not be interested in the added responsibility of choosing and researching their own health care plan. Workers may require extra assistance to make the switch.
You can get help from your HSA for America Benefits Manager if this happens. This ensures that no worker gets left behind.
To schedule an individual appointment, have your employees Click this Link or call 1-800-913-0172.
Click here and learn about other options to the employer-sponsored insurance that Kansas small businesses can choose from.
The Advantages of Direct Primary Care
Direct Primary care plans (DPC) are a healthcare alternative that is growing in Kansas as well as across the United States.
A membership model works: for a fixed, monthly, affordable fee (like a gym), your employees are able to receive as much care as they desire, either via telehealth or in-person.
DPC offers a monthly membership cost of only $80 for those who want to prioritize their health and avoid the copays and coinsurance.
DPC plans offer members unlimited access for routine primary, chronic, and preventive care.
Some of the services that are commonly offered by primary direct care include:
Here is a list of some common services provided by primary care physicians:
- Preventive care. DPC doctors stress preventive medicine. Services include routine check-ups with immunizations or screenings of various diseases.
- DPC doctors offer acute care to patients with minor injuries or illnesses, including infections, colds flu and other skin diseases.
- Manage chronic disease. DPC helps patients with chronic conditions, such as arthritis, diabetes and hypertension. The DPC doctors monitor and adapt treatment plans according to patient needs.
- Comprehensive physical exams. DPC doctors provide comprehensive physical examinations in order to identify and assess risks as well as personalize health recommendations.
- Urgent care. DPC physicians are available to provide same-day and next-day emergency care.
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Patients can receive immediate attention to non-emergency issues by making appointments.
- Lab and Diagnostic Services DPCs may perform or arrange a range of lab tests including blood work, urinalysis, imaging (Xrays, Ultrasounds) and electrocardiograms.
- Medication management. DPC Doctors can prescribe medications. Monitor their effectiveness. And make any adjustments needed. Additionally, DPC doctors provide medication education and counselling.
- Mental health service. DPC practices often include mental healthcare services in their overall care. DPC practitioners may refer to mental health professionals for counseling or therapy.
- Minor procedures. DPC physicians are sometimes trained to do minor procedures right in the office. These include suturing lacerations and removing skin lesions or moles. They can also perform joint injections.
- Referrals and coordination of care. DPC physicians act as advocates for patients and coordinate with other health care providers, specialists, hospitals and other healthcare facilities when necessary.
Since there is no insurance provider involved, you don’t have to worry about copays, coinsurance, or deductibles. Everything is covered by the monthly subscription. The monthly subscription covers everything. This allows cash-strapped employees to get the immediate care they require. The workers will never have to delay seeing a doctor due to the cost of the co-payment or deductible.
If patients need additional coverage, they can opt for supplementary plans that include high deductible health plans (high deductible health insurance), health sharing plans (health sharing plans), or accident insurance. DPC offers routine healthcare as part of membership. Patients can select more cost effective coverage such as health sharing instead of traditional health insurance.
HSAs or Health Savings Accounts
The HSA (Health Savings accounts) is a powerful tool that can assist workers in managing their health care costs and also help to keep the premiums of workplace health insurance lower.
Kansas’ residents and business need any tax incentives they can obtain. As compensation, Kansas’ corporate income tax allows employers to deduct their contributions into employees’ Health Savings Accounts.
HSAs let individuals set aside money before taxes to help pay future medical bills. HSAs may be contributed to by employees as well as employers. However, the limit is set each year by Congress in order to adjust it to inflation.
The money in an HSA grows tax deferred, and any withdrawals made to cover qualified medical expenses are tax-free.
Eligibility for HSA
To participate in a HSA and to receive pretax employer contributions, employees need to enroll in a High Deductible Health Plan (HDHP).
According to the IRS, a high deductible plan is one that has a minimum $1,500 deductible for individuals or $3,000 deductible for families.
Total annual HDHP out-ofpocket costs (including copayments, deductibles, and other coinsurances) cannot be higher than $7500 for individuals or $15,000. The limit is not applicable to outside-network providers. ).
How can I combine HSAs and health sharing plans?
At present, there is only one plan that allows employees to contribute pre-tax money into a Health Savings Account: the HSA Secure Plan. It’s available via HSA For America.
HSA SECURE Plan offers a great way to combine tax advantages and savings on healthcare with health sharing.
To be eligible for this plan, employees must have self-employment or business ownership income.
HSA SECURE does not apply to W-2 employees. HSA SECURE is a good option for employees or spouses who have a small business or freelance job, as well as side jobs, but are otherwise healthy and do not need to be treated regularly.
As a small-business owner, you may want to consider the HSA Plan SECURE as an option that can save both your and partners money.
HSA SECURE is only available to employees who enroll on their own. If they already have an HSA established, then you can still make pretax contributions on their behalf up to the limit Congress sets each year.
HSA-SECURE can be found by clicking this link.
How Are Kansas Small Business Health Insurance Benefits Taxed?
Now that you know a bit about each of the alternative strategies available to small employers in addition to traditional health insurance, below is a quick table which explains each benefit’s taxation.
Plan Type Employer Workers
Traditional health insurance premiums Tax deductible. May qualify for a tax credit (see below) Non-taxable
HSA contributions Tax deductible
Pre-tax, up to certain limits. No income limitations.
Health sharing costs Tax deductible as a compensation expense Taxable as ordinary W-2 income
Health reimbursement arrangements Tax deductible Benefits are non-taxable to the employee
HSA withdrawals N/A
Withdrawals for qualified medical expenses are tax-free. Otherwise taxable as ordinary income.
A 20% penalty for non-qualified withdrawals applies up until age 65.
Direct primary care costs
Tax deductible as a compensation expense Taxable to the employee
Kansas Small Business Health Insurance Pyramid
As shown in the below diagram, a good package of employee benefits should cover all of the levels of the Employee Healthcare Pyramid. This includes routine preventive healthcare, primary care access, early detection of problems and maintenance, right through to catastrophic incidents.
You will find a list of common solutions based on traditional insurance that can be used to address the different levels of the Care Pyramid, on the left side of this diagram.
While you will find a list of more affordable alternatives to offer meaningful protection at every level of Pyramid, on the right side of this diagram.
Plan design that is good will offer employees affordable solutions on each of these levels. The plan should ensure that none of the employees are forced to postpone or skip care simply because they don’t want to pay a higher premium or copay.
Your Personal Benefits Coordinator can create for you a unique plan which provides benefits at all levels of Care Pyramid. It is often priced at less than a traditional employer group plan.
Kansas Small Business Health Insurance Pyramid Tax Credit
Small Business Health Care Tax Credit passed together with the ACA permits some small businesses to get a credit federal up to 50 % of their costs of health insurance for employees.
It is aimed at small companies with fewer than 25 staff members who often hire low-wage employees.
For-profit as well as non-profit organizations can both claim credit.
* Employ fewer than 25 people and pay an average salary of $53,000 (excluding the salaries for all business owners). Owners are generally not considered when calculating the average salary and number of employees for a business. The number of employees are also based on the “full-time equals”. Two half-time workers would be equal to one full-time worker.
* Paying at least 50% of employee premiums;
Offer coverage that meets the requirements of the Affordable Care Act on the state exchange. In Kansas, this is healthcare.gov (the federal website for online insurance marketplaces).
Once an employer has 25, employees, or if the average salary is $53,000 or more
What is the process for claiming credit?
If you are a small business that is tax exempt, then the IRS Forms 990-T must be filed to receive this credit.
The contributions that you make to their insurance are tax-free.
What if I do not owe any tax this year? Do I have to pay taxes?
Yes. This credit can either be carried back to offset tax obligations incurred during the previous tax year, or carried forward for the remainder of the 20-year period.
You can get a refund if you have a tax-exempt company.
Contact your tax advisor to learn more about the Small Business Health Care Tax Credit.
Combine Kansas Small Business Health Insurance Strategies
Combining programs to increase your insurance coverage can be smart.
Many employers have found that they can reduce their costs by offering a combination of different healthcare plans, while still providing full coverage to employees.
One cost-effective approach is to combine a Direct Primary Care plan (DPC) that provides normal primary health care with an affordable health-sharing program covering catastrophic occurrences.
This alternative to traditional group health insurance can prove more cost effective for either your employer or employees.
Employees can be given more options and lower costs by allowing them to choose between a Health Sharing Plan or an Individual Health Insurance plan. They may also have the option of funding a Health Savings Account for HDHP plans that qualify for HSAs.
What Should You Do Now?
The most effective course of action would be to conduct an employee health survey. You can contact us, for a complimentary analysis and business plan recommendation.
An experienced HSA for America persona benefits manager can be assigned to your account. He or she will look at your employee’s ability to pay and discuss any other pre-existing health conditions.
Several of our PBMs themselves are entrepreneurs who have had great success. Since they have been business owners, our PBMs know how important it is to hire and retain talent that will help your company remain competitive.
Can I Offer Health Insurance and Health sharing at the same time?
If you offer both, employees can choose the one that suits them best.
You may fall short of the required minimum rate of participation if you have too few employees participating in a health plan. However, an HRA can be used to reimburse your employees’ individual health insurance costs, which are close to each other.
Frequently Asked Questions About Kansas Small Business Health Insurance
The difference between Health Sharing and Insurance for Small Business
While health insurance plans are offered by traditional insurers, health sharing involves members pooling funds in order to cover their medical expenses.
In Kansas, can employers make contributions to the HSAs of their employees?
Employers can contribute to HSAs of their employees, but only up to the annual limit set by Congress.
What are the benefits of offering Direct Primary Care Plans (DPCs) alongside other plans for Kansas’ small businesses?
Combining DPC coverage with other low-cost plans, such as Health Sharing Plans, can offer comprehensive and cost-effective healthcare solutions to small businesses.
Does a Kansas-based business that does not have any tax debts be able to claim the Small Business Health Care Tax Credit for their small businesses?
Even if the business does not owe any taxes for a given year, it can still carry back the Small Business Health Care Tax Credit to offset the income tax liability of the previous year.
In Kansas, are maternity benefits included in health sharing plans?
Kansas’ health sharing plans and policies often include coverage for prenatal and postnatal health care. Some health sharing plans, however, may restrict cost-sharing for children born out of wedlock.
What exactly is a Health Reimbursement Plan (HRA) and how does it work?
HRAs are employer-funded accounts that reimburse employees for medical costs not covered by insurance. Employers decide what medical expenses qualify and then contribute money accordingly.
HRAs can be combined with other options for coverage, such as health sharing plans and individual health insurance policies.
HRAs are compatible with other insurance options. HRAs can be used to reimburse employee premiums on individual policies. HRA funds cannot be used directly to reimburse employees for the costs of health sharing plans.
What are the waiting periods in health sharing plans for conditions that pre exist?
There may be a waiting period for certain health sharing plans before the coverage is provided. You should review plan guidelines or contact a Personal Benefits manager for additional information.
Health Savings Accounts can be used to help Kansas employers manage the medical costs of their employees.
HSAs let individuals set money aside for future medical bills before tax. Contributions from both employers and employees may provide tax savings and help reduce healthcare expenses.
In Kansas, can employer contributions to HSAs be claimed as a deduction from the state’s income tax?
Yes. In Kansas, employer contributions to employee HSAs can be deducted from the state’s income tax.
How can I get the Small Business Health Care Tax Credit (SBHCTC)?
Tax credit claims can be made on Form 8941 of the IRS for businesses that are for profit, but small tax exempt businesses need to submit Form 990-T.
HSA for America cannot provide you with tax advice. Employers can consult a tax adviser for more details about how to apply the credit.
Do these programs have any restrictions regarding the size of small companies eligible in Kansas to apply?
QSEHRAs (Qualified Small-Employer Health Reimbursement Arrangements) are available exclusively to employers with fewer that 50 employees. Other HRAs are available if the company you work for has 50 or more employees.
Your employees will have to be covered by a qualified insurance plan under the ACA or you’ll face a penalty. Consult your Personal Benefits Specialist if, within the near term, you will be hiring the 50th worker full-time or its equivalent. The plan may change.
Which health insurance options and cost sharing plans are best for my Kansas small business?
It’s not worth it to go at it alone. Consult a Personal benefits manager to conduct an analysis and make recommendations that are based upon your needs, your budget, the employee population, and other factors. The Personal Benefits Manager can design a plan to maximize value while controlling cost and keeping you competitive.
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