Health Insurance Plans for Husband and Wife Businesses in Evansville, Indiana

Expert Coverage Solutions from My Private Health Insurance

Running a small business with your spouse in Evansville, Indiana can be both rewarding and challenging. While you’re growing your business together and building a life you love, one major thing you shouldn’t overlook is health insurance. At My Private Health Insurance, we specialize in helping husband-and-wife teams find customized, affordable, and flexible health coverage tailored to their unique business structure.

Whether you’re operating a local shop, offering consulting services, or managing a home-based business, you have several options to protect your health—and your finances. In this article, we’ll break down the best health insurance plans for couples running businesses together in Evansville, the benefits of private and group coverage, and how our brokerage can guide you every step of the way.

Can Husband and Wife Businesses Get Group Health Insurance?

Yes, and that’s great news. In many cases, a husband and wife running a business together can qualify for group health insurance—even with just two people.

Here’s how you might qualify:

✅Your business is legally registered (LLC, S-Corp, etc.)

✅You both actively work in the business

✅You’re both W-2 employees (especially important for S-Corp and C-Corp owners)

✅You can provide documentation of payroll or other business records

If these conditions are met, you may be eligible for small group coverage, which opens up a range of benefits including broader provider networks, better rates, and tax advantages.

Why Group Insurance Might Be Right for You

• Group health insurance for a two-person business has real perks:
• Lower premiums: Group plans often cost less than individual plans with similar coverage
• Tax benefits: Premiums may be tax-deductible for the business
• Comprehensive coverage: Many plans include dental, vision, and preventative services

Year-round enrollment: Unlike individual plans tied to open enrollment, group plans can be started any time of the year

At My Private Health Insurance, we help husband-and-wife businesses in Evansville qualify for and enroll in the best group health insurance options available.

Private PPO Health Plans in Evansville, Indiana

If you don’t qualify for group insurance or prefer more flexibility, private PPO (Preferred Provider Organization) plans are another excellent option. These plans offer nationwide coverage and more provider choices than standard HMO plans.

Benefits of private PPO plans include:

• Freedom to choose your own doctors—no referrals needed
• Coverage while traveling (perfect for business trips or visiting family)
• Lower deductibles than many marketplace plans
• Access to top-rated providers in Evansville and beyond

Evansville has outstanding healthcare facilities like Deaconess Health System and Ascension St. Vincent, and a private PPO plan ensures you have access to these networks and beyond.

Alternatives: HRAs and Self-Employed Health Insurance Plans

If your business structure doesn’t allow you to qualify for group plans, don’t worry—you still have great options.

Health Reimbursement Arrangements (HRAs)

HRAs let your business reimburse you and your spouse for individual health insurance premiums and out-of-pocket costs, all on a tax-free basis. It’s a smart way to manage healthcare expenses without committing to a traditional group plan.

Self-Employed Plans

Self-employed health insurance plans are tailored for entrepreneurs, freelancers, and family-owned businesses. These plans can include:

• PPO networks with broad provider access
• Customizable deductibles and coverage levels
• Telemedicine, preventative care, and wellness programs
• Affordable monthly premiums

At My Private Health Insurance, we work with top-tier carriers to bring you the best self-employed options that match your business lifestyle in Evansville.

Health Insurance in Evansville: What You Need to Know

Evansville is a thriving city with a strong community of small business owners. Whether you’re located in downtown, on the West Side, or across the river in Newburgh, you deserve access to reliable health coverage that meets both your personal and business needs.

Key local providers you’ll want in-network include:

• Deaconess Midtown Hospital
• Ascension St. Vincent Evansville
• Evansville Surgery Center
• St. Mary’s Medical Center

Choosing the right plan ensures you and your spouse have access to trusted care providers throughout the region.

Why Work with My Private Health Insurance?

We’re not just another insurance agency. My Private Health Insurance is a full-service brokerage that puts your business and family first. We understand the specific needs of husband-and-wife businesses and how to navigate Indiana’s insurance regulations to find the best solutions.

Here’s what sets us apart:

✅One-on-one consultations with licensed agents who understand local laws

✅Access to private PPO plans, group plans, and HRAs not available on the ACA marketplace

✅Help with paperwork, business structure review, and plan comparisons

✅No-cost consultations and transparent, pressure-free guidance

Our mission is to make health insurance simple, stress-free, and customized for you.

Common Questions from Husband-and-Wife Business Owners

Can I include my children on our plan?

Yes! Whether you’re enrolling in a group or private plan, you can typically add dependents like children to your coverage.

Do we need to be W-2 employees?

To qualify for group plans, yes. But for private PPO or self-employed plans, that requirement is flexible. We’ll help you figure out the best route based on your business structure.

When can we enroll?

Group plans can often be started at any time of year. Private PPO and self-employed plans may also be available year-round depending on your eligibility. We’ll walk you through the timing.

Ready to Explore Health Insurance for You and Your Spouse?

Running a business with your spouse should come with perks—and great healthcare is one of them. Don’t settle for overpriced individual plans or confusing coverage options. Let My Private Health Insurance help you secure affordable, flexible coverage that fits your business and your life.

📞Call us today or Book your appointment Here to schedule your free health insurance consultation for husband-and-wife businesses in Evansville, Indiana.

📍Serving Evansville, Indiana and surrounding areas including:

Indianapolis, Carmel, Fort Wayne, Bloomington, Newburgh, Haubstadt, Chandler