Health Insurance Plans for Husband and Wife Businesses in Lawrence, Kansas

Expert Coverage Solutions from My Private Health Insurance

If you and your spouse run a small business together in Lawrence, Kansas, you’re not alone—and you’re also in a great position to take advantage of flexible, affordable health insurance options. At My Private Health Insurance, we specialize in helping husband-and-wife business owners find customized health insurance plans that provide excellent coverage, nationwide access, and financial peace of mind.

In this article, we’ll walk you through your best options, eligibility requirements, and how to get the right plan without overpaying or settling for limited marketplace offerings.

Why Health Insurance Is Different for Husband and Wife Businesses

Running a business with your spouse comes with unique challenges—and unique benefits. When it comes to health insurance, you may qualify for group health insurance, even if it’s just the two of you. That means you don’t have to rely solely on the individual marketplace, which often comes with higher premiums, fewer options, and more limitations.

Husband-and-wife businesses in Kansas can often qualify for private PPO plans, group plans, or self-employed health insurance plans that offer more value and flexibility.

Can a Husband and Wife Qualify for Group Health Insurance?

Yes—and here’s the key: to qualify for group health insurance in Kansas, you must both be actively working in the business, and the business must be structured properly. Here’s how you may qualify:

☑️You are both W-2 employees of an S-Corp or C-Corp

☑️The business is registered and operating as a legal entity (LLC, S-Corp, etc.)

☑️You can show business income, payroll records, or documentation showing shared responsibilities

☑️You are not simply filing jointly as self-employed partners on a Schedule C (this usually doesn’t qualify for group coverage)

At My Private Health Insurance, we help husband-and-wife teams structure their business in a way that meets the requirements for private and group PPO plans—often with better benefits than individual marketplace options.

Best Health Insurance Options for Husband and Wife Businesses in Lawrence, Kansas

Here are the top plan types we offer for dual-owner businesses like yours:

1. Private PPO Health Insurance Plans

Private PPOs offer nationwide coverage, including access to top providers and hospitals outside of Kansas. These plans are ideal if:

• You travel often or want out-of-state coverage
• You want to choose your own doctors without referrals
• You need access to specialists or mental health support
• You want low deductibles and strong out-of-pocket maximums

Private PPOs are not available on the ACA marketplace and must be obtained through a broker like My Private Health Insurance.

2. Small Group Health Insurance Plans

If you meet the group requirements, even a business with just two employees (you and your spouse) can access small group health insurance plans. These come with several benefits:

• Possible tax deductions for the business
• Lower premiums than individual plans
• Can include dental, vision, and other employee benefits
• Better coverage for families or children you may want to include

In Kansas, small group health insurance can be offered year-round—not just during open enrollment—making it easier to start coverage when it works for you.

3. Health Reimbursement Arrangements (HRAs)

For husband-and-wife businesses that don’t qualify for group plans, HRAs are a great alternative. These allow your business to reimburse you both for individual health insurance premiums and medical expenses—tax-free. This can be a smart way to manage healthcare costs while maintaining flexibility.

4. Self-Employed or Individual Plans

If you’re not structured to qualify for group plans, don’t worry. There are excellent self-employed plans designed specifically for small business owners and 1099 workers in Kansas. These plans often include:

• Custom PPO networks
• Affordable monthly premiums
• Telehealth, preventative care, and wellness benefits
• Deductibles that can be tailored to your budget

We work with top-rated carriers to ensure you get the best coverage for your unique needs.

Health Insurance in Lawrence, Kansas: What to Expect

Lawrence is a growing hub for small businesses and entrepreneurs. With access to local healthcare providers like LMH Health, The University of Kansas Health System, and private specialists in nearby Kansas City, having a plan with PPO flexibility is especially important.

At My Private Health Insurance, we make sure your plan fits the Lawrence healthcare landscape, giving you access to:

• Major hospital networks
• Your preferred primary care physician or specialist
• Virtual care for convenience

We also help you understand Kansas-specific rules, including:

• State small group insurance guidelines
• Local carriers that provide the best networks
• Tax credits and deductions available for Kansas-based businesses
• Benefits of Working with My Private Health Insurance

Unlike one-size-fits-all platforms or marketplace providers, we offer personalized guidance to ensure you’re making the best financial and healthcare decisions for your business and your marriage.

Here’s what sets us apart:

✔️One-on-one service from experienced brokers

✔️Access to private health insurance plans not found on Healthcare.gov

✔️Help with business structuring to qualify for group coverage

✔️Fast, no-pressure consultations to compare plan options

✔️Assistance with paperwork, enrollment, and renewals

We make it simple, whether you’re starting a new business or just tired of overpaying for weak coverage.

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 Lawrence, Kansas.

📍Serving Lawrence, Kansas and surrounding areas including:

Topeka, Olathe, Kansas City, Wichita, Overland Park, Baldwin City, Eudora