Kansas Group Health Insurance & Employee Benefit Plans

Kansas business owners may need expert help to find affordable group health insurance and craft an attractive employee benefits plan. If your business needs help, Taylor Benefits is happy to share that we have worked closely with Kansas business owners for many years, and we know the best options for healthcare coverage to meet your employees’ needs. We also understand that you need to stay on budget.

Kansas group health insurance plans

As an independent group insurance agent, we can offer a wide health insurance marketplace for State of Kansas benefits eligible employees and their dependents. Our licensed professionals ensure that our clients have a spectrum of choices. 

Since the enactment of the Affordable Care Act (ACA), it can be difficult to understand what insurance coverage a business owner must provide or if they need to provide coverage at all. We are here to help our Kansas professionals navigate the rules.

To get started with an estimate for a group health insurance plan or other employee benefits, including a retirement plan and other coverage, fill out the form on this page or contact us by phone today.

As an eligible state employee, we can assist with all your healthcare coverage needs including:

  • Group health insurance plans
  • ACA (Affordable Care Act)
  • Disability insurance (short and long-term)
  • Medical, dental, and vision insurance
  • Pension plans
  • Employee benefits & wellness plans
  • Group retirement and 401(k) savings plans
  • Health savings accounts plans (HSA)
  • Group life insurance and long term care
  • Section 125 cafeteria plans
  • Kansas large group health insurance

Kansas Large Group Health Insurance Plans

Under the Affordable Care Act (ACA), any company with more than fifty employees (full-time or the equivalent) must provide health insurance to eligible workers. The coverage must meet the ACA standards of affordability (in most cases, the cost for the employee’s share can’t exceed 9.12 percent of the worker’s income) and coverage. That means if the employee’s pay is $50,000, their share of the premium subsidies must be less than $4,560.

The employer can choose the delivery system, such as a point of service, health maintenance organization, or preferred provider organization. Still, the plan must include these essential benefits:

  1. Ambulatory patient services (outpatient care)
  2. Emergency services
  3. Hospitalization, including surgical and medical
  4. Maternity and newborn care, including delivery
  5. Mental health and substance use disorder services
  6. Prescription drugs
  7. Rehabilitative services and devices
  8. Laboratory services
  9. Preventative and wellness services, including chronic disease management
  10. Pediatric services, including dental plans and vision care for children under the age of 19

Kansas Small Business Health Insurance Plans

Small Kansas companies are not required to offer health insurance to their eligible employees (if they have fifty or fewer). However, if they want to provide coverage as a benefit, the ACA has some resources to help. If they decide to provide medical insurance, they must follow the rules for small businesses. One requirement is for minimum essential coverage, which is the same as the large employers must provide (see above for the components).

The selected insurance must also be available for all workers in the company (not just managers or highly compensated staff). Finally, to receive the Small Business Health Care Tax Credit, the employer must pay at least half of the premium cost for eligible employees. However, they don’t have to pay toward the cost of dependent coverage.

Small business owners should consider seeking guidance from a broker like Taylor Benefits Insurance to evaluate and compare potential plans. Small business group options are sorted into tiers with metal name identifiers to help categorize the value. Bronze plans, for example, have a lower premium but higher costs for service. In contrast, a platinum plan will have the highest premium but a lower price when the subscriber needs to use the coverage. In between are silver and gold.

Kansas Employee Benefits Plans and Employee Benefits Packages

The health insurance marketplace is the most widespread employee benefit, followed by paid time off. Kansas, like most states, does not require any paid time off for employees, although federal law requires up to 24 hours of compensated time off for illness. Many Kensas employees receive paid time on recognized holidays and can accrue hours to use for vacation leave and other purposes.

Some progressive employers in Kansas have switched to a PTO system that combines paid leave into one bucket that workers can use for their individual needs without breaking it into separate categories like vacation, illness, and personal time. So, for example, instead of earning ten hours of vacation time and three hours of sick leave each month for the pay period, the worker could accrue thirteen hours to use for their overall needs (subject to company approval, in most cases.)

Relevant Statistics

  • Over 80% of employers in Kansas offer group health insurance coverage to their employees.
  • Kansas has seen a 15% decrease in the uninsured rate among residents due to the availability of group health insurance.
  • The average premium for group health insurance plans in Kansas is $420 per month per employee.
  • More than 90% of Kansans enrolled in group health insurance have access to preventive care services at no additional cost.
  • Group health insurance plans in Kansas provide coverage for over 60 essential benefits, including mental health services and maternity care.

General Facts

  • Kansas requires employers with more than 50 employees to offer group health insurance.
  • Group health insurance in Kansas provides coverage for a group of individuals, such as employees of a company or members of an organization.
  • The cost of group health insurance in Kansas is typically shared between the employer and the employee.
  • Group health insurance plans in Kansas often offer a range of benefits, including coverage for medical expenses, prescription drugs, and preventive care.
  • Employers in Kansas may have various options when it comes to choosing a group health insurance plan, such as HMOs, PPOs, or self-funded plans.

Kansas Group Health Insurance Coverage & The Affordable Care Act

Finding the right health plan to meet the requirements of the Affordable Care Act (ACA) in Kansas can be a challenging task. When the act was implemented on January 1, 2014, many found it confusing to understand the way costs varied and how monthly premiums and deductibles worked on the exchange.

Taylor Benefits has been able to assist Kansas business owners with options that are compatible with the ACA requirements, and that will be cost-effective for the business itself. We have always offered affordable insurance premiums and deductibles to our clients, and this history made compliance with the ACA easier for us and our clients in Kansas.

Kansas group health benefits and employee insurance plans

The Affordable Care Act (ACA), often referred to as Obamacare, has enabled millions of previously uninsured people to obtain quality healthcare. For those who meet certain qualifications, the government assists with monthly premiums as well as out-of-pocket costs for healthcare services. Best of all, those who have preexisting medical conditions can no longer be turned down for coverage thanks to the ACA.

To start your business on the right path to affordable healthcare coverage for your eligible employees, be sure to fill out the hassle-free form on this page or call to speak to an agent and get your group healthcare plan started.

Frequently Asked Questions About Health Insurance And Employee Benefit Plans in Kansas

If you have concerns about health insurance plans and employee benefits in Kansas, here are a few answers to some common questions:

In Kansas, What Is Considered a Large Group for Health Insurance Plans?

A health insurance plan that covers a group of 50 full-time employees and above is considered a large group health insurance plan. Small businesses and big corporations alike can take advantage of this kind of policy. There is no upper limit to the potential group members. Large group health insurance plans provide the same coverage for all Kansas employees, making them easy to work with and allowing a quick employee enrollment process.

How Do Small Business Group Health Insurance Plans work in Kansas?

A health insurance health plan that covers a group of 50 employees and above is considered a large group health insurance plan. Small businesses and big corporations alike can take advantage of this kind of policy. There is no upper limit to the potential group members. Large group health plans provide the same coverage for all employees, making them easy to work with and allowing quick employee enrollment.

What Benefits do Employers Offer in Kansas?

In addition to salary, benefits are perks offered by an employer to their employees. The most common employee benefits are life insurance, retirement plan, paid leave, disability, medical, short-term health insurance, accidental death and more. However, depending on the company, employers may also offer other perks, including but not limited to vision and dental insurance, short-term health insurance, legal insurance, pet insurance, college debt relief, and other optional benefits.

How Much Does It Cost to Offer Employees Health Insurance?

The cost of employee health insurance coverage varies, with the average premium for family health insurance hitting more than $20,000 annually.  However, the cost of employee health insurance depends on several factors, including the insurance company, the type of health plan, the location of the business, the features, and the employer’s premium contribution.

Written by Todd Taylor

Todd Taylor

Todd Taylor oversees most of the marketing and client administration for the agency with help of an incredible team. Todd is a seasoned benefits insurance broker with over 35 years of industry experience. As the Founder and CEO of Taylor Benefits Insurance Agency, Inc., he provides strategic consultations and high-quality support to ensure his clients’ competitive position in the market.

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