Health insurance for business owners
Health Insurance for LLC and S Corp Owners
If you own an LLC or an S corporation, Champion’s Pride Insurance Services can look at a small group health plan through your business with you. We collect one census, request quotes from those of our 29 carriers that write small groups in your state, and show them side by side. Whether an owner can be covered through a small group depends on the state’s rules, which we lay out below. We work by phone or video.
CPIS at a glance
Carriers we quote across
29
Employer benefits brokerage since
1997
We meet owners by
Phone or video
Who this is for
An Owner Who Needs Coverage
This page is for the owner of an LLC or an S corporation who needs health insurance for themselves and perhaps a spouse. You may have employees, or you may not. Either way, the first question is how your state defines a small employer and who counts as an eligible employee.
Those two definitions decide whether an owner can be covered through a small group. This page explains the question. It does not decide it for you.
You might be
- An owner with employees who wants a group plan for the team and for yourself
- An owner with a small team and no health plan today
- An owner with no employees, asking whether a group plan is possible
Your options
Two Routes to Health Insurance as an Owner
A small group plan through your business
The business sets up a group plan with a carrier, and the people who are eligible under the state’s rules can enroll. Whether you can be on it depends on your state’s definitions of a small employer and an eligible employee. This is the route CPIS works on. We collect a census, request quotes from those of our 29 carriers that write small groups in your state, and build a side-by-side.
The other route is an individual plan bought outside the business, which is not CPIS’s focus.
State definitions
How Three States Define the Terms
Sources: Idaho Department of Insurance, Group Health Insurance; Kansas statutes K.S.A. 40-2209d and 40-2209p; Missouri Department of Commerce and Insurance Bulletin 15-04. Rules can change, so confirm the details with us before you rely on them.
Idaho
Idaho calls a business small when it has 2 to 50 eligible employees and most of them work in Idaho. Eligibility starts at 30 hours a week, or 20 hours by agreement.
More detail: group health insurance in Idaho.
Kansas
Kansas sets the range at 2 to 50 eligible employees, measured on at least half of the working days in the prior year, with most of them employed in Kansas. A normal work week of 30 hours or more makes someone eligible. Sole proprietors, partners and independent contractors are counted only when the plan covers them.
More detail: group health insurance in Kansas.
Missouri
Missouri looks at the average over the prior calendar year, which must be at least 2 and no more than 50 eligible employees, and the business needs at least 2 employees on the first day of the plan year.
More detail: group health insurance in Missouri.
In all three states the definition starts at 2 eligible employees, so an owner with no employees should not assume a group plan is possible. Call and we will check your state.
Two questions settle it for any owner: how many eligible employees does the business have, and does the owner count as one? Your state’s definition answers both.
S corp owners: how your coverage is treated for tax is a question for your accountant.
Before you call
Questions to Settle First
- Which state the business is in
- How many people work for the business, and how many hours each one works in a week
- Whether anyone besides you would be on the plan
- Whether you want coverage for family members too
You do not need every answer to call. A CPIS benefits specialist can start with the ones you have.
What CPIS does
What CPIS Does for an Owner
CPIS is an employer benefits brokerage that has worked with employers since 1997, and for an owner the steps are the same as for any employer. They are set out on our group health insurance page.
Owners can reach us by phone, Google Meet or Zoom from anywhere, and Missouri owners can also meet us in person.
Rules by state
State Pages and the Team
Each state page covers that state’s small group rules in more depth: Idaho, Kansas and Missouri. Our Areas We Serve page lists more of the places we work.
Tim Williams founded Champion’s Pride in 1997 and is its president. Meet the team.
Ready when you are
What Happens When You Call
Call Monday through Friday between 8 AM and 8 PM and a CPIS benefits specialist will talk with you by phone or video. Share your state, the kind of business you own and who works there, and the specialist will explain what we need before quotes can start.
Want to read first? See group health insurance for small businesses, what a small business benefits package includes, or the team.
Have these ready
- Your state
- Your employee count and their weekly hours
- Whether you want family members covered