QUALIFYING FOR CHAMBER BLUE HEALTH PLAN

Please take time to review the following information, which will help you determine whether your organization qualifies for the new Chamber Blue association healthcare plan (AHP) to be offered for Chamber members via Blue Cross Blue Shield of Kansas.

• Does the business have at least one full-time, W-2 employee who is not the business owner, the business owner’s spouse, or the business owner’s dependent child?

  • If YES — they are eligible to enroll through the AHP, if the W-2 employee is enrolling.
  • If NO — move to the next bullet point.

• Is the business structured as, and filing taxes as, an S-Corporation or C-Corporation?

  • If YES — they are eligible to enroll through the AHP, regardless of whether they have a W-2 employee outside of the owner, owner’s spouse, or owner’s dependent child.
  • If NO — move to the next bullet point.

• Is the business structured as, and filing taxes as, an LLC?

  • If YES — move to the next bullet point to confirm eligibility. Some LLCs will be eligible and some will not.
  • If NO — jump to the “Sole Proprietor” bullet point below.

• Is the LLC set up as a partnership between two or more people?

  • If YES — they are eligible to enroll through the AHP.
  • If NO — and they do not have an additional W-2 employee outside of the owner, owner’s spouse, or owner’s dependent child — they are not eligible to enroll through the AHP.

• Sole Proprietors (filing taxes under their SSN) will not be eligible.

  • If a Sole Proprietor indicates they do have at least one W-2 employee on payroll, they may consider themselves a Sole Proprietor–but more likely than not, their taxes are being filed as an S-Corporation or C-Corporation. Sometimes this is a common misunderstanding between a business and their tax accountant.
    • Refer them back to their tax accountant to confirm.
      • If they are filing taxes as an S-Corporation or a C-Corporation, they are eligible to enroll through the AHP — if the W-2 employee will be enrolling.
      • If they are truly filing taxes as a Sole Proprietor, they would not be eligible through the AHP.

Still have questions? Contact us here at the Chamber at 620-342-1600 or email us at chamber@emporiakschamber.org.