Affordable Care Act (ACA) Plans
For businesses with 2-50 employees
Your small business deserves big protection. Our ACA-compliant plans offer the perfect balance of comprehensive benefits and budget-friendly options that keep you compliant while taking care of your team.
The options you want, paired with the support you need
Options that provide certainty. Options that enhance freedom. Options that empower employees. With Blue KC’s ACA plans, your team gets:
- 100% coverage for in-network preventive care
- All in-network costs (copays, deductibles, and coinsurance) applied to the out-of-pocket maximum
- A range of options to match your company’s unique needs and budget
Our local team is here to guide you through every step, helping identify which benefits will work best for your company, your employees and their families.
Our ACA-compliant plans give you the peace of mind that comes from knowing you’ve made the right choice to protect what matters most—the people who make your business successful.
See what doctors are in your corner
KC is our hometown too, so we understand which hospitals and doctors your employees trust. Our networks include providers who deliver excellent care without the excessive price tag. Before choosing a plan, we’ll make sure your team understands exactly who’s in their network.
- There must be at least one full-time eligible W-2 employee other than the owner to be eligible for a Blue KC small group plan.
- If only two full-time eligible employees, additional documentation is required.
- At least one full-time eligible (enrolled) employee must reside and work in the 32-county Blue KC service area.
- Blue KC does not accept Sole Proprietorships / Owner only groups.
- We can write an owner and spouse group in Kansas. Legal documentation is required of the spouse.
- We cannot write an owner and spouse group in Missouri (considered a group of one).
- Effective dates on the 1st and 15th of every month.
- No deductible credit from Individual to Group. We do provide a deductible prorate depending on which quarter the group is sold (prorate: 1st quarter is 0%, 2nd quarter is 25%, 3rd quarter is 50%, 4th quarter is 75%). With HSA (Saver) plans, there is NO prorate, we only give exact credit met from prior carriers (prior coverage must be GROUP coverage).
- For businesses established in Missouri, a spouse or child under age 18 of an owner is not considered an employee, even if he or she is paid as a W-2 employee.
- For businesses established in Kansas, a spouse or child under age 18 paid as a W-2 employee is considered an eligible employee, which satisfies the new guidelines.
- Kansas and Missouri Sole Proprietorships (owner only) – Cannot write
- Missouri owner + spouse group – Cannot write (considered group of one)
- Kansas owner + spouse group – Require documentation on spouse
- Kansas and Missouri owner + 1 groups – Require documentation on non-owner employee
- Kansas and Missouri groups submitted with 3 or more full-time EEs – No documentation required