Can a Minister Obtain Health Insurance as Self-Employed

If a minister is considered to have dual status of "employee" for federal income tax purposes and "self-employed" for Social Security and Medicare purposes, can the minister obtain health insurance independently vs. as an employee of the church, at the lower rate for those who are "self-employed"? Quoted plan premiums for independently obtained health insurance always seem much lower for those who are self-employed.

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Jun 19, 2013
Health Insurance
by: Sandi

At this time the benefit of health insurance is not required for small organizations....

If the church gives this benefit there are many rules to follow and it is best to contact a CPA that works with churches, to make sure the church policy is accurate.

I suggest a "site search" to find more info related to your church size and employees.

The IRS EO site( is the best way to find info in general and you can always call the IRS to get free advice.

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