Husband and Wife as Co-Sole Proprietors Partners:
Presently... It seems that only Kaiser & CIGNA will allow Husband and Wife as Co Sole Proprietors. That is, without at least one employee/owner being on the DE 6 or 9. Please be sure to read our introduction page on proofs required.
We are NOT qualified to suggest how you structure your business, but why not do a Partnership Agreement and qualify that way?
 
If you're married and you and your spouse jointly own an unincorporated business and share in the profits and losses, you're both partners in a partnership.
However, in CA there is a Community Property Exception: which permits a husband and wife to be co-sole proprietors. Excerpts from our Wholesaler on Proofs Required, for those Insurance companies that allow the spouse not to be on payroll. Kaiser
 CIGNA
 Health Net
Summary Matrix
Community Property Exception:
If you and your spouse wholly own an unincorporated business as community property under the community property laws of a state, foreign country, or U.S. possession, you can treat the business as either a sole proprietorship or a partnership, whichever you choose.
Community Property States:
- Arizona
- California
- Idaho
- Louisiana
- Nevada
- New Mexico
- Texas
- Washington
- Wisconsin
irs.gov p334
loopholelewy.com
     
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