This paper presents the design and analysis of a multiple-input-multiple-output (MIMO) textile antenna for wireless body area network (WBAN) applications. The MIMO antenna is comprised of four identical modified rhombus-shaped monopole antenna elements backed with a frequency selective surface (FSS) to improve gain and to reduce specific absorption rate (SAR). The antenna has an impedance bandwidth (S11 ≤ -10 dB) of 8.8 GHz (2.8-11.6 GHz) and isolation of >19 dB between the resonating elements. In order to assess the MIMO antenna's flexibility, the bending analysis is performed for various bending radii. The obtained diversity metrics are: Envelope correlation coefficient (ECC) < 0.5 dB, diversity gain (DG) < 10 dB, channel capacity loss (CCL) < 0.4 bits/s/Hz, and total active reflection coefficient (TARC) < -10 dB. The antenna's performance with and without FSS is evaluated for SAR investigation. The SAR values are reduced from 6.99 Watt/Kg to 0.0273 Watt/Kg with the aid of FSS. A peak gain of 8.08 dBi and maximum efficiency of 96 % are obtained with the FSS. The designed antenna is suitable for smart textile applications due to its low SAR, high gain, and wider impedance bandwidth.