In Kansas, enrolling in a health insurance plan is easy. Visit www.HealthCare.gov for a list of available coverages and rates on the federally run Affordable Care Act-compliant marketplace.
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How to Buy Health Insurance in Kansas
Individuals without health insurance from an employer in Kansas can obtain coverage on the federal marketplace. Health insurance plans come in the metal tiers: Bronze, Silver, and Gold.
Depending on your desired coverage level, your premiums and deductibles will vary. Low-income residents may qualify for a subsidy, tax credit, or Medicaid. Typically, Bronze tier plans have the lowest premiums and highest deductibles. Gold plans have lower deductibles but higher premiums.
How to Apply for Health Insurance in Kansas
You can obtain health insurance in Kansas by visiting the federal exchange. After entering your information, you can browse a list of available plans by price or tier level.
Health Insurance Carriers In Kansas
Kansas has five health insurance companies offering coverage via the state marketplace:
- Blue Cross Blue Shield of Kansas
- Medica
- Sunflower State Health Plan/Ambetter from Sunflower Health (Centene)
- Oscar
- Cigna
Kansas Health Insurance Costs Overview
As 2023 data is not yet available, we have used statistics from 2022 to reflect costs so you can have an idea of what to expect. Current data shows that 2023 premiums will rise by 4 percent for a 27-year-old for a silver benchmark marketplace plan sold through HealthCare.gov.
Kansas has three primary health insurance metal tiers: Bronze, Silver, and Gold.
How Much Does Health Insurance Cost in Kansas?
According to the KFF, the average benchmark premium in Kansas has been around $513 per month in 2025.
What is the Cheapest Health Insurance Plan in Kansas?
The cheapest health insurance plan is the one that suits your needs the most. Contact us today to find the plan for you!
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Cheapest Kansas Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Kansas in 2025 was $518.
Silver Plans
The average lowest cost premium of a Silver Plan in Kansas in 2o25 was $508.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $395.
Other Types of Kansas Health Insurance Coverage
Catastrophic, Short-Term, and Medicaid are other types of health insurance coverage available in Kansas.
Catastrophic Health Insurance in Kansas
You may qualify for Catastrophic Health Insurance in Kansas if you are under 30 or qualify for a hardship exemption.
Short Term Health Insurance in Kansas
You can purchase Short-Term Health Insurance in Kansas for up to one year and renew coverage for an additional 12 months.
Low Income Health Insurance in Kansas
Eligible, low-income residents in Kansas can obtain Medicaid at Benefits.gov.
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Sources:
Marketplace Average Benchmark Premiums, KFF, accessed 11/1/2024, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2025, KFF, accessed 11/1//2024, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D