2021 Affordable Health Insurance Plans in Kansas 

In Kansas, enrolling in a health insurance plan is easy. Visit HealthCare.gov for a list of available coverages and rates on the federally run Affordable Care Act-compliant marketplace. A special enrollment period in Kansas is open until August 15, 2021.

Highlights and Updates

  • Kansas residents can enroll at HealthCare.gov on the federal marketplace.
  • The special enrollment period runs through August 15, 2021.
  • Short-term health insurance in Kansas is available for up to 12 months.
  • The average monthly benchmark premium for health insurance in Kansas in 2021 is $491.
  • Kansas has five healthcare providers through the state exchange: Blue Cross Blue Shield of Kansas, Medica, Sunflower State Health Plan/Ambetter from Sunflower Health (Centene), Oscar, and Cigna.
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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, and Cigna.

What are the Cheapest Health Insurance Companies in Kansas?

Kansas has five health insurance providers to choose from on the federal exchange.

Some providers are more affordable in specific counties than others. On average, some health insurance premiums in Kansas are 8% cheaper in 2021, while others are 10% more expensive.

How has Obamacare Helped Kansas’s Uninsured?

In 2016, the uninsured rate in Kansas dropped from 12.3% to 8.7%. According to recent estimates, around 76,072 residents are receiving premium subsidies to help lower the cost of coverage.

 Kansas Health Insurance Costs Overview

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 for 2021 is $491.

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What is the Cheapest Health Insurance Plan in Kansas?

In Kansas, the average premium for the Bronze metal tier health insurance in 2021 is $373. For the Silver-tier plan, the average premium is $470, and the Gold plan average is $501.

Cheapest Kansas Health Insurance Coverage by Metal Tier

The average cost of coverage under each metal tier is calculated according to the HealthCare.gov website. This example lists prices for a male age 40 in good health earning $75,000.

Bronze Plans

The Ambetter from Sunflower Health Essential Bronze plan is the most affordable Bronze coverage with a monthly premium of $376. Coverage includes a deductible of $8,300 and an out-of-pocket maximum of $8,300.

Silver Plans

The Ambetter from Sunflower Health Balanced Care Silver plan is the cheapest Silver-tier coverage with monthly premiums of $458. The deductible is $6,500, and the out-of-pocket maximum is $8,400.

Gold Plans

The Blue Cross and Blue Shield of Kansas EPO Gold plan is the most affordable Gold tier coverage costing $494 monthly. The deductible is $1,500, and the out-of-pocket maximum is $4,500.

Kansas Health Insurance Costs by Occupation

Kansas residents without employer-sponsored health insurance, such as the self-employed and early retirees, can get coverage through the federal marketplace.

What is the Average Cost of Health Insurance for a Student in Kansas?

Dependents in Kansas can stay on their parent’s coverage until age 26. Additionally, students can find low-cost comprehensive care through an individual policy.

What is the Average Cost of Health Insurance for the Self-Employed in Kansas?

If you are self-employed in Kansas and have a tax return from 2020, you can sign up for coverage through the federal marketplace.

What is the Average Cost of Health Insurance for Small Business Owners in Kansas?

Small businesses in Kansas with 50 full-time employees or less can get coverage through the SHOP program. The lowest average SHOP premium for a 40-year-old with Silver-tier coverage is $271.

Kansas Health Insurance Costs by Number of Participants

Health insurance premiums in Kansas vary for individuals, families, and children.

What is the Average Cost of Health Insurance for Families in Kansas?

For a non-smoking couple with two young children earning $75,000, the minimum premium payment for Bronze-tier health insurance is $1,204 monthly. Some families are eligible for a tax credit or subsidy that can lower the monthly cost.

What is the Average Cost of Health Insurance for Individuals in Kansas?

The benchmark premium for individual coverage in Kansas across all health insurance tiers is $491. 

What is the Average Cost of Health Insurance for a Child in Kansas?

Kancare (SCHIP) offers affordable coverage for children of low-income parents in Kansas.

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 or Temporary 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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