Affordable Health Insurance in Kansas

Be Prepared with the most Suitable Health Coverage for Future, Because you Never Know it

Best Health Insurance Plans Kansas

In Kansas state health insurance is provided through, a state run health insurance exchange. 15 December is the last day for the open enrollment for 2019 coverage. However, for people with qualifying events, enrollments can be done even after.

In the state, short term health insurance plans are available with initial plan terms up to 12 months. As of now, three reputed insurance carriers are providing 2019 coverage through the Kansas exchange. In 2018, about 98,000 Kansas residents opted for the coverage through the state exchange. Kansas is yet to opt for Medicaid expansions, and short term short-term health insurance plans in the state are limited to 12 months with one renewal.

Top Health Insurance plan in Kansas

  • Medica

    Select by Medica Catastrophic

    premium $240.01/mo

    Deductible $8550/yr

    Insurance Type EPO
    HSA Eligible No
  • Oscar Insurance Company

    Oscar Secure (Free 24/7 Virtual Visits + Free Personal Care Team)

    premium $258.05/mo

    Deductible $8550/yr

    Insurance Type EPO
    HSA Eligible No
  • Oscar Insurance Company

    Oscar Bronze Classic PCP Copay ($3 Prescription List + Free 24/7 Virtual Visits + Free Personal Care Team)

    premium $305.07/mo

    Deductible $6000/yr

    Insurance Type EPO
    HSA Eligible No
  • Blue Cross and Blue Shield of Kansas City

    Blue KC Spira Care BlueSelect 7300 ($0 Cost Share Office Visits, Labs & X-Rays at Spira Care Centers; Telehealth: $0 Copay Primary Care Office Visit & Behavioral Health Therapy; $0 Preventive Care)

    premium $308.44/mo

    Deductible $7300/yr

    Insurance Type EPO
    HSA Eligible No
  • Ambetter from Sunflower Health Plan

    Ambetter Essential Care 1 (2021)

    premium $308.84/mo

    Deductible $8300/yr

    Insurance Type HMO
    HSA Eligible No

The Kansas health insurance marketplace:

Unfortunately, Kansas is one among those states in the US that haven’t yet expanded Medicaid facilities under the Affordable Care Act. Unlike many states in the country, Kansas uses the marketplace plan management model. Open enrollment for 2019 coverage is going to end on December 15. Once the enrollment reaches its deadline, Kansans will not be able to select a new plan.

As per the federal approvals given, following average rate increases have been approved for Kansas exchange carriers for 2019:

  • Blue Cross Blue Shield of Kansas: 8.28 percent
  • Sunflower/Ambetter: 2.68 percent
  • Medica: 4.3 percent

Kansas and Medicaid Expansion:

Medicaid expansion was one of primary mechanisms in the ACA aimed at reducing the uninsured rate. But Kansas is among the states that have not yet expanded Medicaid under the ACA.

The Medicaid doesn’t available to the non-disabled adults without dependent children. Similarly, adults with dependent children are eligible only if their total accumulated household income is under 33 percent of the federal poverty level. In Kansas, Medicaid is also known as KanCare.

Medicare Coverage in Kansas:

As per the records available in August 2018, approx. 520,736 Medicare beneficiaries covered in Kansas. The number was amounted to almost 18 percent of the state’s population. Among those enrolled for Medicare, 83% opted for original Medicare, while just 17 percent subscribed Medicare Advantage plans. As of 2015, the amount spent per enrollee for Medicare is amounted to $9,162 in Kansas.

Kansas Health Insurance Plans:

In Kansas, a broad range of health plans are available from leading insurance carriers. You should however choose a plan only after comparing the plans and reading customer reviews. Here is a brief reckoner of various health insurance plans available to buy in Kansas.

Short Term Health Insurance

In Kansas, short term health insurance is also called Term health insurance or Temporary health insurance. The coverage is offered to help beneficiary bridge gaps in his / her health care coverage during times of transition. A short term health insurance plan is handy in many ways. You can apply for the plan within minutes and can apply for another term of coverage if needed.

You can yourself select the length of coverage and may drop your coverage without penalty. In Kansas, short term health insurance is underwritten and provided by Golden Rule Insurance Company. These short term health insurance products have access to a large provider network to serve you with better health.

These plans are a perfect solution for college students or for those waiting for benefits to begin at a new job. If you’re losing coverage following a divorce, you can go for a short term health plan.

Dental Insurance Plans

Dental services in Kansas are meant to help you with your expenses on dental care services and manage a good dental care routine. In the state, dental insurance plans are underwritten by Golden Rule Insurance Company. These plans offer right kind of filling and other dental health coverage.

Dental insurance plans in Kansas are offered by some of the top notch insurance providers in the state. These plans best fit for you and your family’s dental care needs.

Dental Insurance in Kansas is similar to other insurance plans. Here you a certain amount dubbed ‘premium’ to receive dental benefits. These benefits include regular checkups, cleanings, x-rays, and certain services required for your dental care.

Vision Insurance Plans

In Kansas, vision insurance plans are underwritten by Golden Rule Insurance Company. Some renowned insurance providers offer the coverage either as a standalone plan or as a rider to a dental plan since vision insurance plans are not available in the all states as standalone plans.

Standard vision insurance plans in the state offer coverage choices for both glasses and contacts. While subscribing the plan, you have freedom to choose non-network provider.

You have no waiting period at all with the plan. To note, a vision health insurance plan is generally supplemental to other types of medical insurance policies available in the state. The major benefits and coverage that vision insurance includes are annual routine eye exam, eyeglass frames/lenses and contacts and pre-determined discounts on all vision-related expenses etc.

FAQ On Kansas Health Insurance

Individual mandate penalty according to which every individual is required to have health insurance offering minimum essential coverage or pay a penalty is no more applicable in the Kansas state in 2020. The penalty was repealed by the Trump administration at the beginning of the year 2019. Though some of the states still have this penalty, thereby requiring its residents to have minimum essential coverage but Kansas is not one of them. Though, people are advised to have health insurance plans, so they keep themselves and their families protected from the sudden medical emergencies.   

The open enrollment period for 2021 health insurance plans will begin from November 1, 2020, and will end on December 15, 2020. After the open enrollment period, only residents with qualifying life events will only be able to enroll or make changes in their health plans.

The Kansas exchange has the following five health insurance carriers offering coverage for individuals and families:

  • Medica
  • Blue Cross Blue Shield of Kansas
  • Sunflower State Health Plan/Ambetter from Sunflower Health (Centene)
  • Oscar
  • Cigna  
  • Yes, a short-term health plan is available for sale in Kansas. However, the Kansas law limits short-term health plans to be offered for initial terms of not more than twelve months. Above all the state only allows short-term plans to be renewed just once, so the maximum duration for which one can have a short-term plan is two years. Thus, the maximum duration of three years for short-term plans under federal rules does not apply in Kansas.

    The best and cheapest health plan in Kansas will depend upon the individual’s age, health conditions, and health care requirements. However, the cheapest health plan available in Kansas in 2020 is Ambetter Balanced Care 12 having a monthly premium of $418 for a 40-year old person.

    After analyzing different health insurance plans in Kansas by a metal tier, the best and cheapest health plan was determined for each degree of coverage. However, it is not at all necessary that these plans are available in each and every county of Kansas; still, people can check their availability in their specific area. The cheapest health plans in each metal-tier are as follows:

    The cheapest Catastrophic health plan in Kansas is Medica with Healthier You Catastrophic having a monthly premium of $240 for a 40-year old.

    The cheapest Bronze plan is the Ambetter Essential Care 1(2020) plan having a monthly premium of $362 for a 40-year old.

    The cheapest Expanded Bronze plan is Medica with Healthier You Bronze Copay having a monthly premium of $322 for a 40-year old.

    The cheapest Silver plan is Abetter Balanced Care 12 having a monthly premium of $418 for a 40-year old. 

    The cheapest old plan is Medica with healthier You Gold Share having a monthly premium of $423 for a 40-year old.    

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