Compare individual and family health plans from top insurance companies at the lowest available cost.
Kansas health insurance plans
Compare individual and family health plans from top insurance companies at the lowest available cost.
Need health insurance in Kansas? eHealth makes shopping easy.
Navigating Kansas health insurance plans
Finding the right health insurance plan in Kansas can be overwhelming. Whether you’re an individual looking for comprehensive coverage or a family seeking a plan to fit everyone’s needs, it’s important to consider factors such as:
Coverage needs
Evaluate what types of medical services you or your family use most frequently. Do you need regular doctor visits, specialist care, or prescription medications?
Budget
Look at both premiums and out-of-pocket costs. Sometimes a plan with a higher premium may save you money overall if you frequently use healthcare services.
Provider network
Ensure your preferred doctors and hospitals are included in the plan’s network to avoid higher out-of-network costs.
Additional benefits
Some plans offer extra perks, like wellness programs, telemedicine, or mental health services, which could be valuable to you or your family’s overall health.
Find health insurance plans for every stage of life
Health insurance
Health insurance exists to protect you from substantial medical costs. Each plan is an agreement between you and the health insurance company about the services they will cover, how much you will pay, and how much they will pay.
Can cover everything from routine cleanings and fillings to more comprehensive procedures, usually at a low premium. May cover annual eye exams and/or reduce the cost of contact lenses or glasses.
When you buy an insurance policy, you will pay a premium payment monthly or annually. In exchange for that premium, your insurance provider agrees to cover a portion of your healthcare bills as outlined in your plan policy. You are still responsible for some costs, like deductibles and copays. Here are descriptions of those costs and what you should expect.
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Plus, get expert tips for choosing the right health plan.
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Frequently asked questions
Kansas defers to the federal Affordable Care Act (ACA) as the authority for health insurance coverage requirements applicable to all U.S. citizens. The ACA no longer requires all individuals to have a minimum level of health coverage. That being said, health insurance can help prevent excessive medical expenses.
Kansas residents can purchase health insurance from the federal exchange, a private insurer or a licensed health insurance broker like eHealth during open enrollment. If you’ve missed open enrollment, Kansas residents can purchase a short-term plan or they may qualify for a special enrollment period that would allow them to enroll in a standard plan.
Kansas residents can expect to pay an average of $574.11 per person for an individual health insurance plan. This is the average monthly premium price of a plan available from eHealth in Kansas, but actual prices available depend on zip code, age, gender, plan metal level, and other factors. Get a personalized quote to see what may be available for you.
Kansas does not have its own health insurance marketplace, which leaves Kansans to turn towards the federally-managed health insurance exchange called HealthCare.gov or a licensed health insurance broker like eHealth. Through these platforms, you can browse through a selection of individual and family health insurance plans.
You can typically enroll in an ACA-compliant plan for Kansas health insurance during November 1 – January 15. This enrollment period comes directly from HealthCare.gov, which is the federally-run health insurance exchange that is used by Kansans. During this period, anyone can sign up for a new health insurance plan or make changes to their existing health insurance plan. If you are unable to enroll during this outlined period, you can still get health insurance through a special enrollment period. Alternatively, you may be able to secure short-term health insurance to hold you over until the open enrollment period begins.
KanCare is the Kansas state health insurance program. Also known as Medicaid, KanCare offers integrated care to hundreds of thousands of individuals across the state using managed care organizations to coordinate health care for all Medicaid recipients.
There are three KanCare plans available, and members can change their plan during open enrollment each year.
Yes, KanCare is the same as Medicaid. However, it’s a new and improved version of the state’s old Medicaid system, offering more comprehensive and managed care to its members. KanCare is a fee-for-service model with health plans available through Aetna Better Health of Kansas, Sunflower State Health Plan, and UnitedHealthcare Community Plan of Kansas.
As a member of KanCare, you may be responsible for coinsurance costs, but the state directly pays the provider for medical services.
Under the Affordable Care Act (ACA), Kansas did not expand the Medicaid program to offer health insurance to more low-income individuals and families. However, the ACA introduced the healthcare marketplace where individuals can find affordable health insurance online. The state of Kansas uses the federally run health insurance marketplace Healthcare.gov.
The ACA still made health insurance more accessible to Kansas residents, especially those who don’t qualify for Medicaid, by offering cost-sharing subsidies that reduce their out-of-pocket costs and tax credits that reduce how much they pay on a monthly basis just to have Kansas health insurance.
In addition, there’s no longer any penalty for not having health insurance at the federal or state level. Kansas residents aren’t required to maintain health insurance to avoid a penalty when they pay taxes.
Medicare supplemental health insurance in Kansas is available for individuals over the age of 65 or those between the ages of 19 and 64 with disabilities or some health conditions. Medicare Supplement plans, also known as Medigap, help cover the costs associated with out-of-pocket costs, deductibles, copayments, and coinsurance associated with Medicare coverage.
You can purchase supplemental health insurance from private insurance companies at any time. However, your application will be denied based on pre-existing health conditions. During open enrollment, they can’t deny your application or charge you more for existing medical problems.
There are several Medigap plans available to choose from if you find that you need additional coverage. You can contact insurance companies directly to learn more about their offerings, but what’s most important is that your supplemental health plan uses the same letter as your Medicare plan.
There are many Kansas health insurance resources available where you can find more information about certain health plans and options. Some of these health insurance resources are:
Senior Health Insurance Counseling for Kansas (SHICK): This is a free program that provides counseling from trained volunteers to help you learn more about Medicare and its coverage options. Kansas Department of Health: This is the state health department’s website, where you can learn about different types of health care coverage, including KanCare.
Insurance providers that currently offer health insurance in Kansas include Ambetter, Blue Cross Blue Shield of Kansas, Cigna, Medica, Oscar, and United Healthcare. You can find each of these Kansas health insurance providers and their plans on the health insurance marketplace.
Remember, when shopping for the best health insurance in Kansas, you should consider your budget and health needs. Plan costs vary by health insurance provider, plan tier, plan type, and personal health information.
Yes, free health insurance is available in Kansas for individuals and families who meet certain income and eligibility criteria, primarily through Medicaid (KanCare) and the Children’s Health Insurance Program (CHIP). These programs provide comprehensive health coverage at no or low cost to eligible participants, including children,
In Kansas, short-term health insurance is limited to an initial term of up to 12 months and can be renewed for a total of 36 months. These plans often exclude pre-existing conditions and may not cover the full range of health services compared to ACA-compliant plans. Renewal policies and coverage scope can vary, and these plans are not required to cover essential health benefits as defined by the ACA.
Kansas health insurance costs are generally in line with the national average, although they can vary based on specific regions within the state and the type of plan.
