Paige Cerulli Last Updated On: August 22, 2023

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Find Affordable Health Insurance in Kansas

A health insurance plan can give you the peace of mind of knowing that you’ll be able to get the health care you need, when you need it. A quality plan means you won’t have to worry too much about costs, so you can focus on your health, instead.

But shopping for health insurance can be a challenge. We’ve outlined the details about affordable health insurance in Kansas to help you get started.

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Table of Contents

The Average Cost of Health Insurance in Kansas

The average cost of health insurance in Kansas depends on the level of your plan. You can choose from Bronze, Silver, Gold, and Platinum plans. Bronze plans are the most affordable, but have higher deductibles. Gold plans are more expensive but have lower deductibles.

 Average Premium for Health Insurance in Kansas
Most Affordable Bronze Plan$353
Most Affordable Silver Plan$467
Most Affordable Gold Plan$480


The cost of health insurance plans depends on many factors, including your age, health status, location, and the number of dependents on your plan. You may be able to save money by choosing an employee-sponsored plan. In Kansas, employer-sponsored plans cost an average of $1,458 per year.

Since health insurance costs can vary significantly, getting a personalized quote will give you the most accurate idea of how much you will need to budget for health insurance in Kansas. Contact ConsumerCoverage for a free, personalized quote today.

Types of Kansas Health Insurance Plans

The type of insurance plan that you choose will also impact the costs and the coverage that you receive. While there are many plan types available, we’ve outlined the must-know details of some of the most common types of health insurance in Kansas:

  • Health Maintenance Organization (HMO) plans are popular because of their low premiums and deductibles. If you choose an HMO plan, you will need to have a primary care physician and you must receive care from in-network providers for it to be covered.
  • Preferred Provider Organization (PPO) plans are a bit more flexible. These plans allow you to receive care from out-of-network providers, and you don’t have to declare a primary care physician. PPO plan premium and deductibles tend to be higher than HMO plans.
  • Exclusive Provider Organization (EPO) plans have lower premiums and deductibles, but you will need to receive care from in-network providers. You aren’t required to have a primary care physician with an EPO.

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Cheap Health Insurance in Kansas

Low-income families may be eligible for coverage through several Kansas state health insurance plans.

Kansas Medicaid

KanCare, the Kansas Medicaid program, offers coverage to children and the parents or guardians of children under age 19. Coverage is also available for people with certain medical conditions and pays for prescription drugs, medical services, mental health services, and more.

Eligibility for KanCare is based on your income and household size. A single person is eligible if they earn up to $18,075 per year. Households of two must earn $24,353 per year or less, and households of three may earn up to $30,630 per year.

MediKan

Kansas also offers MediKan, a short-term health insurance plan available to people who have a physical or mental disability. Coverage is available for up to 12 months, and you must also apply for Social Security disability when you apply for MediKan. MediKan is designed for people who don’t qualify for other state or federal health insurance coverage.

Kansas Medicare is a federal program offered in four different types. Medicare helps to cover healthcare costs like preventative and outpatient services and hospital stays. To be eligible, you must meet one of the criteria:

  • Be age 65 or older
  • Have a disability and receive disability benefits
  • Be in end-stage renal disease

 

How to Get Health Insurance in Kansas

As you shop for health insurance in Kansas, it’s helpful to get and compare multiple quotes. Get your free, fast quote from ConsumerCoverage today to get started. 

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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.

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