Knowledge — 2 years ago

Best Health Insurance Companies in Kansas

by Toni S.

Health Insurance Kansas, Kansas Health Insurance

What are the Best Health Insurance Options in Kansas?

Kansas has a federally facilitated exchange marketplace that uses the platform where people can shop for and compare different health care coverage plans offered by companies. The three health insurance companies on the Kansas state exchange are – Medica Insurance Company (accessible in every county), Blue Cross and Blue Shield of Kansas, Inc. (available in most counties) and Sunflower State Health Plan, Inc. (accessible only in Johnson, Wyandotte, Leavenworth and Miami counties). Whether you choose to purchase insurance at the marketplace, directly from a company or through a broker, you will pay the same rate. There isn’t any one best insurance plan. Choosing the most optimum plan to suit your needs depends on criteria like your budget, coverage requirements, policy pricing, and offerings among other factors.

Short term Kansas health insurance plans

The Kansas Statute 40,2 193 regulates these plans, which limits the initial term period to either 6 or 12 months. Term time is based on the policy and is left at the insurer’s discretion. Also, only a one-time renewal is allowed. Some of the advantages that these plans offer are cost related, flexibility and they provide for quick and easy enrollment. Short-term plans usually have lower average premium payments and more benefits. Some individual and family plans can come into effect in 24 hours.

Health Insurance Kansas
For those people that know the term time they require in advance, one-time premium payments might be allowed. Short-term plans cover a range of doctor and clinical services and even surgery in some cases. Certain types of programs might also allow the holder of the policy to select their physician and hospital. However, using providers within the network has its advantages.

One of the main drawbacks of short-term plans is that they do not cover pre-existing conditions. A short cover is not comprehensive and usually does not include mental health, preventative care, maternity, and prescription drugs for hospitalization. So ensure you check the exclusion list of any policy that you contemplate buying. Medica, Blue Cross Blue Shield of Kansas City, National General, HCC Life Insurance Company, Standard Security, United Healthcare (Golden Rule) and Independence American Life offers short term plans in Kansas.

Access to the cheapest health insurance plans is either through the market place or through Medicaid. So far this year, in most of the state, the most affordable health insurance plans have been either Ambetter Balanced Care 4 or BlueCare EPO Simple Silver HDHP. Metal tiers (Gold, Silver, Bronze, Expanded Bronze and Catastrophic) and age are the two major factors that determine how much monthly premium you pay.

Lower metal tiers offer less of a comprehensive cover. You pay a lower premium but might have to shell out more in out-of-pocket expenses like deductibles, coinsurance, and copay. Besides, the premium goes up in direct proportion with age. The older a person is, the more likely the risk of using health insurance, hence the higher the premiums. For example, in Kansas, the average cost of coverage in the Gold tier for a 60-year-old is around $1,228 per month. Whereas the average monthly premium, in the Silver level, for the same age demographic is about $1,135. 

Kansas Health Insurance

Gold plans
Typically this tier of plans has higher premiums with lower out-of-pocket expenses. So if you have high ongoing medical costs like prescriptions or medical equipment costs, these plans might be best suited to your needs.

Silver plans
These plans cater best to people who have average medical costs or those with low income. An applicant with a low household income might also qualify for cost-sharing subsidies (CSR), which would further reduce your out-of-pocket expenses. Monthly premiums are more economical than Gold plans but out-of-pocket costs, are higher.

Bronze and Catastrophic plans
Here, projects have the lowest premium rate with the least amount of coverage. In the case of a medical emergency, if you require health insurance, your out-of-pocket expenses like deductibles will be quite high. The insurance will provide minimal coverage when compared to the other metal tiers. So, usually, these plans are best suited to younger people because they most likely will not need to use it.

For more information on the cheapest health insurance by metal tier and the most reasonable health insurance plan by county, visit -

But remember, the cheapest health insurance might not always be the best health insurance for you. Find a policy that will adequately meet your family’s health insurance needs.


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