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Kansas Health Insurance Guide
From the tallgrass prairies to wide open skies and a deep sense of Midwestern pride, Kansas remains a desirable place to live — and understanding your health insurance options here is key to protecting your health and finances.
As of 2025, the uninsured rate in Kansas reflects ongoing challenges tied to the state’s decision not to expand Medicaid, but steady enrollment in marketplace and public programs has helped mitigate coverage gaps. If you’re currently without coverage, here’s what you need to know about getting insured in Kansas.
Health Insurance Options in Kansas
Kansas offers a range of health insurance options tailored to residents’ needs, depending on age, income, employment, and family size. Here are the most common coverage types available:
Employer-Sponsored Insurance
Many Kansas residents receive health insurance through their employer. If your workplace offers coverage, this is usually the most cost-effective and convenient option.
ACA Marketplace Plans (HealthCare.gov)
Individuals and families without employer coverage can shop for insurance through the federal Health Insurance Marketplace at HealthCare.gov.
Subsidies may be available to reduce premium costs. You can check your eligibility using our ACA Subsidy Calculator.
Marketplace Plans:
- Bronze: Low monthly premiums, higher out-of-pocket costs; ideal for minimal healthcare usage.
- Silver: Moderate costs; eligible for cost-sharing reductions (CSRs).
- Gold: Higher monthly premiums with lower out-of-pocket costs; best for frequent healthcare users.
- Platinum (if available): Highest premiums, lowest out-of-pocket costs.
Metal Tier Breakdown:
| Metal Tier | Insurance Company Pays | Consumer Pays |
|---|---|---|
| Bronze | 60% | 40% |
| Silver | 70% | 30% |
| Gold | 80% | 20% |
| Platinum | 90% | 10% |
Medicaid (KanCare)
KanCare is Kansas’ Medicaid program, offering free or low-cost health coverage to eligible low-income residents. Coverage typically includes doctor visits, hospital care, mental health services, prescription drugs, and more.
Eligibility in Kansas is limited due to the state’s non-expansion of Medicaid under the ACA, leaving many low-income adults in a coverage gap.
Student Health Insurance
College students in any state have multiple health insurance options, including staying on a parent’s plan until age 26, enrolling in a school-sponsored plan, or applying for coverage through the ACA Marketplace. Depending on your income and location, you may also qualify for Medicaid, CHIP, or low-cost catastrophic or short-term plans—making Kansas student health insurance accessible and flexible for a wide range of needs.
Children’s Health Insurance Program (CHIP)
KanCare also administers CHIP for children and pregnant women in families earning too much for Medicaid. This program provides access to affordable coverage for routine care, immunizations, and more.
Medicare
Kansas residents aged 65+ and younger individuals with qualifying disabilities are eligible for Medicare. Available options include:
- Medicare Advantage (Part C)
- Medicare Advantage is an alternative to Original Medicare offered by private insurers to those enrolled in Parts A and B. These plans often include extra benefits and cost protections but typically require using a specific network of providers.
- Prescription Drug Plans (Part D)
- Medicare Part D provides prescription drug coverage for anyone with Medicare, helping pay for medications and many vaccines. Offered by private insurers, these plans vary in cost and coverage and can be joined during specific enrollment periods.
- Medicare Supplement (Medigap)
- Medicare Supplement plans, or Medigap policies, help cover the out-of-pocket costs that Medicare Part A and Part B don’t pay. Since Original Medicare (Parts A and B) lacks an out-of-pocket maximum, these plans can limit your expenses for medical services.
COBRA Coverage
If you’ve recently lost employer-sponsored coverage, COBRA lets you temporarily continue your insurance—usually at full cost—while you transition to a new plan.
Short-Term Plans
Short-term medical (STM) plans offer flexible, low-cost coverage for up to four months, ideal for healthy individuals in transition. However, STM plans aren’t guaranteed issue, lack subsidies, and may exclude key benefits like maternity, mental health, and pre-existing conditions—making them less suitable for long-term or comprehensive needs.
Explore all non-ACA health plans that may fit your needs and lifestyle.
Enrollment Periods in Kansas
Open Enrollment for 2026 Coverage:
November 1, 2025 – December 15, 2025
During this window, all eligible residents can apply for, renew, or change their marketplace health plans.
Special Enrollment Period:
Available year-round for those experiencing qualifying life events such as:
- Job loss
- Marriage or divorce
- Birth/adoption of a child
- Relocation
- Change in income
You typically have 60 days from the event to enroll.
Health Insurance Providers in Kansas
As of 2025, these insurers typically offer individual and family plans through HealthCare.gov:
- Blue Cross Blue Shield of Kansas
- Medica Insurance Company (includes catastrophic health insurance)
- Oscar Insurance Company (includes catastrophic health insurance)
- Ambetter from Sunflower Health Plan
- Cigna Health and Life Insurance Company
Plan availability may vary by county or ZIP code.
Understanding Health Insurance Costs
When selecting a plan, be sure to understand these common cost terms:
- Premium: Monthly payment to maintain your plan.
- Deductible: What you pay before insurance covers services.
- Copayment (Copay): Fixed amount per visit/service.
- Coinsurance: Shared costs with your insurer after the deductible.
- Out-of-Pocket Maximum: Your yearly cost cap for covered services.
- In-Network vs. Out-of-Network: Staying in-network helps you avoid higher charges.
Understanding health insurance doesn’t have to be overwhelming. This glossary offers clear definitions of key terms—from agents to costs like copayments, coinsurance, and deductibles—to help you make confident coverage decisions.
Bottom Line
Health insurance in Kansas comes with many choices—whether from your employer, through the ACA marketplace, or public programs like Medicaid and Medicare. By staying informed and comparing plans during the right enrollment periods, you can secure affordable, reliable coverage that supports your well-being and budget.
Need help choosing a plan? Use our ACA Subsidy Calculator to see if you are eligible for financial aid or speak with a licensed insurance agent about all your options.
