Best Cheap Health Insurance in Kansas 2019

Find the Cheapest Health Insurance Quotes in Your Area

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In Kansas, cheap health insurance plans are purchasable through the state's marketplace or through Medicaid if your household income qualifies. We researched all Kansas health insurance plans to help you find the best health insurance coverage. In the majority of the state, either the BlueCare EPO Simple Silver HDHP or Ambetter Balanced Care 4 was the cheapest Silver plan available. However, depending on the county you live in, these plans may not be available for purchase.

Cheapest Health Insurance by Metal Tier

We analyzed health insurance plans in Kansas by metal tier to identify which policies are the best for each degree of coverage. Depending on which county you live in, the insurers and health plans listed below may not be offered in your area. However, these plans are a good starting point in comparing the costs and benefits you can expect from different levels of coverage.

Metal TierCheapest PlanDeductibleOut-of-Pocket MaximumMonthly Cost for 40-Year-Old
CatastrophicMedica Connect Catastrophic$7,350$7,350$310
BronzeBlueCare EPO Simple Bronze HDHP$6,500$6,500$329
Expanded BronzeBlueCare EPO Bronze$7,150$7,150$345
SilverBlueCare EPO Simple Silver HDHP$4,000$4,000$459
GoldBlueCare EPO Gold$1,500$3,500$426

Two important factors in determining insurance premiums are metal tiers and age. Higher metal tiers offer lower out-of-pocket costs, which means you'll pay less if you need to use your health insurance, but this also means higher monthly premiums. Age also plays a large role in determining health insurance rates—as you get older, premiums become more expensive. As you can see below, a 40-year-old in Kansas would pay $116 per month more on average than a 21-year-old in a Silver plan, but $125 more per month for an average Gold plan.

Average Monthly Cost of Health Insurance Plans by Metal Tier in Kansas

Finding the Best Health Insurance Coverage in Kansas

Available insurers change by county, so the best cheap health insurance plan available to you in Kansas will depend on where you live and the level of coverage you choose. Higher metal tier health plans, like Gold policies, have monthly premiums that are not as cheap as Silver policies but have significantly lower out-of-pocket expenses, like deductibles, copays and coinsurance. So, if you have costly prescriptions or are worried about the high costs of an unexpected sickness, a higher metal plan will probably be your best health insurance choice. On the other hand, if you are young and healthy, or have no expected medical costs and want to keep your monthly rates down, a lower metal tier plan may be the cheapest.

Gold Plans: Best for People Who Expect High Medical Costs

Gold health insurance plans have the lowest costs if you need to use your insurance, since Gold plans may have lower deductibles and copays. However, the monthly premium you can expect to pay may be higher. Therefore, these health plans are best if you have high expected medical costs, such as ongoing prescriptions, or are concerned about being able to pay out of pocket for an unexpected condition.

Silver Plans: Best for People with Average Medical Costs or Low Income

Silver health plans may be the best health insurance plan type if you would like something that has lower out-of-pocket costs than a Bronze plan but a more affordable monthly premium than that of a Gold plan. These plans are also eligible for cost-sharing subsidies, which would lower your out-of-pocket expenses, if you are part of a lower income household.

Bronze and Catastrophic Plans: Best for Young People

Catastrophic and Bronze plans offer an affordable alternative to Silver and Gold plans, as their monthly premiums are less expensive. However, Catastrophic plans are only available to those who are under 30 or qualify for an exemption. Bronze plans are available to everyone and these lower metal tier policies have cheap monthly premiums for health insurance--but they come with much higher deductibles. So, if you need medical care during the year, you would have to pay more money out of pocket before coverage kicks in. If you can cover the high cost sharing in the event of an emergency and expect to have low medical costs, a Bronze plan may be your best cheap option for health insurance coverage.

Short-Term Health Insurance in Kansas

Short-term health insurance is offered by insurance providers with limited restrictions in Kansas. These plans follow federal guidelines with maximum coverage periods of up to one year. However, you can only renew short-term health insurance coverage one time and not for 36 months like some other states.

In Kansas, short-term health plans do not cover the essential health benefits and require medical underwriting to receive coverage. For this reason, you should be careful when selecting short-term health insurance as your primary health care.

Best Cheap Health Insurance Companies in Kansas

There are three health insurance companies on the Kansas state exchange, but only Medica Insurance Company is available in every county.

  • Blue Cross and Blue Shield of Kansas, Inc.
  • Medica Insurance Company
  • Sunflower State Health Plan, Inc.

When searching for the best health insurance for you, we recommend starting with Blue Cross and Blue Shield or Sunflower State Health Plan, as they typically provide the cheapest Silver health plan in the counties where they are available. Blue Cross and Blue Shield of Kansas, Inc., is available in most counties, but Sunflower State Health Plan is only available in two counties (Johnson and Wyandotte), so depending on where you live, you may have to compare different carrier options.

Cheapest Health Insurance Plan by County

To help you get started in your search for the best health plan, we identified the most affordable Silver health insurance policies available on the state exchange by county. Below, you can see which policy has the best rate for your county, as well as some sample monthly premiums for an individual or families.

CountyCheapest Silver PlanSingle Adult, Age 40Couple, Age 40Couple, Age 40, and Child
AllenBlueCare EPO Simple Silver HDHP$459$918$1,192
AndersonBlueCare EPO Simple Silver HDHP$492$985$1,279
AtchisonBlueCare EPO Simple Silver HDHP$492$985$1,279
BarberBlueCare EPO Simple Silver HDHP$499$998$1,297
BartonBlueCare EPO Simple Silver HDHP$533$1,066$1,385
BourbonBlueCare EPO Simple Silver HDHP$459$918$1,192
BrownBlueCare EPO Simple Silver HDHP$492$985$1,279
ButlerBlueCare EPO Simple Silver HDHP$479$959$1,246
ChaseBlueCare EPO Simple Silver HDHP$479$959$1,246
ChautauquaBlueCare EPO Simple Silver HDHP$479$959$1,246
CherokeeBlueCare EPO Simple Silver HDHP$459$918$1,192
CheyenneBlueCare EPO Simple Silver HDHP$533$1,066$1,385
ClarkBlueCare EPO Simple Silver HDHP$499$998$1,297
ClayBlueCare EPO Simple Silver HDHP$480$960$1,247
CloudBlueCare EPO Simple Silver HDHP$480$960$1,247
CoffeyBlueCare EPO Simple Silver HDHP$492$985$1,279
ComancheBlueCare EPO Simple Silver HDHP$499$998$1,297
CowleyBlueCare EPO Simple Silver HDHP$479$959$1,246
CrawfordBlueCare EPO Simple Silver HDHP$459$918$1,192
DecaturBlueCare EPO Simple Silver HDHP$533$1,066$1,385
DickinsonBlueCare EPO Simple Silver HDHP$480$960$1,247
DoniphanBlueCare EPO Simple Silver HDHP$492$985$1,279
DouglasBlueCare EPO Simple Silver HDHP$492$985$1,279
EdwardsBlueCare EPO Simple Silver HDHP$499$998$1,297
ElkBlueCare EPO Simple Silver HDHP$479$959$1,246
EllisBlueCare EPO Simple Silver HDHP$533$1,066$1,385
EllsworthBlueCare EPO Simple Silver HDHP$480$960$1,247
FinneyBlueCare EPO Simple Silver HDHP$499$998$1,297
FordBlueCare EPO Simple Silver HDHP$499$998$1,297
FranklinBlueCare EPO Simple Silver HDHP$492$985$1,279
GearyBlueCare EPO Simple Silver HDHP$480$960$1,247
GoveBlueCare EPO Simple Silver HDHP$533$1,066$1,385
GrahamBlueCare EPO Simple Silver HDHP$533$1,066$1,385
GrantBlueCare EPO Simple Silver HDHP$499$998$1,297
GrayBlueCare EPO Simple Silver HDHP$499$998$1,297
GreeleyBlueCare EPO Simple Silver HDHP$533$1,066$1,385
GreenwoodBlueCare EPO Simple Silver HDHP$479$959$1,246
HamiltonBlueCare EPO Simple Silver HDHP$499$998$1,297
HarperBlueCare EPO Simple Silver HDHP$479$959$1,246
HarveyBlueCare EPO Simple Silver HDHP$479$959$1,246
HaskellBlueCare EPO Simple Silver HDHP$499$998$1,297
HodgemanBlueCare EPO Simple Silver HDHP$499$998$1,297
JacksonBlueCare EPO Simple Silver HDHP$492$985$1,279
JeffersonBlueCare EPO Simple Silver HDHP$492$985$1,279
JewellBlueCare EPO Simple Silver HDHP$480$960$1,247
JohnsonAmbetter Balanced Care 4$536$1,072$1,392
KearnyBlueCare EPO Simple Silver HDHP$499$998$1,297
KingmanBlueCare EPO Simple Silver HDHP$479$959$1,246
KiowaBlueCare EPO Simple Silver HDHP$499$998$1,297
LabetteBlueCare EPO Simple Silver HDHP$459$918$1,192
LaneBlueCare EPO Simple Silver HDHP$533$1,066$1,385
LeavenworthBlueCare EPO Simple Silver HDHP$467$934$1,214
LincolnBlueCare EPO Simple Silver HDHP$480$960$1,247
LinnBlueCare EPO Simple Silver HDHP$492$985$1,279
LoganBlueCare EPO Simple Silver HDHP$533$1,066$1,385
LyonBlueCare EPO Simple Silver HDHP$492$985$1,279
MarionBlueCare EPO Simple Silver HDHP$479$959$1,246
MarshallBlueCare EPO Simple Silver HDHP$492$985$1,279
McPhersonBlueCare EPO Simple Silver HDHP$479$959$1,246
MeadeBlueCare EPO Simple Silver HDHP$499$998$1,297
MiamiBlueCare EPO Simple Silver HDHP$467$934$1,214
MitchellBlueCare EPO Simple Silver HDHP$480$960$1,247
MontgomeryBlueCare EPO Simple Silver HDHP$479$959$1,246
MorrisBlueCare EPO Simple Silver HDHP$480$960$1,247
MortonBlueCare EPO Simple Silver HDHP$499$998$1,297
NemahaBlueCare EPO Simple Silver HDHP$492$985$1,279
NeoshoBlueCare EPO Simple Silver HDHP$459$918$1,192
NessBlueCare EPO Simple Silver HDHP$533$1,066$1,385
NortonBlueCare EPO Simple Silver HDHP$533$1,066$1,385
OsageBlueCare EPO Simple Silver HDHP$492$985$1,279
OsborneBlueCare EPO Simple Silver HDHP$533$1,066$1,385
OttawaBlueCare EPO Simple Silver HDHP$480$960$1,247
PawneeBlueCare EPO Simple Silver HDHP$499$998$1,297
PhillipsBlueCare EPO Simple Silver HDHP$533$1,066$1,385
PottawatomieBlueCare EPO Simple Silver HDHP$492$985$1,279
PrattBlueCare EPO Simple Silver HDHP$499$998$1,297
RawlinsBlueCare EPO Simple Silver HDHP$533$1,066$1,385
RenoBlueCare EPO Simple Silver HDHP$479$959$1,246
RepublicBlueCare EPO Simple Silver HDHP$480$960$1,247
RiceBlueCare EPO Simple Silver HDHP$479$959$1,246
RileyBlueCare EPO Simple Silver HDHP$480$960$1,247
RooksBlueCare EPO Simple Silver HDHP$533$1,066$1,385
RushBlueCare EPO Simple Silver HDHP$533$1,066$1,385
RussellBlueCare EPO Simple Silver HDHP$533$1,066$1,385
SalineBlueCare EPO Simple Silver HDHP$480$960$1,247
ScottBlueCare EPO Simple Silver HDHP$533$1,066$1,385
SedgwickBlueCare EPO Simple Silver HDHP$479$959$1,246
SewardBlueCare EPO Simple Silver HDHP$499$998$1,297
ShawneeBlueCare EPO Simple Silver HDHP$492$985$1,279
SheridanBlueCare EPO Simple Silver HDHP$533$1,066$1,385
ShermanBlueCare EPO Simple Silver HDHP$533$1,066$1,385
SmithBlueCare EPO Simple Silver HDHP$533$1,066$1,385
StaffordBlueCare EPO Simple Silver HDHP$499$998$1,297
StantonBlueCare EPO Simple Silver HDHP$499$998$1,297
StevensBlueCare EPO Simple Silver HDHP$499$998$1,297
SumnerBlueCare EPO Simple Silver HDHP$479$959$1,246
ThomasBlueCare EPO Simple Silver HDHP$533$1,066$1,385
TregoBlueCare EPO Simple Silver HDHP$533$1,066$1,385
WabaunseeBlueCare EPO Simple Silver HDHP$492$985$1,279
WallaceBlueCare EPO Simple Silver HDHP$533$1,066$1,385
WashingtonBlueCare EPO Simple Silver HDHP$480$960$1,247
WichitaBlueCare EPO Simple Silver HDHP$533$1,066$1,385
WilsonBlueCare EPO Simple Silver HDHP$479$959$1,246
WoodsonBlueCare EPO Simple Silver HDHP$459$918$1,192
WyandotteAmbetter Balanced Care 4$536$1,072$1,392

Average Cost of Health Insurance by Family Size in Kansas

Depending on the size of a family, health insurance rates will change based on the number of individuals who need coverage and their age. Children below the age of 15 will qualify for lower health insurance premiums, which remain flat. But once a child reaches the age of 15, the premium will increase each year as they grow older.

For example, the average cost of health insurance for a family of three is $1,388 in Kansas, assuming two 40-year-old parents and a child. For each additional child, the average cost of a Silver health plan increases by $320, so a family of four (two 40-year-olds and two children) would cost an average of $1,708 per month to insure.

Family SizeAverage Monthly Cost of Health Plan
Single Adult$534
Adult Couple$1,069
Family of three (Adult couple and a child)$1,388
Family of four (Adult couple and two children)$1,708
Family of five (Adult couple and three children)$2,028
Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in Kansas.

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Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.