Health Insurance

Best Cheap Health Insurance in Kansas 2020

Find Cheap Health Insurance Quotes in Kansas

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In Kansas, cheap health insurance plans are available for purchase through the state's marketplace or through Medicaid if your household income qualifies.

For 2020, the average health insurance cost in Kansas is $517 for a 40-year-old. This is an increase of nearly 6% since the 2018 plan year.

We researched all of the health insurance plans in Kansas to help you find your best health insurance coverage. Depending on the county you live in, either the BlueCare EPO Silver or Ambetter Balanced Care 12 was the cheapest Silver plan available. However, the cost of a policy will vary significantly by region.

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 with Healthier You Catastrophic$8,150$8,150$240
BronzeAmbetter Essential Care 1 (2020)$8,150$8,150$362
Expanded BronzeMedica with Healthier You Bronze Copay$7,000$8,150$322
SilverAmbetter Balanced Care 12 (2020)$6,500$8,150$418
GoldMedica with Healthier You Gold Share$550$7,200$423

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 you’ll pay 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 $126 per month more on average than a 21-year-old on a Silver plan, but $86 more per month for an average Bronze plan.

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

Finding your 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 you 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 low-cost option for health insurance coverage.

Health insurance rate changes in Kansas

Health insurance rates are set yearly by insurance providers and then approved by federal regulators for the following plan year.

In 2020, Expanded Bronze plans experienced the largest increase in costs — rising 10% since 2018. On the other hand, Bronze health policies are cheaper by 9%.

Metal tier2018 Premium2020 Premium% Change
Catastrophic$343$3625.56%
Bronze$436$395-9.38%
Expanded Bronze$435$4789.90%
Silver$534$5788.31%
Gold$578$577-0.21%
Rates are based on a 40-year-old adult.

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 coverage.

Find Cheap Health Insurance Quotes in Your Area

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Best cheap health insurance companies in Kansas

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

  • Blue Cross and Blue Shield of Kansas Inc.
  • Cigna Health and Life Insurance Co.
  • Medica Insurance Co.
  • Oscar Insurance Co.
  • 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 16 counties, 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, plus Child
AllenAmbetter Balanced Care 12 (2020)$418$836$1,086
AndersonBlueCare EPO Silver$560$1,120$1,455
AtchisonBlueCare EPO Silver$560$1,120$1,455
BarberBlueCare EPO Silver$568$1,136$1,475
BartonBlueCare EPO Silver$606$1,213$1,576
BourbonAmbetter Balanced Care 12 (2020)$418$836$1,086
BrownBlueCare EPO Silver$560$1,120$1,455
ButlerAmbetter Balanced Care 12 (2020)$454$909$1,181
ChaseBlueCare EPO Silver$545$1,091$1,417
ChautauquaBlueCare EPO Silver$545$1,091$1,417
CherokeeAmbetter Balanced Care 12 (2020)$418$836$1,086
CheyenneBlueCare EPO Silver$606$1,213$1,576
ClarkBlueCare EPO Silver$568$1,136$1,475
ClayBlueCare EPO Silver$546$1,092$1,419
CloudBlueCare EPO Silver$546$1,092$1,419
CoffeyBlueCare EPO Silver$560$1,120$1,455
ComancheBlueCare EPO Silver$568$1,136$1,475
CowleyAmbetter Balanced Care 12 (2020)$454$909$1,181
CrawfordAmbetter Balanced Care 12 (2020)$418$836$1,086
DecaturBlueCare EPO Silver$606$1,213$1,576
DickinsonBlueCare EPO Silver$546$1,092$1,419
DoniphanBlueCare EPO Silver$560$1,120$1,455
DouglasAmbetter Balanced Care 12 (2020)$474$948$1,231
EdwardsBlueCare EPO Silver$568$1,136$1,475
ElkBlueCare EPO Silver$545$1,091$1,417
EllisBlueCare EPO Silver$606$1,213$1,576
EllsworthBlueCare EPO Silver$546$1,092$1,419
FinneyBlueCare EPO Silver$568$1,136$1,475
FordBlueCare EPO Silver$568$1,136$1,475
FranklinBlueCare EPO Silver$560$1,120$1,455
GearyBlueCare EPO Silver$546$1,092$1,419
GoveBlueCare EPO Silver$606$1,213$1,576
GrahamBlueCare EPO Silver$606$1,213$1,576
GrantBlueCare EPO Silver$568$1,136$1,475
GrayBlueCare EPO Silver$568$1,136$1,475
GreeleyBlueCare EPO Silver$606$1,213$1,576
GreenwoodBlueCare EPO Silver$545$1,091$1,417
HamiltonBlueCare EPO Silver$568$1,136$1,475
HarperBlueCare EPO Silver$545$1,091$1,417
HarveyAmbetter Balanced Care 12 (2020)$454$909$1,181
HaskellBlueCare EPO Silver$568$1,136$1,475
HodgemanBlueCare EPO Silver$568$1,136$1,475
JacksonBlueCare EPO Silver$560$1,120$1,455
JeffersonBlueCare EPO Silver$560$1,120$1,455
JewellBlueCare EPO Silver$546$1,092$1,419
JohnsonAmbetter Balanced Care 12 (2020)$458$916$1,190
KearnyBlueCare EPO Silver$568$1,136$1,475
KingmanBlueCare EPO Silver$545$1,091$1,417
KiowaBlueCare EPO Silver$568$1,136$1,475
LabetteBlueCare EPO Silver$522$1,044$1,356
LaneBlueCare EPO Silver$606$1,213$1,576
LeavenworthAmbetter Balanced Care 12 (2020)$458$916$1,190
LincolnBlueCare EPO Silver$546$1,092$1,419
LinnAmbetter Balanced Care 12 (2020)$474$948$1,231
LoganBlueCare EPO Silver$606$1,213$1,576
LyonBlueCare EPO Silver$560$1,120$1,455
MarionBlueCare EPO Silver$545$1,091$1,417
MarshallBlueCare EPO Silver$560$1,120$1,455
McphersonBlueCare EPO Silver$545$1,091$1,417
MeadeBlueCare EPO Silver$568$1,136$1,475
MiamiAmbetter Balanced Care 12 (2020)$458$916$1,190
MitchellBlueCare EPO Silver$546$1,092$1,419
MontgomeryBlueCare EPO Silver$545$1,091$1,417
MorrisBlueCare EPO Silver$546$1,092$1,419
MortonBlueCare EPO Silver$568$1,136$1,475
NemahaBlueCare EPO Silver$560$1,120$1,455
NeoshoBlueCare EPO Silver$522$1,044$1,356
NessBlueCare EPO Silver$606$1,213$1,576
NortonBlueCare EPO Silver$606$1,213$1,576
OsageBlueCare EPO Silver$560$1,120$1,455
OsborneBlueCare EPO Silver$606$1,213$1,576
OttawaBlueCare EPO Silver$546$1,092$1,419
PawneeBlueCare EPO Silver$568$1,136$1,475
PhillipsBlueCare EPO Silver$606$1,213$1,576
PottawatomieBlueCare EPO Silver$560$1,120$1,455
PrattBlueCare EPO Silver$568$1,136$1,475
RawlinsBlueCare EPO Silver$606$1,213$1,576
RenoBlueCare EPO Silver$545$1,091$1,417
RepublicBlueCare EPO Silver$546$1,092$1,419
RiceBlueCare EPO Silver$545$1,091$1,417
RileyBlueCare EPO Silver$546$1,092$1,419
RooksBlueCare EPO Silver$606$1,213$1,576
RushBlueCare EPO Silver$606$1,213$1,576
RussellBlueCare EPO Silver$606$1,213$1,576
SalineBlueCare EPO Silver$546$1,092$1,419
ScottBlueCare EPO Silver$606$1,213$1,576
SedgwickAmbetter Balanced Care 12 (2020)$454$909$1,181
SewardBlueCare EPO Silver$568$1,136$1,475
ShawneeBlueCare EPO Silver$560$1,120$1,455
SheridanBlueCare EPO Silver$606$1,213$1,576
ShermanBlueCare EPO Silver$606$1,213$1,576
SmithBlueCare EPO Silver$606$1,213$1,576
StaffordBlueCare EPO Silver$568$1,136$1,475
StantonBlueCare EPO Silver$568$1,136$1,475
StevensBlueCare EPO Silver$568$1,136$1,475
SumnerAmbetter Balanced Care 12 (2020)$454$909$1,181
ThomasBlueCare EPO Silver$606$1,213$1,576
TregoBlueCare EPO Silver$606$1,213$1,576
WabaunseeBlueCare EPO Silver$560$1,120$1,455
WallaceBlueCare EPO Silver$606$1,213$1,576
WashingtonBlueCare EPO Silver$546$1,092$1,419
WichitaBlueCare EPO Silver$606$1,213$1,576
WilsonBlueCare EPO Silver$545$1,091$1,417
WoodsonAmbetter Balanced Care 12 (2020)$418$836$1,086
WyandotteAmbetter Balanced Care 12 (2020)$458$916$1,190

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 $1,503 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 $346, so a family of four (two 40-year-olds and two children) would cost an average of $1,849 per month to insure.

Family SizeAverage Monthly Cost of Health Plan
Individual + Child$925
Couple Age 40$1,157
Family of three (Adult couple and a child)$1,503
Family of four (Adult couple and two children)$1,849
Family of five (Adult couple and three children)$2,195
Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in Kansas.

Methodology

The health insurance rate and policy data used in this analysis was from Centers for Medicare & Medicaid Services (CMS) documents. ValuePenguin used the CMS Public Use Files (PUF) to get average-stated premiums across a variety of factors such as metal tier, county and family size.

Maxime Croll

Maxime is a Director at ValuePenguin focusing on the insurance industry. Previously she was the Director of Product Marketing at CoverWallet, a commercial insurance startup, and helped launch NerdWallet's personal insurance business. Maxime has contributed insurance insights and analysis to Forbes, USA Today, The Hill, and many other publications.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.