Best Kansas Health Insurance (2024 Plans) (2024)

Overall Best Health Insurance in Kansas

Ambetter is Kansas's best health insurance provider, with a MoneyGeek score of 83 out of 100.

This provider extends more affordable plan options, offers a lower maximum out-of-pocket cost for health services and exhibits less frequent claim denials than average.

We studied 35 Silver EPO plans in Kansas to understand which health insurance is best.

Best Health Insurance in Kansas for Low Out-of-Pocket Costs

With a MoneyGeek score of 74 out of 100, Ambetter has the best health insurance in Kansas for low out-of-pocket costs. It offers more affordable plan options. The company also has lower MOOP costs and fewer claim denials than average.

For this analysis, we evaluated 22 Gold EPO plans in Kansas.

Best Cheap Health Insurance in Kansas

Ambetter is the best cheap health insurance provider in Kansas, earning a score of 81 out of 100. The provider offers more affordable plan options with lower average out-of-pocket expenses. It also denies fewer claims than most other providers.

For this analysis, we looked at 35 Silver EPO plans in Kansas. MoneyGeek placed more importance on plans with lower monthly premiums when deciding the winner for this category. Plans with lower premiums generally have higher out-of-pocket costs.

Best Health Insurance for Low Income in Kansas

The best health insurance in Kansas for those with low income is Ambetter, with a score of 81 out of 100. Ambetter has lower-than-average rates, minimal out-of-pocket costs and fewer claim denials than other competitors.

In Kansas, we evaluated 35 Silver EPO plans for this analysis.MoneyGeek emphasized plans with low monthly premiums, including cost-sharing reductions (CSRs), when deciding the top plan for low-income people.

These CSRs help if your income is below a certain level, so you don't have to choose between paying less each month or paying less when you get care. Regular Silver plans usually cover 70% of health costs, but Silver plans with CSRs cover varying percentages depending on income:

• If you earn between $27,180 and $33,975 per year (201–250% of the Federal Poverty Level (FPL), your plan can cover about 73% of health costs.
• If you earn between $20,385 and $27,180 per year (151–200% of the FPL), you can have around 87% of the costs covered.
• And if your income is less than $20,385 per year (up to 150% of the FPL), you may get about 94% of your health care costs covered.

Remember that these numbers can change if you have more or fewer people living in your house.

Best Health Insurance for Young Adults in Kansas

Aetna provides the best health insurance in Kansas for young adults, earning a MoneyGeek score of 75 out of 100.

Aetna offers the most affordable plan options, has lower out-of-pocket costs, and better than average claim denial performance. Only individuals under the age of 30 can get Catastrophic coverage.

We evaluated one Bronze EPO plan, 37 Expanded Bronze EPO plans, and three Catastrophic EPO plans for this category.

Best Health Insurance by Plan Type in Kansas

Health insurance companies have different plan types. In Kansas, there are 35 Silver EPO plans available. The best provider for the only plan category available in Kansas is:

• EPO: Ambetter (MoneyGeek score: 89 out of 100)

Only Silver plans were considered in these recommendations. Silver plans often offer a balance between what you pay each month and what you pay when you get care. They can be suitable for people who go to the doctor or need medical care several times a year.

Best Short-Term Health Insurance in Kansas

How to Find the Best Health Insurance for You in Kansas

Understand when a health insurance plan will cover you

Health plans have rules about which doctors you can see. If you see a doctor in your network, it costs less. If you visit out-of-network doctors, it can cost more. Some plans in Kansas allow you to go out of network, but some don't.

Plans that let you go out of network are often pricier. On the other hand, plans that don't cost less. If you do get care outside of your network regardless, however, you might not get any money back.

In Kansas, there are 35 EPO plans.



Weigh the cost of premiums vs. the cost of care

Picking the best insurance is like finding a balance. You look at how much you pay monthly and the most you'd pay for medical expenses yearly. Your needs dictate your choice.

Some plans cost less each month, but if you get sick a lot, you could pay more by the end of the year. Plans that cost more each month often have a limit on what you pay in a year, which can help save money if you visit doctors or hospitals a lot.

The Clear Silver plan by Ambetter has the lowest limit on what you pay in a year, which is $5,400. This plan costs $553 each month. That's more than the average monthly cost for other Silver plans, but it could be a good choice if you need to see the doctor often and want to keep your yearly costs down.

Prospective policyholders in Kansas aged 65 or older, as well as those with a qualifying disability or illness, may qualify for Medicare. This government-sponsored program helps reduce your medical expenses by covering specific services. Medicare coverage is divided into three components:

• Part A (Hospital Insurance): This component covers health care costs incurred while in in-patient or nursing facilities, like hospices.
• Part B (Medical Insurance): This pays for outpatient services, including preventative care costs and doctor visits.
• Part D (Prescription Drug Coverage): This covers the cost of vaccines, prescription drugs and shots.

MoneyGeek ranked the best Medicare Advantage and best Medicare Supplement plans in Kansas to ensure you secure suitable coverage for your situation.

Another government-sponsored program available to help lower your health insurance costs in Kansas is Medicaid. However, Kansas is not a Medicaid expansion state, and you can only qualify for the program if you meet the state guidelines. Typically, the program is available to low-income children, pregnant women, very low-income families and individuals with disabilities.

FAQ: Kansas Health Insurance