Blue Cross Blue Shield is the best health insurance company in Kansas. UnitedHealthcare, Medica, Oscar and Ambetter round out the top five providers in the state.
Best Health Insurance in Kansas (2026)
Updated: December 23, 2025
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Key Takeaways
Blue Cross Blue Shield provides the best health insurance in Kansas with its EPO plans averaging $663 per month.
Oscar delivers the cheapest health insurance, though its out-of-pocket costs and deductibles are less competitive than other providers.
When shopping for health insurance in Kansas, get quotes from multiple insurers and verify your preferred doctors participate in the plan's network.
Best Health Insurance Companies in Kansas
| Blue Cross Blue Shield | $663 | $5,298 | $2,731 | 4.3 | Blue Kc Choice Silver 1 With Spira Care Blueselect Epo |
| UnitedHealthcare | $704 | $5,823 | $2,349 | 4.3 | Uhc Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) |
| Medica | $927 | $5,950 | $2,305 | 4.1 | Select By Medica Silver Share |
| Oscar | $583 | $5,657 | $3,100 | 4.1 | Silver Classic Standard |
| Ambetter | $720 | $5,489 | $3,268 | 3.9 | Standard Silver |
*Our picks reflect the best companies for 40-year-olds seeking Silver-tier plans. Rates vary by age and coverage level.
Blue Cross Blue Shield
MoneyGeek Rating
4.3/ 5
4.8/5Affordability
3.7/5Deductible
3.5/5MOOP
Average Monthly Rate
$663Average MOOP
$5,298Average Deductible
$2,731
UnitedHealthcare
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4.9/5Deductible
2.5/5MOOP
Average Monthly Rate
$704Average MOOP
$5,823Average Deductible
$2,349
MEDICA
MoneyGeek Rating
4.1/ 5
4.2/5Affordability
5/5Deductible
2.8/5MOOP
Average Monthly Rate
$927Average MOOP
$5,950Average Deductible
$2,305
Best Health Insurance in Kansas by Age
EPO plans are the only network type available in Kansas. When comparing EPO health insurance in Kansas, age plays a major role in determining which provider is the best fit for Silver plans
By Age:
- Teens (18): Blue Cross Blue Shield EPO ($473 monthly), Oscar EPO ($417)
- Young adults (26): Blue Cross Blue Shield EPO ($531 monthly), Oscar EPO ($467)
- Adults (40): Blue Cross Blue Shield EPO ($663 monthly), Oscar EPO ($583)
- Seniors (60): Blue Cross Blue Shield EPO ($1,407 monthly), Oscar EPO ($1,239)
Compare Kansas Health Insurance Providers
Monthly premiums, deductibles and out-of-pocket maximums vary across metal tiers and providers. This table compares plans by age, metal level, policy type and HSA eligibility.
Data filtered by:
Silver
40
No
| Blue Cross Blue Shield | $663 | EPO | Silver | $5,298 | $2,731 | 40 | No |
| UnitedHealthcare | $704 | EPO | Silver | $5,823 | $2,349 | 40 | No |
| Medica | $927 | EPO | Silver | $5,950 | $2,305 | 40 | No |
| Oscar | $583 | EPO | Silver | $5,657 | $3,100 | 40 | No |
| Ambetter | $720 | EPO | Silver | $5,489 | $3,268 | 40 | No |
How to Choose the Best Health Insurance in Kansas
Finding the right health insurance in Kansas comes down to matching your coverage needs with reliable insurers and available enrollment periods.
- 1Assess your health care needs
Review your current medications, planned procedures and how often you visit doctors to determine which coverage level makes sense.
- 2Compare quotes from multiple insurers
Request rates from at least three Kansas health insurance companies to spot price differences and coverage variations.
- 3Check provider networks
Verify your preferred doctors, specialists and hospitals accept plans you're considering. Out-of-network care costs more and may require full payment upfront.
- 4Review out-of-pocket maximums and deductibles
Higher deductibles lower monthly premiums but increase upfront costs when you need care. Your MOOP caps annual expenses, limiting your total costs.
- 5Evaluate plan types
Although Kansas only has EPO plans, nationwide, HMOs, PPOs, EPOs and POS plans each offer different trade-offs. HMOs require referrals but cost less, while PPOs offer flexibility to see specialists without approval at higher premiums. EPOs and POS plans fall between these options.
- 6Explore federal programs
Subsidies and Medicare plans make health insurance more affordable. If you have a low income, a qualifying disability or are 65 or older, explore Medicare Advantage and Medicare Supplement options.
Average Health Insurance Cost in Kansas
Kansas health insurance costs change based on metal tier, age and location. EPO plans are the only network type available in the state, ranging from $461 monthly for Bronze coverage to $809 for Silver, with Gold plans at $781 per month.
| EPO | $461 | $809 | $781 |
*Rates are averages for 40-year-olds in Kansas. Your rates will vary based on your age and location.
Best Health Insurance in Kansas: Bottom Line
Blue Cross Blue Shield, UnitedHealthcare and Medica rank as the top health insurance providers in Kansas. The best plan for you depends on your age, network preferences, health care needs and budget.
Best Kansas Health Insurance: FAQ
Answers to questions about finding the best health insurance in Kansas:
Is health insurance required in Kansas?
Kansas does not require residents to have health insurance at the state level. Residents can still access federal subsidies through the health insurance marketplace to make coverage more affordable.
When is open enrollment in Kansas?
Kansas's open enrollment for 2026 health coverage begins November 1, 2025, and ends January 31, 2026. You must select your plan by December 31, 2025, to start coverage on January 1, 2026.
Can you get free health insurance in Kansas?
Kansas residents can access free or low-cost health insurance through Medicaid, which covers eligible low-income individuals and families. Some people qualify for premium subsidies through the federal marketplace that can reduce monthly costs or eliminate them entirely.
Our Review Methodology
Our ranking system evaluates health insurance plans based on cost factors: premiums, deductibles and maximum out-of-pocket limits.
Scoring methodology:
- Monthly premium (60%): Plans with the cheapest average monthly costs earn the highest ratings.
- Maximum out-of-pocket (MOOP) score (20%): MOOP is the yearly spending cap on healthcare costs beyond premiums. Insurers with lower MOOP limits receive better scores.
- Deductible (20%): This amount must be paid before insurance coverage begins. Plans with smaller deductibles get higher ratings.
We standardized all scores within each filter group. The best Silver-tier HMO plan receives a 5 out of 5 rating, with other plans scored relative to this benchmark.
MoneyGeek examined every 2026 health insurance plan offered in Kansas for individuals aged 18, 26, 40, 50, and 60. Premium costs reflect rates for a 40-year-old unless stated otherwise. Our analysis covers the following metal tiers: Catastrophic, Bronze, Expanded Bronze, Silver, Gold, and Platinum.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.