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MoneyGeek Logo IconBest Health InsuranceKansas
2023

Best Health Insurance in Kansas

Best Overall for Health Insurance in Kansas

US Health and Life Insurance Company offers the best health insurance for Kansas residents. The insurer earned a high MoneyGeek score of 80 out of 100 for its low claims denial rating and cheap average monthly premium.

Out of the seven health insurance companies in Kansas that were evaluated, US Health and Life Insurance Company offers the cheapest average monthly premium. Its average denial rate of zero percent indicates that medical claims are rarely, if ever, denied.

We arrived at this conclusion after evaluating 41 different EPO Silver plans available in the state.

MoneyGeek Pick: US Health and Life Insurance Company

US Health and Life

pros

Most affordable monthly premium out of seven health insurers in Kansas

Zero percent denial rating

Offers a fair number of plan types to eligible customers

cons

Out-of-pocket maximums may be slightly higher than those offered by other insurers

COMPANY HIGHLIGHTS

US Health and Life Insurance Company offers the cheapest and best overall health insurance in Kansas for most individuals. The average monthly premium is $461, and policyholders pay a MOOP cost of about $8,075 per year. While it offers the lowest average premium of the insurers evaluated, its average MOOP cost is slightly higher than other providers.

Four EPO plans are available through this insurer. EPO plans aren’t as popular as other plan types, owing to the fact that coverage only extends to in-network medical care, except in the case of an emergency. Unlike other plan types, a referral may not be necessary for certain specialist visits.

There is a very slim chance for the US Health and Life Insurance Company to deny medical claims from its policyholders.

Plan Recommendations

The best three Silver plans from US Health and Life insurance Company are:

  • Ascension Personalized Care Balanced Silver: $478 per month; MOOP $5,400
  • Ascension Personalized Care Low Premium Silver: $443 per month; MOOP $8,900
  • Ascension Personalized Care No Deductible Silver: $474 per month; MOOP $9,100

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

Blue Cross Blue Shield offers the best health insurance in Kansas for those interested in plans with low out-of-pocket maximums. The insurer received a MoneyGeek score of 70 out of 100.

Blue Cross Blue Shield is our top choice because it has the lowest MOOP of all the evaluated providers, has an average monthly cost comparable to other providers and offers a fair number of plan types.

Rates for this category were based on 22 EPO Gold health insurance plans.

MoneyGeek Pick: Blue Cross Blue Shield

Blue Cross Blue Shield

pros

Offers the lowest average MOOP cost

Fair monthly premium compared to other companies

Offers a fair number of plan types

cons

Relatively high claims denial rate

COMPANY HIGHLIGHTS

The average monthly cost of health insurance plans from Blue Cross Blue Shield is $620, which is slightly lower than that offered by other insurers. The company has the lowest average MOOP cost of $6,950 and offers three EPO plans in Kansas.

EPO plans are not as popular as HMO or PPO plans, although they offer coverage outside the provider's network for medical emergencies.

Blue Cross Blue Shield received a high claims denial rate relative to other insurers; it denies approximately 18% of medical claims.

Plan Recommendations

The following three EPO Gold plans from Blue Cross Blue Shield rank the best for Kansas residents interested in health insurance with a low MOOP:

  • BlueCare EPO Gold: $617 per month; MOOP $4,950
  • BlueCare EPO Standardized Gold: $585 per month; MOOP $8,700
  • Blue KC Standard Gold 2000 with Broad Preferred Care Blue EPO: $891 per month; MOOP $8,700

Best Cheap Health Insurance in Kansas

The best cheap health insurance in Kansas comes from US Health and Life Insurance Company, with a MoneyGeek score of 88 out of 100.

For this category, an insurer’s average monthly premium contributed more to its total score than other factors. One disadvantage of health insurance plans with low premiums is they feature high out-of-pocket maximums. However, this may benefit individuals who rarely need health care services.

MoneyGeek’s analysis of the best affordable provider in Kansas is based on 41 EPO Silver plans.

MoneyGeek also analyzed the cheapest health insurance in Kansas for those who just want the cheapest rates.

MoneyGeek Pick: US Health and Life Insurance Company

US Health and Life

pros

Accepts most claims from policyholders

Has the lowest monthly premium compared to other companies

Offers an average number of plan types

cons

Higher MOOP costs compared to other insurers

COMPANY HIGHLIGHTS

The US Health and Life Insurance Company offers the best affordable insurance in Kansas at an average of $461 per month and a MOOP of $8,075.

The rate is based on four EPO plans offered by the company. While this type of plan isn’t the most common, policyholders may be able to see a specialist without a referral and receive out-of-network coverage for medical emergencies.

The provider has a near-perfect track record for approving medical claims. However, given its low monthly premium, borrowers may pay more out of pocket for treatment.

Plan Recommendations

We recommend the following three Silver plans from US Health and Life Insurance Company to get the best balance of cost and coverage in Kansas:

  • Ascension Personalized Care Low Premium Silver: $443 per month; MOOP $8,900
  • Ascension Personalized Care Standard Silver: $448 per month; MOOP $8,900
  • Ascension Personalized Care Balanced Silver: $478 per month; MOOP $5,400

Best Health Insurance for Low Income in Kansas

The best health insurance in Kansas for low-income individuals comes from US Health and Life Insurance Company, with a MoneyGeek score of 92 out of 100.

We analyzed 41 EPO Silver plans with cost-sharing reductions, or CSRs, to determine the top providers for this category. Cost-sharing reductions help lower your plan’s out-of-pocket maximum cost and deductible, ensuring you pay less for your coverage.

The percentage covered typically depends on your income bracket. Ordinarily, a silver plan covers about 70% of your total health care costs, but with a CSR, you can get up to 73%, 87% or 94% coverage, as follows:

  • If your annual income is between $27,180 and $33,975 (201%–250% of the FPL), 73% of your health insurance costs may be covered
  • If your annual income is between $20,385 to $27,180 (151%–200% of the FPL), 87% of your health insurance costs may be covered
  • If your annual income is below $20,385 (up to 150% of the FPL), up to 94% of your health insurance costs may be covered

Your income bracket varies based on the number of individuals in your household.

MoneyGeek Pick: US Health and Life Insurance Company

US Health and Life

pros

Offers the cheapest monthly health insurance premium

Has the highest claims denial score, meaning the insurer rarely denies claims from policyholders

Above average score for MOOP costs

cons

Offers an average number of plan types

COMPANY HIGHLIGHTS

US Health and Life Insurance Company has the best health insurance for low-income individuals in Kansas. Policyholders pay an average monthly premium of $461 and a MOOP cost of $6,475. The rates are based on plans for individuals with an income below 250% of the FPL.

US Health and Life Insurance Company rarely denies claims. The company has four EPO plans available for prospective policyholders in Texas.

Plan Recommendations

The best Silver plan type in Kansas from US Health Life Insurance Company is the Ascension Personalized Care Low Premium Silver. Note that out-of-pocket maximums will vary according to your income bracket, as follows: :

  • 201%–250% of the FPL: $443 per month; MOOP $7,250
  • 151%–200% of the FPL: $443 per month; MOOP $2,100
  • Up to 150% of the FPL: $443 per month; MOOP $1,200

Best Health Insurance for Young Adults in Kansas

Blue Cross Blue Shield offers the best health insurance in Kansas for young adults, with a MoneyGeek score of 65 out of 100.

To determine the top-ranking providers, we reviewed plans in the Bronze and Catastrophic metal tiers. These plans feature low monthly premiums and high MOOPs. Moreover, only buyers aged 30 and below qualify for Catastrophic health insurance plans.

Our review comprised the following plan types:

  • Catastrophic: Four EPO plans
  • Bronze: Seven EPO plans
  • Expanded Bronze: 42 EPO plans

MoneyGeek Pick: Blue Cross Blue Shield

Blue Cross Blue Shield

pros

Offers the lowest out-of-pocket maximum cost in the state

Has a fair number of plan types to choose from

cons

Rates are slightly higher than other providers

Reportedly denies about 18% of medical claims

COMPANY HIGHLIGHTS

Blue Cross Blue Shield offers health insurance plans in Kansas to young adults at an average monthly premium of $388 and an average MOOP cost of $8,323. Young adults in Kansas can choose from the provider’s 11 plans, including one Catastrophic, one Bronze and nine Expanded Bronze plans. All these are EPO plans that provide policyholders access to emergency care outside their provider network.

Blue Cross Blue Shield has a denial rate of 18%, which is higher than other insurers.

Plan Recommendations

Based on MoneyGeek’s study, the top three plans to consider from Blue Cross Blue Shield are:

  • BlueCare EPI Simple Bronze HDHP: $350 per month for 18-year-olds and $393 per month for 26-year-olds; MOOP $7,000
  • Blue KC Saver Bronze 6,500 with BlueSelect EPO: $372 per month for 18-year-olds and $417 per month for 26-year-olds; MOOP $7,500
  • Bluecare EPO Bronze: $350 per month for 18-year-olds and $393 per month for 26-year-olds; MOOP $8,000

Best Health Insurance by Plan Type in Kansas

Different health insurance companies offer different plan types. Because the insurers we evaluated in Kansas only offer EPOs, we can only speak to the best provider for this plan type:

  • EPO: US Health and Life Insurance Company (MoneyGeek score: 84 out of 100)

We used plan types in the Silver tier for this ranking because they strike a good balance between cost and coverage. The number of Silver EPO plans available in Kansas is 41.

MoneyGeek Pick for EPO: US Health and Life Insurance Company

US Health and Life
COMPANY HIGHLIGHTS

The best EPO health insurance provider in Kansas is US Health and Life Insurance Company. The provider has four EPO plans available in the state, costing an average of $461 per month with a MOOP cost of $8,075.

US Health and Life Insurance Company is the least likely of the insurers that we evaluated to deny claims. However, its policies cost more per month, on average, than those from other providers.

Exclusive Provider Organization (EPO) plans are similar to HMO plans in that you have to use in-network providers to receive coverage unless it’s an emergency. Unlike HMO plans, you may not need a referral to see a specialist with an EPO plan.

Plan Recommendations

The best EPO Silver plans from US Health and Life Insurance Company in Kansas are:

  • Ascension Personalized Care Balanced Silver: $478 per month; MOOP $5,400
  • Ascension Personalized Care Low Premium Silver: $443 per month; MOOP $8,900

Best Short-Term Health Insurance in Kansas

Based on cost and plan types, National General Accident and Health offers the best short-term health insurance in Kansas. The provider received a MoneyGeek score of 95 out of 100 and offers the lowest MOOP cost in the state.

mglogo
MoneyGeek Top Pick: National General Accident & Health
National General Accident & Health

National General Accident and Health provides health insurance plans with different term lengths, deductibles, plan options and co-insurance options. It is also the cheapest provider of temporary health insurance in the state, and its MOOP costs are significantly lower than other insurers in the state. Its quick enrollment process allows policyholders to get coverage within a short period.

How to Find the Best Health Insurance for You in Kansas

Your coverage needs and budget will determine the best health insurance option for you in Kansas. When you shop around for health insurance, it’s important to consider premium cost and MOOP cost.

  • doctor icon

    Understand when a health insurance plan will cover you

    Exclusive Provider Organization (EPO) plans are popular among health insurance companies in Kansas. These affordable plans allow policyholders to see specialists without a referral under certain circumstances. However, you need to use in-network providers except during emergencies. Kansas has a total of 157 EPO health insurance plans across all metal tiers.

  • money2 icon

    Weigh the cost of premiums vs. the cost of care

    If you choose a health insurance plan with a low monthly premium, you’ll likely pay more out of pocket for medical care. For example, the best plan from US Health and Life Insurance Company — Ascension Personalized Care Balanced Silver — costs $478 per month and has a MOOP of $5,400, while the fourth best, Ascension Personalized Care No Deductible Silver, has a lower monthly premium of $473 and a higher MOOP of $9,100.

Consider Kansas Medicare or Medicaid if You’re Eligible

Prospective policyholders in Kansas age 65 or older, as well as those with a qualifying disability or illness, may qualify for Medicare. This is a government-sponsored program that 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 inpatient or nursing facilities, like hospice.
  • 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 in Kansas to help lower your health insurance costs 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.

Frequently Asked Questions About Health Insurance in Kansas

The most frequently asked questions about health insurance in Kansas revolve around cost and availability. We responded to some of the commonly asked questions below to help you get started.

About Brenna Kelly, Licensed Health Insurance Agent


Brenna Kelly, Licensed Health Insurance Agent headshot

Brenna Kelly is a licensed health insurance agent and health insurance content manager at MoneyGeek. Licensed in Florida, Brenna is qualified to advise on medical insurance, disability, long-term care, critical illness, Medicare Supplements and Medicare Advantage Plans. She combines her experience in content production with expert insight into state, regional and local health insurance markets and policies. Brenna has also earned a Bachelor of Science and Master of Arts in Applied Sociology from the University of Central Florida.