Best Kansas Health Insurance (2023 Plans)

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.

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.

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.

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.

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

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.

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.

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.

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.

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.