Best Medicare Advantage Plans in Kansas (2027)

Humana is the best Medicare Advantage insurer in Kansas because its plans rate highest and cost least at worst case. Ratings are stars from CMS, the federal Medicare agency, on a 1-to-5 scale. Worst-case yearly cost, or maximum annual cost exposure, adds a year of premiums to the out-of-pocket limit, the cap on in-network costs.

Kansas buyers don’t have to trade quality for price. Aetna Medicare ranks second on both, so the two best-rated carriers are cheapest at worst case. UnitedHealthcare serves the most counties, but its median plan, the middle of its range, can cost $2,450 more than Humana’s in a heavy-care year. Check Humana and Aetna Medicare first.

Kansas has 54 Medicare Advantage plans, but 30 of its 105 counties get none, and the median county with plans has 16.

These private plans cover Part A hospital and Part B medical benefits in place of Original Medicare, the federal program. A Medicare Supplement plan pairs with Original Medicare to help pay its copays, coinsurance, and deductibles.

Five of Kansas’ six carriers are rated. Devoted Health’s six plans reach 26 counties, and its median worst-case yearly cost is $6,225, above Humana’s or Aetna Medicare’s. Its CMS contract, the federal agreement covering a carrier’s group of plans, is new and has no star rating yet, so we couldn’t score its quality.

Your provider network, drug coverage and out-of-pocket limit decide which Kansas plan fits, while extra benefits and CMS star ratings help you choose between similar plans.

Plan type changes your worst-case year in Kansas far more than your monthly bill. Premiums and routine copays are nearly identical across HMO, HMO-POS and PPO plans, so the out-of-pocket limit is where they split. HMO-POS plans cap costs the lowest, even though they cover some out-of-network care and strict HMOs don’t.

A PPO’s wider doctor choice can cost $1,250 more in a heavy-care year than an HMO-POS plan, based on each type’s median limit. A five-day hospital stay costs $2,000 to $2,125 at the median $400 to $425 daily copay. Pick a PPO only when a doctor you need is outside every HMO-POS network near you.

*Median cost figures across all 54 non-SNP Kansas MA plans, grouped by plan type. All dollar figures rounded to the nearest dollar. Source: CMS 2027 data, MoneyGeek analysis.

These state and federal resources help Kansas residents compare Medicare Advantage plans and get free enrollment help.

• Kansas SHICK (Senior Health Insurance Counseling for Kansans): Free, unbiased Medicare counseling from trained volunteers who help Kansas residents compare plans and costs. Call 1-800-860-5260.
• Kansas Insurance Department: Regulates insurance companies selling Medicare Advantage plans in Kansas. Use this resource to verify carrier licenses and file a complaint if needed.
• Medicare Plan Finder: Compare Medicare Advantage plans in your county by estimated cost and star rating, and check whether each plan covers your drugs.
• Social Security Administration: Processes Medicare Part A and Part B enrollment. Apply online or find a local Social Security office for in-person help.
• Kansas Department for Aging and Disability Services (KDADS): Connects Kansas seniors with local services, including Medicare counseling and benefits assistance.

MoneyGeek reviewed 54 non-SNP Medicare Advantage plans in Kansas for 2027 across six carriers, 12 CMS contracts and 105 counties. The ratings combine the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file, all from CMS.

SNPs are excluded from the ratings.

To be rated, a carrier must serve at least six of Kansas’ 105 counties, or 5% of the state, and have data for all three scoring categories. All six carriers meet the county threshold.

Devoted Health serves 26 Kansas counties, but its new Kansas contract has no CMS Star Rating or CAHPS member survey data yet. Without quality data, Devoted doesn’t meet the eligibility rule and isn’t included in the provider reviews above.

How We Score Carriers

MoneyGeek scores each eligible carrier out of five across three weighted categories, using the median of each measure across the carrier’s Kansas plans:

• Affordability (40%): Half of this score comes from maximum annual cost exposure. Inpatient hospital, specialist and primary care copays make up the rest.
• Quality and Member Experience (40%): CMS Star Ratings count for 60% and CAHPS Rating of Health Plan scores for 40%, both measured at the contract level.
• Benefits and Access (20%): Supplemental dental, OTC, vision and hearing benefits account for half. County coverage adds 30%, and plan choice per county adds 20%.