In Kansas, National General Accident & Health and UnitedHealthcare are MoneyGeek’s picks for best overall short-term insurance providers, scoring 95 and 70 out of 100, respectively.
Short-term health insurance is a good option if you need temporary coverage, say when you're between jobs or waiting for open enrollment in a marketplace plan. Short-term plans only cover you for a few weeks or months but can be extended.
However, short-term plans don’t comply with the Affordable Care Act (ACA), might not include essential health benefits and can turn you down if you have pre-existing medical conditions.
Although short-term plans are cheaper, they shouldn’t replace a marketplace plan. You might be able to sign up for a marketplace plan with better coverage at a similar cost if you take advantage of subsidies.
Best Companies for Short-Term Health Insurance in Kansas
To determine the best short-term health insurance companies, MoneyGeek analyzed the pricing, plan options and cost-sharing choices for thousands of plans. Within each state, plans were aggregated by company to compile an overview of a short-term health insurance provider. In determining the best short-term providers for specific categories, weights were redistributed to take into account the goal of the health insurance plan.
Please be advised that the costs provided are averages. Actual rates will vary based on consumer profile and location.
Best Overall Short-Term Health Insurance in Kansas
These companies offer the best short-term health insurance in Kansas:
- National General Accident & Health: 95 out of 100
- UnitedHealthcare: 70 out of 100
- Independence American Insurance Company: 70 out of 100
MoneyGeek based these rankings on the companies’ average maximum out-of-pocket (MOOP) costs and flexibility in cost-sharing.
Of these top picks, National General Accident & Health and UnitedHealthcare offer comparably low MOOP costs at $11,000 and $11,321, respectively. Independence American Insurance Company has a higher average MOOP at $12,833 but compensates by providing significantly more plan options.
National General Accident & Health
MoneyGeek recommends National General Accident & Health as the top temporary health insurance provider in Kansas, scoring an impressive 95 out of 100. This company has offered health and accident insurance products across the U.S. for over 75 years and has helped more than 350,000 Americans find health insurance.
National General Accident & Health has flexible short-term insurance offerings that vary in term length, plan options, deductibles, coinsurance and benefits, including access to large national networks. However, be aware that this insurer might have a waiting period and application fees.
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If you’re young or healthy, you might not be concerned about getting a health insurance plan, but MoneyGeek strongly advises that you consider purchasing one as an investment. You can’t foresee accidents, and some medical costs (for example, emergency surgery) can add up to tens of thousands of dollars and can quickly put you in a financial bind.
Best Cheap Short-Term Health Insurance
Based on MoneyGeek’s extensive research, National General Accident & Health offers the cheapest short-term health insurance in Kansas, with an average MOOP cost of $11,000.
Typically, plans with lower premiums come with higher out-of-pocket costs. To minimize out-of-pocket payments, make sure your plan offers adequate coverage for your medical needs.
National General Accident & Health
Aside from being the best overall company, National General Accident & Health is also the most affordable health insurance provider of short-term health plans in Kansas. Policyholders will appreciate this company’s low average MOOP costs — the cheapest in the state — its wide range of cost-sharing options, and its quick enrollment process that can get you covered as soon as the next day.
It’s important to understand the purpose of short-term health insurance before purchasing a plan. These health plans aren’t meant to be replacements for marketplace or long-term plans but as temporary solutions that can protect you against the financial burden of unexpected medical costs.
Note that short-term health plans are excluded from federal health care regulations, don’t offer essential health benefits or guaranteed renewal and may not cover pre-existing conditions.
Best Short-Term Health Insurance Between Jobs
If you’re between jobs, you might need health insurance for one month until your new employer-sponsored plan begins. Short-term health insurance will help bridge this gap in health coverage for the unemployed.
MoneyGeek recommends these health insurance companies if you’re unemployed in Kansas:
- National General Accident & Health: $127 per month
- Independence American Insurance Company: $165 per month
- UnitedHealthcare: $138 per month
Although National General Accident & Health and UnitedHealthcare are cheaper, Independence American Insurance Company offers more choices for splitting coverage costs.
Note that we base these ratings on affordability and cost-sharing options. We only included companies that offer cheaper-than-average premiums. Generally, low premiums are offset by higher MOOPs, so only choose them if you don’t require significant medical care.
National General Accident & Health
National General Accident & Health provides affordable but high-quality coverage for individuals who are between health plans, whether due to unemployment or waiting for benefits at a new job to begin.
Policy buyers will find great flexibility in this company’s term length options, which range from one month to three years. Individuals at-risk for medical conditions will also appreciate that many of this insurer's plans cover out-of-network services and generic prescription drugs.
Consider a few circumstances when deciding whether to extend short-term health insurance. It might be prudent to extend your coverage if the start date of your new job is delayed or if open enrollment is just around the corner. MoneyGeek reiterates that short-term coverage is not a replacement for a marketplace plan. A better alternative is to purchase a marketplace Catastrophic or Bronze plan, which are cheap but still cover essential health benefits.
How Does Short-Term Health Insurance Work in Kansas?
Short-term health insurance is a good option if you’re facing life transitions and need emergency, temporary coverage lasting anywhere from a month to a year. However, it should only serve as a bridge until you can obtain long-term coverage from marketplace plans or an employer.
In some states, you can purchase short-term health coverage for 364 days with the option for renewal, thus extending coverage for over a year. But in Kansas, short-term health insurance plans last an initial period of 365 days, and you can renew only once for a maximum term duration of 24 months.
How to Buy Short-Term Health Insurance in Kansas
Certain life transitions may leave you in need of temporary health insurance. MoneyGeek recommends you take the following steps to purchase the short-term health insurance in Kansas that’s right for you.
Determine How Long You Need Coverage
Under Kansas state law, short-term health plans can last from 365 days to a maximum of 24 months. When shopping for a policy, consider the coverage duration so you don’t end up with a coverage gap.
Assess Your Health Care Needs
Short-term health plans are not required to cover the ten Essential Health Benefits (EHB) marketplace plans usually provide. Therefore, you must evaluate your health care needs, including any prescription medications or immediate care, against the short-term plan’s coverage. Make sure your preferred plan will sufficiently cover your needs.
Research Providers and Available Plans
Shop around and compare plan options and providers to find the best short-term health plan in Kansas, given your unique situation. Carefully consider each plan’s term length, deductibles, coverage limits and benefits.
Short-term health insurance and ACA-compliant marketplace plans differ in many ways. The most important distinction is that short-term insurance is meant to be a temporary solution during unexpected gaps in coverage. These plans don’t include essential health benefits or cover pre-existing medical conditions but are ideal for emergency coverage.
Meanwhile, marketplace plans meet the guidelines set by federal law through the ACA. They offer 10 EHBs and cover pre-existing conditions. However, you can only purchase a plan during the open enrollment period, which begins on November 1, unless you have a qualifying life experience.
FAQs About Short-Term Health Insurance in Kansas
The topic of health insurance can be difficult to navigate, especially if you find yourself needing immediate coverage during life transitions. MoneyGeek helps you through this process by answering frequently asked questions about short-term health insurance in Kansas.
About Brenna Kelly, Licensed Health Insurance Agent
- Healthcare.gov. "When Can You Get Health Insurance?." Accessed August 16, 2022.
- Independence American Insurance Company. "Connect Short-term Medical." Accessed August 15, 2022.
- National General Accident & Health. "Short-term Medical." Accessed August 15, 2022.
- National General Accident & Health. "Get a Quote." Accessed August 15, 2022.
- UnitedHealthcare. "Short-term Health Insurance FAQs." Accessed August 16, 2022.