Updated: December 29, 2025
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The most affordable health insurance options in Kansas are Oscar at $622 monthly, Blue Cross Blue Shield at $639, and UnitedHealthcare at $667.
Our analysis shows Oscar provides the lowest-cost health insurance for children, adults, teens, seniors and young adults, plus EPO plan options, while other insurers are best in different plan categories.
Kansas residents can secure the cheapest health insurance through Oscar at $622 monthly, delivering $130 in monthly savings compared to the state average. Blue Cross Blue Shield ranks second at $639 monthly, while UnitedHealthcare takes third place at $667 monthly.
Though Oscar provides the most affordable premiums, expect higher deductibles and out-of-pocket maximums as the tradeoff for these lower rates.
| Oscar | $622 | $130 | $7,464 | $1,560 |
| Blue Cross Blue Shield | $639 | $113 | $7,668 | $1,356 |
| UnitedHealthcare | $667 | $85 | $8,004 | $1,020 |
| Ambetter | $779 | $27 | $9,348 | $324 |
| Blue Cross And Blue Shield Of Kansas, Inc. | $909 | $157 | $10,908 | $1,884 |
| Medica | $911 | $159 | $10,932 | $1,908 |
*Average monthly costs represent the mean of all plan rates for each provider, rounded to the nearest dollar. Monthly savings show the cost difference between each provider's average rate and the statewide benchmark.
Average Monthly Rate
Average MOOP
Average Deductible
When searching for the best health insurance provider, personal rates depend on age, plan type and metal tier selection. You should think about how monthly premiums balance against deductibles and out-of-pocket limits.
Oscar provides the most affordable rates across most demographics in Kansas. These lower premiums come with higher deductibles and maximum out-of-pocket costs.
| Children | Oscar | $349 | $4,189 | $5,657 | $3,100 |
| Teens | Oscar | $417 | $5,000 | $5,657 | $3,100 |
| Young Adults | Oscar | $467 | $5,608 | $5,657 | $3,100 |
| Adults | Oscar | $583 | $6,999 | $5,657 | $3,100 |
| EPO | Oscar | $583 | $6,999 | $5,657 | $3,100 |
| With Health Savings Account Eligibility | Blue Cross And Blue Shield Of Kansas, Inc. | $861 | $10,333 | $7,433 | $3,400 |
| Seniors | Oscar | $1,239 | $14,863 | $5,657 | $3,100 |
* These are average rates for all plan types and metal levels, with teens at 18 years old, young adults at 26 years old, adults at 40 years old and seniors at 60 years old. For plan type costs, we used average rates for 40-year-olds.
For 40-year-olds in Kansas, UnitedHealthcare provides the most affordable Bronze plans at $461 monthly, while Blue Cross Blue Shield leads Catastrophic coverage at $444 per month. Oscar dominates multiple tiers with Expanded Bronze at $477 monthly, Silver at $583 per month and Gold coverage for $628 monthly featuring a $1,500 deductible.
| Catastrophic | Blue Cross Blue Shield | $444 | $5,322 | $10,600 | $10,600 |
| Bronze | UnitedHealthcare | $461 | $5,530 | $7,950 | $7,950 |
| Expanded Bronze | Oscar | $477 | $5,718 | $7,547 | $4,425 |
| Silver | Oscar | $583 | $6,999 | $5,657 | $3,100 |
| Gold | Oscar | $628 | $7,534 | $6,150 | $1,500 |
Our comprehensive Kansas data allows you to narrow choices by your specific situation and budget.
We've collected statewide data for Kansas to help you filter options based on your unique situation and budget.
| Oscar | Silver Classic Standard | $583 | EPO | Silver | $5,657 | $3,100 | 40 | No |
| Blue Cross Blue Shield | Blue Kc Simply Blue Silver With Spira Care Blue Metro Epo | $634 | EPO | Silver | $5,300 | $2,643 | 40 | No |
| Blue Cross Blue Shield | Blue Kc Choice Silver 1 With Spira Care Blueselect Epo | $663 | EPO | Silver | $4,936 | $2,450 | 40 | No |
| Blue Cross Blue Shield | Blue Kc Standard Silver Blueselect Epo | $692 | EPO | Silver | $5,657 | $3,100 | 40 | No |
| UnitedHealthcare | Uhc Silver Value ($0 Virtual Urgent Care, No Referrals) | $693 | EPO | Silver | $6,150 | $2,321 | 40 | No |
| UnitedHealthcare | Uhc Silver Standard (No Referrals) | $694 | EPO | Silver | $5,657 | $3,100 | 40 | No |
| UnitedHealthcare | Uhc Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | $704 | EPO | Silver | $5,579 | $2,000 | 40 | No |
| Ambetter | Standard Silver | $705 | EPO | Silver | $5,657 | $3,100 | 40 | No |
| UnitedHealthcare | Uhc Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | $707 | EPO | Silver | $6,150 | $2,321 | 40 | No |
| Ambetter | Focused Silver | $712 | EPO | Silver | $5,321 | $3,436 | 40 | No |
The following tips will help you find affordable coverage.
Don't automatically pick the lowest-cost Bronze plan available. While the monthly premium looks appealing, you might pay more overall when medical bills arrive.
Gold and Silver plans often save money through lower deductibles and reduced out-of-pocket maximums, especially if you visit doctors regularly or take prescription medications.
Calculate what you actually spent on medical care last year. If your total was around $800 for three doctor visits and some lab work, a high-deductible plan with a $7,000 deductible could save you $120 monthly compared to a premium Gold plan option.
HMO plans deliver premium savings compared to PPO alternatives in Kansas. You'll need to choose doctors within the network and get referrals for specialists, but the monthly savings can be good if these limitations work for your lifestyle.
Premium tax credits through the Health Insurance Marketplace can reduce your monthly payments based on household income. Many middle-class families qualify for financial assistance, so check your eligibility before buying any plan to avoid overpaying.
Open enrollment periods provide access to the most plan choices and competitive pricing. Missing this annual window means waiting until next year unless you experience a qualified life event like marriage, job loss or having a baby.
Verify that your current doctors and preferred hospitals accept the insurance plan you're considering. Call their offices directly to confirm network participation, as online directories can be outdated.
For Kansas residents, Oscar provides the most affordable rates across multiple coverage tiers. Both Blue Cross Blue Shield and UnitedHealthcare follow closely with competitive pricing throughout the state. These three regularly feature the lowest premiums. Find the best rate by comparing plans and metal tiers for several companies.
Find answers to the most common health insurance questions for Kansas residents:
During open enrollment, compare plans across multiple metal tiers from companies such as Oscar, Blue Cross Blue Shield and UnitedHealthcare. Check if you qualify for premium tax credits through the Health Insurance Marketplace. Consider HMO plans for lower rates and balance monthly premiums against deductibles based on your expected health care needs.
Kansas health insurance averages $765 monthly or $9,183 annually across all plan types and metal levels. Monthly premiums span from $265 to $2,009, varying by age, chosen coverage tier and plan type.
Kansas doesn't require residents to carry health insurance, and the federal individual mandate penalty was eliminated in 2019, so you won't face tax penalties for going uninsured. However, without coverage you'll pay full price for medical care, prescriptions and preventive services that insurance would otherwise cover, leaving you financially vulnerable to unexpected health expenses.
We gathered plan information from the federal health insurance marketplace for consumers aged 18 to 60, specifically examining costs for individuals aged 18, 26, 40, 50 and 60 years old. The cheapest overall rankings focus on 40-year-olds' monthly premiums, as this age group is the most common demographically and provides a clear comparison.
Age-specific rankings use their respective premium costs. Cheaper monthly premiums typically mean higher deductibles and out-of-pocket maximums when you need care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
