How Much is Health Insurance in Kansas?

How Much is Health Insurance in Kansas? State of Kansas Health Insurance Marketplace | Find the Best Health Plan for You

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Introduction

As you research health insurance in Kansas, you’ll find that the cost of premiums is affected by many factors. Some of these are specific to Kansas, while others are national trends that affect all states. In this guide, we’ll go over some of the key factors that will impact how much you pay for health insurance in Kansas.

One of the most important factors in determining your premium is whether you get your coverage through an employer or purchase it on your own. Employer-sponsored health insurance is typically cheaper than individual coverage, because employers can spread the cost of premiums among a large group of people. In Kansas, premiums for employer-sponsored family coverage averaged $3,860 per year in 2019, while premiums for individually-purchased family coverage averaged $6,950 per year.

Another important factor in premium costs is the type of plan you choose. There are four main types of health plans: Preferred Provider Organizations (PPOs), Health Maintenance Organizations (HMOs), high-deductible plans, and unique or grandfathered plans. PPOs and HMOs have the most comprehensive coverage and typically have higher premiums than high-deductible plans. In Kansas, annual premiums for PPO plans averaged $5,490 in 2019, while premiums for HMO plans averaged $4,910. High-deductible plans had an average annual premium of $4,360.

Your age and gender are also important factors in determining your premium costs. In general, younger people and women tend to pay lower premiums than older people and men. This is because younger people generally have fewer health problems and use less medical care than older people. Women also use less medical care than men on average. In Kansas, annual premiums for individual health insurance plans ranged from $2,880 for women aged 18-34 to $5,610 for men aged 55-64 in 2019.

Finally, the amount of coverage you need also affects your premium costs. Plans with lower deductibles and higher levels of coverage typically have higher premiums than plans with higher deductibles and lower levels of coverage. In Kansas, the average annual premium for a plan with comprehensive coverage (defined as a deductible of $500 or less) was $5,750 in 2019. The average annual premium for a plan with high deducible ($1,000 or more) was $3,790.

What is the average cost of health insurance in Kansas?

The average cost of health insurance in Kansas is $321 per month for an individual and $833 per month for a family, according to eHealthInsurance.com.

What are the major health insurance companies in Kansas?

There are many health insurance companies in Kansas, but the four major ones are Blue Cross and Blue Shield of Kansas, UnitedHealthcare of Kansas, Coventry Health Care of Kansas, and Aetna Health of Kansas.

What are the different types of health insurance plans available in Kansas?

There are four different types of health insurance plans available in Kansas:
-Health Maintenance Organizations (HMOs)
-Preferred Provider Organizations (PPOs)
-Point-of-Service (POS) Plans
-Exclusive Provider Organizations (EPOs)

HMOs are the most popular type of health insurance plan in Kansas. HMOs offer comprehensive coverage and allow you to see any doctor or specialist in the HMO network without a referral.
Preferred Provider Organizations (PPOs) are also a popular type of health insurance plan in Kansas. PPOs offer comprehensive coverage and allow you to see any doctor or specialist, but you may pay more if you see a provider outside of the PPO network.
Point-of-Service (POS) Plans are similar to HMOs, but POS plans allow you to see doctors and specialists outside of the POS network for an additional cost.
Exclusive Provider Organizations (EPOs) are similar to PPOs, but EPOs do not have out-of-network benefits.

What are the benefits of having health insurance in Kansas?

Health insurance is a type of insurance that helps to cover the cost of medical care. Having health insurance in Kansas can help to ensure that you and your family have access to high quality, affordable health care. There are many different types of health insurance plans available, and the benefits that each plan offers will vary. Some of the benefits that you may be able to receive with a health insurance plan include:

-Lower costs for medical care: Health insurance plans can help to lower the cost of medical care by covering a portion of the cost of your care. This can help you to save money on your medical bills.
-Access to quality care: Health insurance plans can help you to have access to quality medical care. With a health insurance plan, you may be able to see a doctor or specialist that you otherwise would not have been able to see.
-Preventative care: Health insurance plans typically cover preventative care, such as vaccinations and screenings. This can help you and your family to stay healthy and avoid costly medical bills in the future.

There are many different types of health insurance plans available in Kansas. To find a plan that meets your needs and budget, contact a licensed health insurance agent or broker today.

How can I get health insurance in Kansas?

Everyone is required to have health insurance in Kansas, but there are a few different ways to get it. You can buy a plan through the state’s insurance marketplace, get coverage through your job, or enroll in Medicaid or another public health insurance program. If you don’t have health insurance, you’ll have to pay a tax penalty.

There are a lot of different health insurance plans available in Kansas, and it can be hard to know which one is right for you. That’s where the state’s insurance marketplace comes in. You can compare plans and prices side-by-side to find the one that fits your budget and meets your needs. You may even be eligible for financial assistance to help lower the cost of your premiums.

If you don’t want to buy a health insurance plan on your own, you may be able to get coverage through your job. Many employers offer health insurance as an employee benefit, and some even subsidize the cost of premiums. Check with your HR department to see if your company offers health insurance.

If you don’t have access to employer-sponsored health insurance or if you can’t afford the premiums, you may be eligible for Medicaid or another public health insurance program. These programs provide low-cost or free coverage for people with limited incomes. To see if you qualify, contact the Kansas Department of Health and Environment at (785) 296-0111 or visit their website at www.kdheks.gov/hic/.

Conclusion

According to the data, the average cost of health insurance in Kansas is $456.44 per month, or $5,477.28 per year. The most expensive plan in the state is $946.66 per month, or $11,360 per year, while the cheapest plan costs just $129 per month, or $1,548 per year.