Last Updated on by Edward Harris
Instantly review all available health insurance plans in Kansas from all carriers. Regardless if your need is short-term, long-term, single, family, or business, we make it easy to find Sunflower State policies from the top-rated carriers. Applicants under age 65 may be eligible for large federal subsidies that can substantially lower the premium. KanCare is available to lower-income applicants.
Senior Medicare plans are offered to persons that have reached age 65 or anyone that is eligible for these types of benefits. Medicare Advantage, Supplement, and Part D plans provide valuable coverage and reduce out-of-pocket expenses. Policies are offered by many top-rated companies.
Under Age 65 Options
Kansas utilizes a federally facilitated marketplace (FFM) for the enrollment process. During the open enrollment period (November 1-January 15th) approved plans cover pre-existing conditions, and offer large federal tax credits that may reduce premiums to $0, depending upon household income. Platinum, Gold, Silver, Bronze, and Catastrophic-tier contracts provide many cost-effective options.
The types of individual policies issued are EPO (Exclusive Provider Organization), HMO (Health Maintenance Organization), PPO (Preferred Provider Organization), and POS (Point Of Service). Typically, each carrier may not necessarily offer each of the four options. The seven rating areas are Kansas City, Northeast, Northcentral, Northwest, Southwest, Southcentral, and Southeast.
Available Companies
Six insurers offer 2026 under age-65 coverage Those carriers and the number of available counties are: BCBS Of Kansas (103), BCBS Of Kansas City (2), Celtic/Ambetter Sunflower Health Plan (91), Medica (4), Oscar (16), and UnitedHealthcare (35). Celtic/Ambetter Sunflower Health Plan offers 16 plans, the most in the state. (Medica offers coverage in Johnson, Leavenworth, Miami, and Wyandotte Counties).
BCBS Of Kansas is not available in Kansas City or Wyandotte Counties. BCBS Of Kansas City offers coverage in those two counties. Ambetter does not offer ACA plans in the following counties: Clark, Finney, Ford, Grant, Gray, Hamilton, Haskell, Kearney, Mead, Martin, Seward, Stanton, Stevens, and Wallace.
Small business coverage is offered by BCBS Of Kansas, BCBS Of Kansas City, Medical Associates Health Plan, and UnitedHealthcare. Marketplace dental plans are offered by Best Life And Health Insurance Company, Dentegra, Renaissance Life And Health, Guardian Life, and TruAssure.
The Kansas Department of Insurance regulates all carriers.
Most Affordable Kansas Individual And Family Health Insurance Plans
Catastrophic Tier
BCBS Of Kansas City Catastrophic BlueSelect -- First three non-preventative primary care office visits have a $100 copay. $10,600 deductible with maximum out-of-pocket expenses of $10,600.
Bronze Tier
Ambetter Standard Expanded Bronze -- $50 pcp and $100 specialist office visit copays. $75 Urgent Care copay and $50 copay for outpatient rehabilitation and habilitation services. Preferred generic and generic drug copays are $25 ($62.50 mail order). Tier 2 and Tier 3 drug copays are $50 and $100 (subject to deductible). $7,500 deductible with maximum out-of-pocket expenses of $10,000 and 50% coinsurance.
Ambetter Everyday Bronze -- $40 pcp and $90 specialist office visit copays. $50 Urgent Care copay and 50% coinsurance for outpatient rehabilitation and habilitation services. Preferred generic and generic drug copays are $3 and $30 ($7.50 and $75 mail order). Tier 2 and Tier 3 drug copays are 45% (subject to deductible). $8,450 deductible with maximum out-of-pocket expenses of $10,150 and 50% coinsurance. $50 copay for lab and professional services.
Oscar Bronze Classic Standard -- $50 pcp and $100 specialist office visit copays. $75 Urgent Care copay and $50 copay for outpatient rehabilitation and habilitation services. Preferred generic and generic drug copays are $25 ($75 mail order). Tier 2 and Tier 3 drug copays are $50 and $150, and $150 and $300. $7,500 deductible with maximum out-of-pocket expenses of $10,000 and 50% coinsurance.
Oscar Bronze Classic 4700 -- $70 pcp and $125 specialist office visit copays. $80 Urgent Care copay and $125 copay for outpatient rehabilitation and habilitation services. Preferred generic and generic drug copays are $3 and $30 ($9 and $90 mail order). Tier 2 and Tier 3 drug copays are 50% coinsurance. $4,700 deductible with maximum out-of-pocket expenses of $9,500 and 50% coinsurance. $70 copay for lab work.
Oscar Bronze Simple Diabetes Plan -- $50 pcp and $150 specialist office visit copays. $200 Urgent Care copay and $125 copay for outpatient rehabilitation and habilitation services. Preferred generic and generic drug copays are $3 and $30 ($9 and $90 mail order). Tier 2 drug copays are $75 and $225. $4,700 deductible with maximum out-of-pocket expenses of $9,500 and 50% coinsurance. $75 copay for lab work.
UnitedHealthcare Bronze Standard -- $50 pcp and $100 specialist office visit copays. $75 Urgent Care copay and $50 copay for outpatient rehabilitation and habilitation services. Tier 1 and Tier 2 drug copays are $0 and $25 ($0 and $62.50 mail order). $7,500 deductible with maximum out-of-pocket expenses of $9,200 and 50% coinsurance.
UnitedHealthcare Bronze Value -- $45 pcp office visit copay. $75 Urgent Care copay. Tier 1 and Tier 2 drug copays are $0 and $5 ($0 and $12.50 mail order). $7,100 deductible with maximum out-of-pocket expenses of $9,200 and 40% coinsurance. Lab testing copays are $20 (free standing/office) and $125 (hospital).
Oscar Bronze Elite + PCP Saver -- $40 pcp and $125 specialist office visit copays. $75 Urgent Care copay and $125 copay for outpatient rehabilitation and habilitation services. Preferred generic and generic drug copays are $3 and $30 ($7.50 and $75 mail order). $100 and $250 preferred brand drug copays (subject to deductible). $0 deductible with maximum out-of-pocket expenses of $9,200. $50 copay for lab work and $125 copay for diagnostic tests. $750 copay for imaging.
Aetna CVS Health Bronze 2 Advanced HSA -- Preferred generic and generic drug copays are $3 and $25 ($7.50 and $62.50 mail order). $5,695 deductible with maximum out-of-pocket expenses of $7,495 and 50% coinsurance. HSA-eligible.
Aetna CVS Health Bronze S -- $50 pcp and $100 specialist office visit copays. $75 Urgent Care copay and $50 copay for outpatient rehabilitation and habilitation services. Tier 1 and Tier 2 drug copays are $25 ($62.50 mail order). $7,500 deductible with maximum out-of-pocket expenses of $9,200 and 50% coinsurance.
Silver Tier
Ambetter Clear Silver -- $50 pcp and $100 specialist office visit copays. $50 Urgent Care copay. Prescription drugs subject to deductible. $6,500 deductible with maximum out-of-pocket expenses of $6,500 and 0% coinsurance. $25 copay for lab work.
Ambetter Standard Silver -- $40 pcp and $80 specialist office visit copays. $60 Urgent Care copay and $40 copay for outpatient rehabilitation and habilitation services. Preferred generic and generic drug copays are $20 ($50 mail order). Preferred brand drug copay is $40 ($100 mail order). $5,000 deductible with maximum out-of-pocket expenses of $8,000 and 40% coinsurance. $50 copay for lab and professional services.
Oscar Simple Silver PCP Saver -- $20 pcp and $70 specialist office visit copays. $100 Urgent Care copay. Preferred generic and generic drug copays are $3 and $25 ($7.50 and $62.50 mail order). $100 and $250 preferred brand drug copays. $5,750 deductible with maximum out-of-pocket expenses of $8,600 and 40% coinsurance. $50 copay for lab work and $125 copay for diagnostic tests. $750 copay for imaging.
Oscar Silver Classic Standard -- $40 pcp and $80 specialist office visit copays. $60 Urgent Care copay and $40 copay for outpatient rehabilitation and habilitation services. Preferred generic and generic drug copays are $20 ($50 mail order). $40 and $100 preferred brand drug copays. $5,000 deductible with maximum out-of-pocket expenses of $8,000 and 40% coinsurance.
Ambetter Focused Silver -- $40 pcp and $85 specialist office visit copays. $60 Urgent Care copay. Preferred generic and generic drug copays are $3 and $15 ($7.50 and $37.50 mail order). $75 and $187.50 preferred brand drug copays (subject to deductible). $6,300 deductible with maximum out-of-pocket expenses of $8,000 and 50% coinsurance. $50 copay for lab work and professional services.
Oscar Simple Silver Diabetes Plan -- $0 pcp and $40 specialist office visit copays. $75 Urgent Care copay. Preferred generic and generic drug copays are $0 and $25 ($0 and $62.50 mail order). $75 and $187.50 preferred brand drug copays (subject to deductible). $5,900 deductible with maximum out-of-pocket expenses of $8,550 and 50% coinsurance. $65 copay for lab work and professional services.
Oscar Silver Classic Plan -- $35 pcp and $80 specialist office visit copays. $80 Urgent Care copay and $80 copay for outpatient rehabilitation and habilitation services. Preferred generic and generic drug copays are $3 and $25 ($7.50 and $62.50 mail order). Preferred brand drug copay is $75 ($187.50 mail order). $5,400 deductible with maximum out-of-pocket expenses of $8,600 and 50% coinsurance. $50 copay for lab and professional services and $70 copay for x-rays.
Aetna CVS Health Silver 5 Advanced -- $45 pcp and $80 specialist office visit copays. $50 Urgent Care copay and $55 copay for outpatient rehabilitation services. Preferred generic and generic drug copays are $3 and $25 ($7.50 and $62.50 mail order). Preferred brand drug copay is $50 ($125 mail order). $7,495 deductible with maximum out-of-pocket expenses of $8,695 and 50% coinsurance. $25 copay for lab and professional services and $50 copay for x-rays.
Aetna Silver S -- $40 pcp and $80 specialist office visit copays. $60 Urgent Care copay and $40 copay for outpatient rehabilitation and habilitation services. Preferred generic and generic drug copays are $20 ($50 mail order). Preferred brand drug copay is $40 ($100 mail order). $5,000 deductible with maximum out-of-pocket expenses of $8,000 and 40% coinsurance.
Gold Tier
Ambetter Everyday Gold -- $35 pcp and $55 specialist office visit copays. $35 Urgent Care copay. Preferred generic and generic drug copays are $3 and $15 ($7.50 and $45 mail order). Preferred brand drug copay is $60 ($150 mail order). $750 deductible with maximum out-of-pocket expenses of $7,000 and 35% coinsurance. $35 copay for lab and professional services.
Ambetter Standard Gold -- $30 pcp and $60 specialist office visit copays. $45 Urgent Care copay and $30 copay for outpatient rehabilitation and habilitation services. Preferred generic and generic drug copays are $15 ($37.50 mail order). Preferred brand drug copay is $30 ($75 mail order). Non-preferred drug copay is $60 ($150 mail order). $1,500 deductible with maximum out-of-pocket expenses of $7,800 and 25% coinsurance.
Oscar Gold Class Standard -- $30 pcp and $60 specialist office visit copays. $45 Urgent Care copay and $30 copay for outpatient rehabilitation and habilitation services. Preferred generic and generic drug copays are $15 ($37.50 mail order). Preferred brand drug copay is $30 ($75 mail order). Non-preferred drug copay is $60 ($150 mail order). $1,500 deductible with maximum out-of-pocket expenses of $7,800 and 25% coinsurance.
Ambetter Elite Gold -- $5 pcp and $60 specialist office visit copays. $35 Urgent Care copay and $50 copay for outpatient rehabilitation and habilitation services. Preferred generic and generic drug copays are $3 and $15 ($7.50 and $37.50 mail order). Preferred brand drug copay is $50 ($125 mail order). Non-preferred drug copay is 45% coinsurance. $0 deductible with maximum out-of-pocket expenses of $5,500 and 30% coinsurance.
UnitedHealthcare Gold Standard -- $30 pcp and $60 specialist office visit copays. $45 Urgent Care copay and $30 copay for outpatient rehabilitation and habilitation services. Preferred generic and generic drug copays are $0 and $15 ($0 and $37.50 mail order). Preferred brand drug copay is $30 ($75 mail order). Non-preferred drug copay is $60 ($150 mail order). $1,500 deductible with maximum out-of-pocket expenses of $7,800 and 25% coinsurance.
Note: Kansas Medicaid (KanCare) consists of OneCare Kansas and Working Healthy. KanCare services are provided by UnitedHealthcare Community Plan Of Kansas, Sunflower Health Plan, and Healthy Blue Kansas. Dental benefits are provided to children. Adults may be eligible for annual checkups and teeth cleanings. The household income determines what amount (if any) must be paid.
A "Care "Manager" assists you to ensure the applicable community services are provided to help with any existing health conditions. Rides are provided to visit physicians, and if needed, the chosen medical plan can be changed each year. Managed care companies are monitored for their health outcomes and performance, which impacts if contractors receive their entire expected compensation.
Kansas Health Insurance Monthly Rates (Under-65)
30-Year-Old With $30,000 Income Residing In Johnson County
$0 -- Ambetter Standard Expanded Bronze
$0 -- Ambetter Everyday Bronze
$17 -- Oscar Bronze Classic Standard
$22 -- Oscar Bronze Classic 4700
$31 -- UnitedHealthcare Bronze Standard
$34 -- UnitedHealthcare Bronze Value
$39 -- Oscar Bronze Elite + PCP Saver
$39 -- Aetna Bronze 2 Advanced HSA
35-Year-Old Married Couple With $54,000 Income Residing In Johnson County
$0 -- Ambetter Standard Expanded Bronze
$0 -- Ambetter Everyday Bronze
$36 -- Oscar Bronze Classic Standard
$48 -- Oscar Bronze Classic 4700
$66 -- UnitedHealthcare Bronze Standard
$73 -- UnitedHealthcare Bronze Value
$84 -- Oscar Bronze Elite + PCP Saver
$85 -- Aetna Bronze 2 Advanced HSA
40-Year-Old Married Couple With $68,000 Income Residing In Sedgwick County
$148 -- Ambetter Standard Expanded Bronze
$156 -- Ambetter Everyday Bronze
$250 -- UnitedHealthcare Bronze Standard
$258 -- UnitedHealthcare Bronze Value
$270 -- Ambetter Elite Bronze
$322 -- UnitedHealthcare Bronze Focus
$351 -- UnitedHealthcare Bronze Copay Focus
$374 -- Ambetter Clear Silver
45-Year-Old Married Couple And One Child With $80,000 Income Residing In Sedgwick County
$58 -- Ambetter Standard Expanded Bronze
$68 -- Ambetter Everyday Bronze
$203 -- UnitedHealthcare Bronze Standard
$214 -- UnitedHealthcare Bronze Value
$231 -- Ambetter Elite Bronze
$256 -- UnitedHealthcare Bronze Focus
$306 -- UnitedHealthcare Bronze Copay Focus
$380 -- Ambetter Clear Silver
50-Year-Old Married Couple And Two Children With $95,000 Income Residing In Shawnee County
$45 -- Oscar Bronze Classic Standard
$71 -- Oscar Bronze Classic 4700
$107 -- UnitedHealthcare Bronze Standard
$123 -- UnitedHealthcare Bronze Value
$130 -- Ambetter Standard Expanded Bronze
$146 -- Ambetter Everyday Bronze
$152 -- Oscar Bronze Elite + PCP Saver
$247 -- UnitedHealthcare Bronze Copay Focus
55-Year-Old Married Couple And Two Children With $100,000 Income Residing In Shawnee County
$36 -- Oscar Bronze Classic Standard
$68 -- Oscar Bronze Classic 4700
$110 -- UnitedHealthcare Bronze Standard
$128 -- UnitedHealthcare Bronze Value
$137 -- Ambetter Standard Expanded Bronze
$155 -- Ambetter Everyday Bronze
$162 -- Oscar Bronze Elite + PCP Saver
$274 -- UnitedHealthcare Bronze Copay Focus
60-Year-Old Married Couple With $75,000 Income Residing In Wyandotte County
$6 -- Ambetter Standard Expanded Bronze
$20 -- Ambetter Everyday Bronze
$102 -- Oscar Bronze Classic Standard
$129 -- Oscar Bronze Classic 4700
$170 -- UnitedHealthcare Bronze Standard
$186 -- UnitedHealthcare Bronze Value
$209 -- Oscar Bronze Elite + PCP Saver
$211 -- Aetna Bronze 2 Advanced HSA
60-Year-Old Married Couple With $85,000 Income Residing In Wyandotte County
$129 -- Ambetter Standard Expanded Bronze
$143 -- Ambetter Everyday Bronze
$225 -- Oscar Bronze Classic Standard
$252 -- Oscar Bronze Classic 4700
$293 -- UnitedHealthcare Bronze Standard
$309 -- UnitedHealthcare Bronze Value
$332 -- Oscar Bronze Elite + PCP Saver
$334 -- Aetna Bronze 2 Advanced HSA
Senior Medicare Coverage
Kansas Medicare Advantage
Comparison of policies below are the state's most popular plans. Rates and benefits can vary depending upon county of residence.
AARP Medicare Advantage Essentials from UHC PPO -- $0 monthly rate with $3,700 Maximum out-of-pocket expenses. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $8, $47, and $100. 49,365 members are enrolled and the plan has a 3.0 Summary Star Rating. Doctor visit copays are $0 (pcp) and $0-$25 (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $50, $0, and $25. Inpatient and outpatient hospital copays are $295 for first 6 days, and $0-$295 per visit. Rehabilitation services have a $0-$25 copay and the ground ambulance copay is $290.
HumanaChoice PPO -- $0 monthly rate with $3,600 Maximum out-of-pocket expenses. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $10, $47, and 50%. 49,014 members are enrolled and the plan has a 3.5 Summary Star Rating. Doctor visit copays are $0 (pcp) and $30 (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $0-$65, $0-$30, and $0-$150. Inpatient and outpatient hospital copays are $360 for first 5 days, and $0-$400 per visit. Rehabilitation services have a $35 copay and the ground ambulance copay is $315.
Aetna Medicare Premier Plus PPO -- $0 monthly rate with $4,150 Maximum out-of-pocket expenses. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $0, 24%, and 25%. 18,722 members are enrolled and the plan has a 4.0 Summary Star Rating. Doctor visit copays are $0 (pcp) and $0-$30 (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $0-$30, $0, and $0. Inpatient and outpatient hospital copays are $330 for first 6 days, and $0-$325 per visit. Rehabilitation services have a $30 copay and the ground ambulance copay is $340.
Humana Gold Plus HMO -- $0 monthly rate with $3,000 Maximum out-of-pocket expenses. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $5, 47%, and 45%. 11,284 members are enrolled and the plan has a 3.5 Summary Star Rating. Doctor visit copays are $0 (pcp) and $15 (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $0-$65, $0, and $0-$150. Inpatient and outpatient hospital copays are $295 for first 7 days, and $0-$300 per visit. Rehabilitation services have a $15 copay and the ground ambulance copay is $315.
Humana USAA Honor Giveback PPO -- $0 monthly rate with $3,000 Maximum out-of-pocket expenses. Prescription drug coverage is not included. 11,227 members are enrolled and the plan has a 3.5 Summary Star Rating. Doctor visit copays are $0 (pcp) and $40 (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $0-$55, $0-$35, and $0-$105. Inpatient and outpatient hospital copays are $425 for first 5 days, and $0-$325 per visit. Rehabilitation services have a $35 copay and the ground ambulance copay is $265.
Aetna Medicare Premier HMO -- $0 monthly rate with $3,900 Maximum out-of-pocket expenses. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $0, 24%, and 25%. 10,459 members are enrolled and the plan has a 4.5 Summary Star Rating. Doctor visit copays are $0 (pcp) and $0-$25 (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $0-$25, $0, and $0. Inpatient and outpatient hospital copays are $320 for first 6 days, and $0-$320 per visit. Rehabilitation services have a $25 copay and the ground ambulance copay is $325.
Humana USAA Honor Giveback PPO -- $0 monthly rate with $4,500 Maximum out-of-pocket expenses. Prescription drug coverage is not included. 9,431 members are enrolled and the plan has a 3.5 Summary Star Rating. Doctor visit copays are $0 (pcp) and $35 (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $0-$55, $0-$50, and $0-$90. Inpatient and outpatient hospital copays are $360 for first 5 days, and $0-$275 per visit. Rehabilitation services have a $30 copay and the ground ambulance copay is $265.
UnitedHealthcare Dual Complete HMO -- $0 monthly rate with $9,350 Maximum out-of-pocket expenses. Preferred generic, generic, preferred brand, and non-preferred drug copays are 25%. 9,066 members are enrolled and the plan has a 4.0 Summary Star Rating. Doctor visit copays are 0%-20% (pcp) and 0%-20% (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $0. Inpatient and outpatient hospital copays are $0 and 0%-20%. Rehabilitation services have a 0%-20% copay and the ground ambulance copay is $0.
Aetna Medicare Assure HMO -- $0 monthly rate with $9,350 Maximum out-of-pocket expenses. Preferred generic, generic, preferred brand, and non-preferred drug copays are 25%. 6,778 members are enrolled and the plan has a 4.5 Summary Star Rating. Doctor visit copays are $0-20% (pcp) and $0-20% (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $0. Inpatient and outpatient hospital copays are $0 and 0%-20%. Rehabilitation services have a 0%-20% copay and the ground ambulance copay is $0.
Humana Gold Plus HMO -- $19 monthly rate with $7,000 Maximum out-of-pocket expenses. Preferred generic, generic, preferred brand, and non-preferred drug copays are $6, $11, 47%, and 50%. 6,136 members are enrolled and the plan has a 3.5 Summary Star Rating. Doctor visit copays are $0 (pcp) and $40 (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $0-$45, $0-$35, and $0-$150. Inpatient and outpatient hospital copays are $450 for first 5 days, and $0-$300 per visit. Rehabilitation services have a $25 copay and the ground ambulance copay is $315.
Aetna Medicare Core HMO -- $0 monthly rate with $3,400 Maximum out-of-pocket expenses. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $0, 24%, and 25%. 6,016 members are enrolled and the plan has a 4.5 Summary Star Rating. Doctor visit copays are $0 (pcp) and $0-$20 (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $0-$20, $0, and $0. Inpatient and outpatient hospital copays are $290 for first 6 days, and $0-$250 per visit. Rehabilitation services have a $20 copay and the ground ambulance copay is $265.
Aetna Medicare Core PPO -- $0 monthly rate with $3,400 Maximum out-of-pocket expenses. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $0, 24%, and 25%. 4,355 members are enrolled and the plan has a 4.0 Summary Star Rating. Doctor visit copays are $0 (pcp) and $0-$25 (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $0-$25, $0, and $0. Inpatient and outpatient hospital copays are $295 for first 6 days, and $0-$250 per visit. Rehabilitation services have a $25 copay and the ground ambulance copay is $280.
AARP Medicare Advantage Essentials from UHC HMO -- $44 monthly rate with $3,800 Maximum out-of-pocket expenses. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $8, $47, and $100. 3,749 members are enrolled and the plan has a 4.0 Summary Star Rating. Doctor visit copays are $0 (pcp) and $0-$35 (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $50, $0, and $25. Inpatient and outpatient hospital copays are $275 for first 7 days, and $0-$275 per visit. Rehabilitation services have a $0-$30 copay and the ground ambulance copay is $270.
AARP Medicare Advantage Patriot No Rx PPO -- $0 monthly rate with $4,900 Maximum out-of-pocket expenses. Prescription drug coverage is not included. 3,617 members are enrolled and the plan has a 3.0 Summary Star Rating. Doctor visit copays are $0 (pcp) and $0-$50 (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $45, $0, and $25. Inpatient and outpatient hospital copays are $445 for first 6 days, and $0-$445 per visit. Rehabilitation services have a $0-$45 copay and the ground ambulance copay is $290.
AARP Medicare Advantage Extras from UHC PPO -- $0 monthly rate with $4,500 Maximum out-of-pocket expenses. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $8, $47, and $100. 3,601 members are enrolled and the plan has a 3.0 Summary Star Rating. Doctor visit copays are $0 (pcp) and $0-$45 (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $40, $0, and $25. Inpatient and outpatient hospital copays are $395 for first 6 days, and $0-$395 per visit. Rehabilitation services have a $0-$35 copay and the ground ambulance copay is $275.
Erickson Advantage Signature HMO -- $162 monthly rate with $2,400 Maximum out-of-pocket expenses. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $5, $47, and $100. 4,068 members are enrolled and the plan has a 4.5 Summary Star Rating. Doctor visit copays are $0. Diagnostic test, lab services, and outpatient x-ray copays are $40, $0, and $25. Inpatient and outpatient hospital copays are $0, and $0-$100 per visit. Rehabilitation services have a $0 copay and the ground ambulance copay is $175.
Aetna Medicare Value Plus HMO -- $47 monthly rate with $5,500 Maximum out-of-pocket expenses. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $0, 24%, and 25%. 3,158 members are enrolled and the plan has a 4.5 Summary Star Rating. Doctor visit copays are $0 (pcp) and $0-$15 (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $0-$20, $0, and $0. Inpatient and outpatient hospital copays are $250 for first 4 days, and $0-$250 per visit. Rehabilitation services have a $20 copay and the ground ambulance copay is $260.
Aetna Medicare Eagle HMO -- $0 monthly rate with $5,500 Maximum out-of-pocket expenses. Prescription drug coverage is not included. 1,367 members are enrolled and the plan has a 4.5 Summary Star Rating. Doctor visit copays are $0 (pcp) and $0-$30 (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $0-$30, $0, and $0. Inpatient and outpatient hospital copays are $395 for first 6 days, and $0-$395 per visit. Rehabilitation services have a $20 copay and the ground ambulance copay is $260.
Blue Medicare Advantage Choice PPO -- $0 monthly rate with $3,500 Maximum out-of-pocket expenses. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $5, $42, and 31%. 2,080 members are enrolled and the plan has a 3.5 Summary Star Rating. Doctor visit copays are $0 (pcp) and $30 (specialist). Diagnostic test, lab services, and outpatient x-ray copays are $0. Inpatient and outpatient hospital copays are $330 for first 6 days, and $250 per visit. Rehabilitation services have a $40 copay and the ground ambulance copay is $300.
Erickson Advantage Freedom HMO -- $67 monthly rate with $4,300 Maximum out-of-pocket expenses. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $10, $47, and $100. 922 members are enrolled and the plan has a 4.5 Summary Star Rating. Doctor visit copays are $0 and $0-$50. Diagnostic test, lab services, and outpatient x-ray copays are $45, $0, and $25. Inpatient and outpatient hospital copays are $275 for first 7 days, and $300 per visit. Rehabilitation services have a $0-20% copay and the ground ambulance copay is $275.
Kansas Part D Prescription Drug Plans
12 plans are offered for 2026 (6 enhanced and 6 basic). Two $0 deductible plans are available, with an average monthly premium of $92. Six plans feature monthly premiums less than $25. The range of cost for the 12 plans is $0 to $147, and the average cost for all plans is $52.27. Four plans reduced their rate for 2026, while seven plans increased their rate. One plan rate did not change. About 60% of consumers received a plan rate increase. The weighted average increase is $24.01
AARP Medicare Rx Preferred from UHC -- $147 monthly premium and $130 deductible with 3,542 available formulary drugs. Preferred generic, generic, preferred brand, and non-preferred drug copays are $5, $10, 15%, and 38%. Available drugs include 267 (Tier 1), 629 (Tier 2), 1,037 (Tier 3), and 931 (Tier 4). 13,399 members are enrolled in Kansas (2,074,531 nationally) and the Summary Star Rating is 2.0, with a Customer Service Star Rating of 5.0. Drug Cost Accuracy Rating is 2.0.
AARP Medicare Rx Saver from UHC -- $105.40 monthly premium and $615 deductible with 3,080 available formulary drugs. Preferred generic, generic, preferred brand, and non-preferred drug copays are $2, $7, 17%, and 38%. Available drugs include 54 (Tier 1), 442 (Tier 2), 963 (Tier 3), and 962 (Tier 4). 1,870 members are enrolled in Kansas (513,029 nationally) and the Summary Star Rating is 2.0, with a Customer Service Star Rating of 5.0. Drug Cost Accuracy Rating is 2.0.
Blue MedicareRx Essentials -- $0 monthly premium and $615 deductible with 3,234 available formulary drugs. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $0, 20%, and 30%. Available drugs include 242 (Tier 1), 614 (Tier 2), 429 (Tier 3), and 1,248 (Tier 4). 69,211 members are enrolled in Kansas (69,211 nationally) and the Summary Star Rating is 3.5, with a Customer Service Star Rating of 3.0. Drug Cost Accuracy Rating is 4.0.
Blue MedicareRx Plus -- $61.60 monthly premium and $0 deductible with 3,469 available formulary drugs. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $0, 20%, and 40%. Available drugs include 321 (Tier 1), 639 (Tier 2), 913 (Tier 3), and 847 (Tier 4). 17,726 members are enrolled in Kansas (29,426 nationally) and the Summary Star Rating is 4.0, with a Customer Service Star Rating of 4.0.
Blue MedicareRx Value -- $39.60 monthly premium and $590 deductible with 2,998 available formulary drugs. Preferred generic, generic, preferred brand, and non-preferred drug copays are $2, $4, 20%, and 48%. Available drugs include 204 (Tier 1), 518 (Tier 2), 710 (Tier 3), and 922 (Tier 4). 6,893 members are enrolled in Kansas (19,139 nationally) and the Summary Star Rating is 4.0, with a Customer Service Star Rating of 4.0.
Cigna Healthcare Assurance Rx -- $16 monthly premium and $590 deductible with 2,998 available formulary drugs. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $3, 16%, and 50%. Available drugs include 216 (Tier 1), 490 (Tier 2), 647 (Tier 3), and 1,151 (Tier 4). 6,939 members are enrolled in Kansas (821,849 nationally) and the Summary Star Rating is 2.5, with a Customer Service Star Rating of 3.0.
Cigna Healthcare Extra Rx -- $85.10 monthly premium and $175 deductible with 3,357 available formulary drugs. Preferred generic, generic, preferred brand, and non-preferred drug copays are $1, $8, 19%, and 50%. Available drugs include 248 (Tier 1), 522 (Tier 2), 840 (Tier 3), and 1,053 (Tier 4). 4,853 members are enrolled in Kansas (236,647 nationally) and the Summary Star Rating is 2.5, with a Customer Service Star Rating of 3.0.
Cigna Healthcare Saver Rx -- $3.10 monthly premium and $590 deductible with 3,277 available formulary drugs. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $5, 17%, and 45%. Available drugs include 302 (Tier 1), 379 (Tier 2), 1,018 (Tier 3), and 911 (Tier 4). 4,840 members are enrolled in Kansas (296,439 nationally) and the Summary Star Rating is 2.5, with a Customer Service Star Rating of 3.0.
Humana Basic Rx Plan -- $68.50 monthly premium and $590 deductible with 2,985 available formulary drugs. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $1, 23%, and 50%. Available drugs include 213 (Tier 1), 584 (Tier 2), 646 (Tier 3), and 1,009 (Tier 4). 5,940 members are enrolled in Kansas (517,758 nationally) and the Summary Star Rating is 3.5, with a Customer Service Star Rating of 3.0.
Humana Premier Rx Plan -- $112.70 monthly premium and $0 deductible with 3,089 available formulary drugs. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $4, $45, and 50%. Available drugs include 372 (Tier 1), 495 (Tier 2), 657 (Tier 3), and 1,030 (Tier 4). 10,093 members are enrolled in Kansas (634,988 nationally) and the Summary Star Rating is 3.5, with a Customer Service Star Rating of 3.0.
Humana Value Rx Plan -- $34.20 monthly premium and $573 deductible with 3,014 available formulary drugs. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $0, 20%, and 35%. Available drugs include 266 (Tier 1), 571 (Tier 2), 619 (Tier 3), and 1,023 (Tier 4). 22,155 members are enrolled in Kansas (939,745 nationally) and the Summary Star Rating is 3.5, with a Customer Service Star Rating of 3.0.
SilverScript Choice -- $38.30 monthly premium and $590 deductible with 3,600 available formulary drugs. Preferred generic, generic, preferred brand, and non-preferred drug copays are $5, $10, 20%, and 40%. Available drugs include 487 (Tier 1), 904 (Tier 2), 429 (Tier 3), and 1,064 (Tier 4). 23,670 members are enrolled in Kansas (1,481,435 nationally) and the Summary Star Rating is 2.5, with a Customer Service Star Rating of 3.0.
Wellcare Classic -- $24.30 monthly premium and $590 deductible with 2,976 available formulary drugs. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $5, 21%, and 35%. Available drugs include 124 (Tier 1), 428 (Tier 2), 661 (Tier 3), and 1,106 (Tier 4). 13,461 members are enrolled in Kansas (2,258,323 nationally) and the Summary Star Rating is 3.5, with a Customer Service Star Rating of 4.0.
Wellcare Medicare Rx Value Plus -- $113.90 monthly premium and $590 deductible with 3,271 available formulary drugs. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $4, 15%, and 50%. Available drugs include 335 (Tier 1), 690 (Tier 2), 300 (Tier 3), and 1,364 (Tier 4). 4,891 members are enrolled in Kansas (445,390 nationally) and the Summary Star Rating is 3.5, with a Customer Service Star Rating of 4.0.
Wellcare Value Script -- $0 monthly premium and $590 deductible with 3,272 available formulary drugs. Preferred generic, generic, preferred brand, and non-preferred drug copays are $0, $5, 25%, and 41%. Available drugs include 353 (Tier 1), 638 (Tier 2), 339 (Tier 3), and 1,283 (Tier 4). 67,073 members are enrolled in Kansas (4,073,221 nationally) and the Summary Star Rating is 3.5, with a Customer Service Star Rating of 4.0.
Kansas Short Term Health Insurance
Plans are limited to four months of benefits (duration and renewal), and coverage is offered by the following companies: Allstate, BCBS Of Kansas City, Golden Rule (subsidiary of UnitedHealthcare), National Health, North River, Pan-American Life, and United States Fire. Mental health insurance coverage may not be covered on these plans. The lowest current Wichita monthly rates are shown below:
30 Year-Old Male
$29 -- $25,000 deductible with $250,000 coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by Allstate. PPO plan.
$54 -- $15,000 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by UnitedHealthcare. EPO plan.
$70 -- $10,000 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by Allstate. PPO plan.
$72 -- $7,500 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by UnitedHealthcare. EPO plan.
$79 -- $5,000 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by Allstate. PPO plan.
$116 -- $2,500 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by UnitedHealthcare. EPO plan.
$122 -- $7,500 deductible with $2 million coverage period maximum. Doctor and specialist office visits subject to $50 copay (two visits per four months). Coverage issued by UnitedHealthcare. EPO plan.
40 Year-Old Female
$41 -- $25,000 deductible with $250,000 coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by Allstate. PPO plan.
$87 -- $15,000 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by UnitedHealthcare. EPO plan.
$97 -- $10,000 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by Allstate. PPO plan.
$114 -- $7,500 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by UnitedHealthcare. EPO plan.
$114 -- $5,000 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by Allstate. PPO plan.
$185 -- $2,500 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by UnitedHealthcare. EPO plan.
$194 -- $7,500 deductible with $2 million coverage period maximum. Doctor and specialist office visits subject to $50 copay (two visits per four months). Coverage issued by UnitedHealthcare. EPO plan.
Married 40 Year-Old Couple (2 Persons)
$68 -- $25,000 deductible with $250,000 coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by Allstate. PPO plan.
$137 -- $15,000 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by UnitedHealthcare. EPO plan.
$161 -- $10,000 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by Allstate. PPO plan.
$182 -- $7,500 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by UnitedHealthcare. EPO plan.
$188 -- $5,000 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by Allstate. PPO plan.
$294 -- $2,500 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by UnitedHealthcare. EPO plan.
$309 -- $7,500 deductible with $2 million coverage period maximum. Doctor and specialist office visits subject to $50 copay (two visits per four months). Coverage issued by UnitedHealthcare. EPO plan.
50 Year-Old Male
$67 -- $25,000 deductible with $250,000 coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by Allstate. PPO plan.
$115 -- $15,000 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by UnitedHealthcare. EPO plan.
$152 -- $7,500 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by UnitedHealthcare. EPO plan.
$159 -- $10,000 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by Allstate. PPO plan.
$183 -- $5,000 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by Allstate. PPO plan.
$246 -- $2,500 deductible with $1 million coverage period maximum. Doctor and specialist office visits subject to deductible. Coverage issued by UnitedHealthcare. EPO plan.
$258 -- $7,500 deductible with $2 million coverage period maximum. Doctor and specialist office visits subject to $50 copay (two visits per four months). Coverage issued by UnitedHealthcare. EPO plan.