Monthly health insurance premiums cost nearly $486 in Kansas, higher than the national average, according to data from The Kaiser Family Foundation. The coverage you choose influences your premiums. This blog examines the top five cheap health insurance in Kansas, while highlighting their benefits and drawbacks.
Top Cheap Health Insurance in Kansas
Here are the top five health insurance coverage options you can find in Kansas
Beem
Beem is a popular app that offers various financial services. It also offers a marketplace where you can search for your ideal health insurance policy. Beem partners with top providers such as Allstate to bring you comprehensive coverage at affordable prices. From short-term medical insurance to coverage for critical illness, you can find everything at cheap rates.
| Pros | Cons | Monthly Cost | Out-Of-Pockets | Deductibles |
| Cheap monthly premiums. Extensive coverage options. Easy access to online tools and resources. | Out-of-pocket expenses can be high. No physical location. | Depends on the policy you have chosen. However, you can find coverages with monthly costs as low as $2.80 a month | Can range from $6,000 to $10,000 annually. | Can range between $3,500 and $9,500 every year. |
Aetna Medicare
Aetna Medicare is a well-known provider serving millions across the country. It offers plans specifically designed for those eligible for Medicare, including Medicare Advantage and Medicare Supplement plans. In Kansas, Aetna is among the most affordable options.
| Pros | Cons | Monthly Cost | Out-Of-Pockets | Deductibles |
| Offers additional benefits such as meals-at-home program and prescription benefits. $0 monthly premium with Medicare Advantage plan. | Plans vary based on location. Need to pay Medicare Part B premium as well. | There are several plans with which your monthly premium will be $0. However, the premium can go up to $519 depending on the plan | Can range between $8,850 and $13,300. | Most of the plans have a $0 deductible. However, for plans with deductibles, the maximum amount can go up to $1,000. |
Medicaid in Kansas
Medicaid is a program funded by the state and federal governments that pays for medically necessary services to those with low or no income. It provides low-cost or free health insurance to eligible low-income individuals and families in Kansas.
| Pros | Cons | Monthly Cost | Out-Of-Pockets | Deductibles |
| Comprehensive coverage with no premiums for eligible individuals. Low to no out-of-pocket costs. Coverage for a wide range of health services. | Eligibility restrictions based on income and other factors. Limited provider network compared to private insurance. | Medicaid in Kansas typically has no monthly premiums for eligible individuals and families. | Out-of-pocket costs for Medicaid recipients in Kansas are minimal. Generally, the expenses include $0-$5 copayments for doctor visits and $0-$10 for prescription medications | Usually nil, making it a very cost-effective option for those who qualify. |
Oscar Health
Oscar Health is a newer entrant in the Kansas health insurance market, known for its tech-savvy approach and customer-friendly services. Oscar offers various plans under the Affordable Care Act plan; it can be a great option if you prefer the convenience of using the mobile app and virtual visits to doctors.
| Pros | Cons | Monthly Cost | Out-Of-Pockets | Deductibles |
| Offers three types of health plans: HMOs, EPOs and PPOs. Offers the convenience of a mobile app. Free virtual primary care visits. | Rates can be higher. Lack of vision and dental care coverage. | Can range between $254 and $544, depending on the plan. | Can range between $1,550 and $9,450. | Can be as low as $1,500. However, it may vary based on the plan. |
MediKan in Kansas
MediKan is a state-funded program designed to provide temporary health coverage to certain low-income adults who don’t qualify for Medicaid. It offers coverage for 12 months only, and you must also apply for Social Security disability benefits.
| Pros | Cons | Monthly Cost | Out-Of-Pockets | Deductibles |
| Provides essential health coverage for those ineligible for Medicaid. Covers a wide range of medical services. | Temporary coverage limited to 12 months. Limited to specific eligibility criteria. | Doesn’t charge monthly premiums for eligible individuals. | Typically low and include small copayments for doctor visits and prescriptions. Some services may require a nominal fee. | Generally has no deductibles, making it accessible for those who qualify. |
Conclusion
Kansas citizens have several health insurance options to choose from. One must research them before opting for the most suitable option. Assess factors including the benefits and coverage they offer, monthly costs, among other factors. You can use Beem to find policies from top providers everywhere. Additionally, if your income is low, you can check out state-funded health insurance programs such as Medicaid and MediKan.
Read Related Article: Cheap health insurance in Iowa.
FAQs
Who offers the lowest health insurance rates in Kansas?
Medicaid offers the lowest health insurance rates in Kansas, with no premiums for eligible individuals and minimal out-of-pocket costs. For those who do not qualify for Medicaid, Beem and Oscar provide competitively priced plans with affordable monthly premiums.
How to get free health insurance in Kansas?
To get free health insurance in Kansas, you can apply for Medicaid if you meet the eligibility criteria based on income and family size. Additionally, certain individuals may qualify for MediKan, which provides temporary coverage at no cost.
Which plan has low deductibles and out-of-pockets in Kansas?
Aetna Medicare offers plans with low deductibles and out-of-pocket costs for Medicare-eligible individuals. For non-Medicare individuals, Medicaid provides the lowest out-of-pocket expenses, often with no deductible. You can use Beem to compare rates and coverages offered by various providers to determine the best policy for your needs.
