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Kansas Marketplace health insurance in 2026

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Kansas ACA Marketplace quick facts
Kansas health insurance Marketplace guide
Use this guide, including the FAQs below, to help you find the right health plan in Kansas. Many people find an ACA Marketplace plan, also known as Obamacare or exchange, to be a cost-effective choice.
Kansas uses the federally-facilitated health insurance Marketplace, which is HealthCare.gov. The HealthCare.gov platform allows Kansas residents to select from among a variety of health plans, and receive income-based financial assistance if eligible.
For 2026, six private insurers will offer individual/family health plans through the Kansas exchange,2 down from seven in 2025 (see details below about insurer participation and premium changes for 2026).
Frequently asked questions about health insurance in Kansas
Who can buy Marketplace health insurance in Kansas?
You must meet certain criteria to qualify for health coverage through the Marketplace in Kansas. Generally, you’re eligible to apply if you:3
- Live in Kansas and are lawfully present in the U.S.
- Are not incarcerated
- Are not enrolled in Medicare
By those standards, most Kansas residents can use the Marketplace. But eligibility for financial assistance is also an important factor. To be eligible for income-based subsidies, you must:
When can I enroll in an ACA-compliant plan in Kansas?
To buy an ACA-compliant individual or family health insurance in Kansas, sign up between November 1 and January 15 during open enrollment.
Enroll by December 15 for your coverage to become effective on January 1. But if you enroll from December 16 to January 15, your coverage will start on February 1.6
The open enrollment period will be shorter, however, starting in the fall of 2026. From that point on, the enrollment window will end on December 15, and all plans selected during open enrollment will take effect on January 1.
Outside of open enrollment, you can get coverage through the Marketplace if you have a qualifying life event that triggers a special enrollment period (SEP).7
Examples of qualifying life events include loss of health coverage, getting married, or permanent relocation (marriage and a permanent move will only trigger a special enrollment period if you already had coverage in place before the life event; for marriage, at least one spouse must have already had coverage). Learn more about special enrollment periods.
American Indians and Alaska Natives can enroll in an ACA exchange plan year-round.
Where do I enroll in a Marketplace plan in Kansas?
If you’re eligible for an ACA Marketplace plan, there are a few ways to enroll, with or without free assistance:
- Online through HealthCare.gov
- By phone at (800) 318-2596
- With the help of an agent/broker, navigator, or certified application counselor (help is available online, over the phone, or in person)
- Via an approved enhanced direct enrollment entity.8
How can I find affordable health insurance in Kansas?
In Kansas, you can find affordable individual and family health insurance through HealthCare.gov – the ACA Marketplace.
Of the roughly 200,000 people who enrolled in coverage through the Kansas Marketplace for 2025, more than 187,000 were eligible for premium subsidies (advance premium tax credits, or APTC) that averaged $580/month. After the subsidies were applied, the average subsidy-eligible Kansas Marketplace enrollee was paying about $73/month for their coverage.9
In addition to APTC, if your household income isn’t more than 250% of the federal poverty level, you may also be eligible for cost-sharing reductions (CSR), as long as you select a Silver-level plan in the Marketplace.10 CSRs help reduce deductibles and out-of-pocket expenses.
Source: CMS.gov9
You may also find affordable coverage through Medicaid (KanCare) if you’re eligible.
Kansas has not yet implemented the ACA’s expansion of Medicaid for low-income adults. However, children may be eligible for Medicaid or CHIP even if their parents aren’t. For certain families, enrolling children in Medicaid or CHIP while parents get coverage through the Marketplace can be an affordable way to obtain family coverage.
Kansas had been considering changes to its essential health benefits (EHB) benchmark plan starting with the 2025 plan year (recommendations included coverage of hearing aids, bariatric surgery, and applied behavior analysis for autism).11 But appropriations legislation enacted in 202312 prohibited the state from using any funds to make changes to the EHB benchmark plan. As a result, the state halted the process of changing its EHB benchmark plan.13
How many insurers offer Marketplace coverage in Kansas?
For 2026, six insurers offer plans through the Kansas health insurance Marketplace:2
- Ambetter from Sunflower Health Plan/Celtic
- Blue Cross and Blue Shield of Kansas City
- Blue Cross and Blue Shield of Kansas
- Medica Insurance Company
- Oscar Insurance Company
- UnitedHealthcare
This is down from seven in 2025, with the exit of Aetna at the end of 2025. Aetna is exiting the individual market in all states where it offers that coverage. Kansas residents with individual Aetna coverage will need to select a plan from a different carrier during the open enrollment period that begins November 1, 2025.
Are Marketplace health insurance premiums increasing in Kansas?
For 2026, the following average rate changes have been proposed by the insurers that offer coverage in the Kansas Marketplace,2 amounting to a weighted average proposed increase of 30.5%, before subsidies are applied:14
Kansas’ ACA Marketplace Plan 2026 PROPOSED Rate Increases by Insurance Company |
|
---|---|
Issuer | Percent Increase |
Ambetter from Sunflower Health Plan/Celtic | 40% |
Blue Cross and Blue Shield of Kansas City | -6.1% |
Blue Cross and Blue Shield of Kansas, Inc. | 16.4% |
Medica Insurance Company | 29.3% |
Oscar Insurance Company | 14.4% |
UnitedHealthcare | 10.1% |
Aetna | Exiting the market |
Source: Federal Rate Review Summary15
Rate changes apply to full-price premiums. Since most people using the Kansas exchange receive premium tax credits, they don’t pay the full premium amount.16 If you qualify for subsidies, your actual rate change will depend on how your plan’s premium changes, but also how your subsidy amount changes.
For 2026, subsidies will shrink and be available to fewer people unless Congress takes action to extend the federal subsidy enhancements that have been in effect since 2021. If Congress doesn’t do anything, the subsidy enhancements will expire at the end of 2025, resulting in substantial increases in the amount that people have to pay for their Marketplace coverage.
If the cost of your current plan increases, you can explore other health plans in the exchange that may be more affordable and offer comparable benefits.
For perspective, here’s a summary of how overall average premiums have changed over the years for the individual/family market in Kansas, before any subsidies were applied:
- 2015: Average increase of 4%17
- 2016: Average increase of 23%18 (carrier with largest rate increase ultimately left the market)
- 2017: Average increase of 36.6%19
- 2018: Average increase of 29%20 (BCBSKS rate change wasn’t counted because their plans (HMOs) were terminated and replaced with EPOs)
- 2019: Average increase of 5.3%21
- 2020: Average increase of 0.3%22
- 2021: Average increase of 7.8%23 (unweighted average)
- 2022: Average increase of 6%24 (unweighted average)
- 2023: Average increase of 7.2%25
- 2024: Average increase of 7.3%26
- 2025: Average increase of 8.9%27
How many people are insured through Kansas’ Marketplace?
During the open enrollment period for 2025 coverage, a significant new record high enrollment was reached in Kansas, with 200,046 people signing up for private plans through the Kansas Marketplace.28
As with many states, Kansas has seen substantial growth in Marketplace enrollment over the last several years (see the graph below that shows year-by-year enrollment).
The recent increase in enrollment is due in large part to the American Rescue Plan (ARP). Under the ARP, ACA’s premium subsidies are larger and more widely available. ARP has been extended through 2025 by the Inflation Reduction Act.29 But as noted above, the subsidy enhancements will expire at the end of 2025 unless Congress takes action to extend them.
The enrollment growth in 2024 and 2025 was also partially due to the Medicaid disenrollments that resumed in 2023, after being paused for three years during the pandemic. CMS reported that more than 31,000 Kansas residents transitioned from Medicaid to Marketplace coverage during the Medicaid continuous coverage “unwinding” period that began in the spring of 2023.30
Source: 2014,31 2015,32 2016,33 2017,34 2018,35 2019,36 2020,37 2021,38 2022,39 2023,40 2024,41 202528
What health insurance resources are available to Kansas residents?
Healthcare.gov: This is the ACA Marketplace where you can enroll in a health insurance plan online. You may also get help by calling (800) 318-2596.
Kansas Insurance Department: Call the Consumer Assistance Hotline at (800) 432-2484 in Kansas or (785) 296-7829 if out of state.
Senior Health Insurance Counseling for Kansas (SHICK): SHICK offers help with questions about Medicare.
Medicaid (KanCare): Though Kansas has not expanded Medicaid, certain people who meet the income limits may qualify.
Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

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Footnotes
- ”2025 OEP State-Level Public Use File (ZIP)” Centers for Medicare & Medicaid Services, Accessed May 13, 2025 ⤶ ⤶
- ”Kansas Rate Review Submissions” RateReview.HealthCare.gov. Accessed Sep. 18, 2025 ⤶ ⤶ ⤶ ⤶
- “A quick guide to the Health Insurance Marketplace” HealthCare.gov ⤶
- Medicare and the Marketplace, Master FAQ. Centers for Medicare and Medicaid Services. Accessed November 2023. ⤶
- Premium Tax Credit — The Basics. Internal Revenue Service. Accessed May 10, 2024 ⤶ ⤶
- When can you get health insurance? HealthCare.gov, 2023 ⤶
- Health Insurance. Kansas Insurance Department, accessed August 2023 ⤶
- “Entities Approved to Use Enhanced Direct Enrollment” CMS.gov, Aug. 9, 2024 ⤶
- “2025 Marketplace Open Enrollment Period Public Use Files” CMS.gov, May 2025 ⤶ ⤶
- “Federal Poverty Level (FPL)” Healthcare.gov, 2023 ⤶
- ”Kansas Essential Health Benefits Update, Plan Year 2025” Lewis & Ellis Actuaries and Consultants. Oct 13, 2022 ⤶
- ”Kansas Senate Bill 25” BillTrack50. Enacted April 28, 2023 ⤶
- ”ACA – Benchmark Health Insurance Plan Selection” Kansas Insurance Department. Accessed Jan. 15, 2024 ⤶
- ”2026 Rate Changes – Kansas: 30.5%; ~206,000 Kansans facing MASSIVE rate hikes starting in January” ACA Signups. Aug. 7, 2025 ⤶
- Kansas Rate Review Submissions. RateReview.HealthCare.gov. Accessed Nov. 29, 2024 ⤶
- ”Effectuated Enrollment: Early 2024 Snapshot and Full Year 2023 Average” CMS.gov, July 2, 2024 ⤶
- Analysis Finds No Nationwide Increase in Health Insurance Marketplace Premiums. The Commonwealth Fund. December 2014. ⤶
- FINAL PROJECTION: 2016 Weighted Avg. Rate Increases: 12-13% Nationally* ACA Signups. October 2015. ⤶
- Avg. UNSUBSIDIZED Indy Mkt Rate Hikes: 25% (49 States + DC). ACA Signups. October 2016. ⤶
- 2018 Rate Hikes. ACA Signups. October 2017. ⤶
- 2019 Rate Hikes. ACA Signups. October 2018. ⤶
- 2020 Rate Changes. ACA Signups. October 2019. ⤶
- 2021 Rate Changes. ACA Signups. October 2020. ⤶
- 2022 Rate Changes. ACA Signups. October 2021. ⤶
- UPDATED: FINAL Unsubsidized 2023 Premiums: +6.2% Across All 50 States +DC. ACA Signups. Accessed November 2023. ⤶
- So How’d I Do On My 2024 Avg. Rate Change Project? Not Bad At All! ACA Signups. December 2023. ⤶
- ”Kansas: Preliminary avg. unsubsidized 2025 #ACA rate changes: +8.9% (semi-weighted); US Health dropping out?” ACA Signups. Sep. 3, 2025 ⤶
- “2025 Marketplace Open Enrollment Period Public Use Files” CMS.gov, May 2025 ⤶ ⤶
- “Health Insurance Marketplaces 2023 Open Enrollment Report”CMS.gov, 2023 ⤶
- HealthCare.gov Marketplace Medicaid Unwinding Report. Centers for Medicare and Medicaid Services. Data April 2024; Accessed Aug. 20, 2024 ⤶
- “ASPE Issue Brief (2014)” ASPE, 2015 ⤶
- “Health Insurance Marketplaces 2015 Open Enrollment Period: March Enrollment Report”, HHS.gov, 2015 ⤶
- “HEALTH INSURANCE MARKETPLACES 2016 OPEN ENROLLMENT PERIOD: FINAL ENROLLMENT REPORT” HHS.gov, 2016 ⤶
- “2017 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2017 ⤶
- “2018 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2018 ⤶
- “2019 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2019 ⤶
- “2020 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2020 ⤶
- “2021 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2021 ⤶
- “2022 Marketplace Open Enrollment Period Public Use Files” CMS.gov, 2022 ⤶
- “Health Insurance Marketplaces 2023 Open Enrollment Report” CMS.gov, 2023 ⤶
- ”HEALTH INSURANCE MARKETPLACES 2024 OPEN ENROLLMENT REPORT” CMS.gov, 2024 ⤶