SimpliveraCoverage Companion
Kansas · 2026 plan year

Gold health insurance plans in Kansas

There are 20 Gold plans on the Kansas Marketplace from 6 insurers, and they are not interchangeable — premiums run from $476 to $705 a month for the same metal tier. Here is what separates them.

20
Gold plans
6
Insurers
105
Counties covered
$476
Cheapest premium
$1,225
Average deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Kansas Gold deductibles run 26% below the national median.

The average Gold deductible here is $1,225, against a $1,660 median across the 30 states in this tier. Deductibles here are comparatively low, so premium differences between plans matter proportionally more.

Kansas Gold premiums rank 18th cheapest of 30.

Averaged across all 20 plans, Gold coverage in Kansas costs $565 a month before subsidies — 18th lowest of the 30 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Lowest premiums

The cheapest Gold plans in Kansas

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Gold Classic StandardOscar Insurance Company$476$2,000$8,200
Standard GoldAmbetter from Sunflower Health Plan$477$2,000$8,200
Everyday GoldAmbetter from Sunflower Health Plan$483$800$7,250
Standard Gold + Vision + Adult DentalAmbetter from Sunflower Health Plan$493$2,000$8,200
Everyday Gold + Vision + Adult DentalAmbetter from Sunflower Health Plan$499$800$7,250

Showing 5 of 20. See all Kansas Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier average
Ambetter from Sunflower Health Plan6$477$508
UnitedHealthcare5$533$557
Blue Cross and Blue Shield of Kansas, Inc.3$603$616
Medica3$677$690
Blue Cross and Blue Shield of Kansas City2$534$543
Oscar Insurance Company1$476$476
Other tiers in Kansas

How Gold compares to the rest

Bronze
Avg $416 · from $346
24 plans
Silver
Avg $558 · from $442
19 plans
Gold
Avg $565 · from $476
20 plans · you are here

All KansasMarketplace plans →

Nearby on price

States with similar Gold premiums

Arkansas
Avg $560
18 Gold plans
Montana
Avg $571
34 Gold plans
Indiana
Avg $573
23 Gold plans
Common questions

Kansas Gold plans, answered

What are the copays on a Kansas Gold plan?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 20 Gold plans in Kansas, deductibles average $1,225 and the out-of-pocket maximum averages $7,515. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Kansas?
Any Kansas Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $1,225 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a Kansas Gold plan?
The average across all 20 Gold plans in Kansas is $1,225, with an average out-of-pocket maximum of $7,515. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Gold plans available in my Kansas county?
Gold plans are sold in 105 Kansas counties, from 6 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Kansas Marketplace plan?
Kansas uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Gold premiums in Kansas start at $476 a month before any subsidy.

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