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Kansas · 2026 plan year

Gold health insurance plans in Kansas (2026)

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
$1,600
Median 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 20% below the national median.

The median Gold deductible here is $1,600, against a $2,000 median across the 35 states in this tier. Deductibles here are comparatively low, so premium differences between plans matter proportionally more.

Kansas Gold premiums rank 20th cheapest of 35.

Averaged across all 20 plans, Gold coverage in Kansas costs $565 a month before subsidies — 20th lowest of the 35 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.

Cost

What a Gold plan costs in Kansas in 2026

Across all 20 Gold plans in Kansas, monthly premiums run from $476 to $705, averaging $565. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Kansas enrollees, often to a fraction of the sticker price.

Deductibles

Gold plan deductibles in Kansas

Gold deductibles in Kansas run from $0 to $2,500, with a median of $1,600 across the 18 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $1,361 because the spread is not symmetric. Some Kansas Gold plans file a $0 deductible and charge copays from the first visit instead, which is what pulls the low end of that range to zero. The other 2 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Gold out-of-pocket maximums in Kansas

Individual out-of-pocket maximums on Kansas Gold plans run from $5,900 to $8,800, with a median of $7,625. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

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 averageDeductible range
Ambetter from Sunflower Health Plan6$477$508$0–$2,000
UnitedHealthcare5$533$557$500–$2,000
Blue Cross and Blue Shield of Kansas, Inc.3$603$616$700–$2,000
Medica3$677$690$1,500–$2,500
Blue Cross and Blue Shield of Kansas City2$534$543$1,700–$2,000
Oscar Insurance Company1$476$476$2,000
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
Alabama
Avg $567
15 Gold plans
Indiana
Avg $573
23 Gold plans
Common questions

Kansas Gold plans, answered

What are the copays on Kansas Gold plans?
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. What the tier does bound is the rest of the cost-sharing: across the 20 Gold plans in Kansas, out-of-pocket maximums run $5,900 to $8,800, and deductibles on the 18 plans with one combined deductible run $0 to $2,500. The other 2 set a separate deductible for prescription drugs and are not included in the deductible figures. 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 — a median of $1,600 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 Kansas Gold plans?
Gold deductibles in Kansas run from $0 to $2,500 across the 18 plans with one combined deductible, with a median of $1,600 — that median is the figure closest to a typical plan. The other 2 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $5,900 to $8,800. The spread inside a single 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 Marketplace plan in Kansas?
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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