Silver health insurance plans in Kansas (2026)
There are 19 Silver plans on the Kansas Marketplace from 6 insurers, and they are not interchangeable — premiums run from $442 to $741 a month for the same metal tier. Here is what separates them.
Kansas Silver premiums rank 22nd cheapest of 35.
Averaged across all 19 plans, Silver coverage in Kansas costs $558 a month before subsidies — 22nd 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.
What a Silver plan costs in Kansas in 2026
Across all 19 Silver plans in Kansas, monthly premiums run from $442 to $741, averaging $558. 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.
Silver plan deductibles in Kansas
Silver deductibles in Kansas run from $3,250 to $6,300, with a median of $5,500 across all 19 plans — 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 $4,936 because the spread is not symmetric. 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.
Silver out-of-pocket maximums in Kansas
Individual out-of-pocket maximums on Kansas Silver plans run from $7,500 to $10,450, with a median of $8,900. 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.
The cheapest Silver plans in Kansas
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-of-pocket max |
|---|---|---|---|
| Silver Classic StandardOscar Insurance Company | $442 | $6,000 | $8,900 |
| Standard SilverAmbetter from Sunflower Health Plan | $453 | $6,000 | $8,900 |
| Focused SilverAmbetter from Sunflower Health Plan | $458 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult DentalAmbetter from Sunflower Health Plan | $468 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult DentalAmbetter from Sunflower Health Plan | $473 | $6,300 | $8,400 |
Showing 5 of 19. See all Kansas Silver plans →
Silver plans by insurer
| Insurer | Silver plans | Cheapest | Tier average | Deductible range |
|---|---|---|---|---|
| UnitedHealthcare | 5 | $520 | $528 | $3,250–$6,000 |
| Ambetter from Sunflower Health Plan | 4 | $453 | $463 | $6,000–$6,300 |
| Blue Cross and Blue Shield of Kansas City | 3 | $496 | $519 | $4,150–$6,000 |
| Blue Cross and Blue Shield of Kansas, Inc. | 3 | $635 | $646 | $3,400–$6,000 |
| Medica | 3 | $714 | $725 | $3,500–$6,000 |
| Oscar Insurance Company | 1 | $442 | $442 | $6,000 |
How Silver compares to the rest
States with similar Silver premiums
Kansas Silver plans, answered
What are the copays on Kansas Silver plans?
Who is eligible for a Silver plan in Kansas?
What is the deductible on Kansas Silver plans?
Are Silver plans available in my Kansas county?
When can I enroll in a Marketplace plan in Kansas?
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