Kansas · 2027 Open Enrollment

Kansas ACA health insurance for 2027

Open Enrollment for 2027 Kansas Marketplace plans runs November 1, 2026 – January 15, 2027. Enroll by December 15 for coverage starting January 1. Larry Hamilton is a licensed agent in Kansas and can help you compare every plan available at your ZIP code, online or by phone, at no extra cost.

What's new in Kansas for 2027

Medica is leaving the Kansas individual market after 2026, so about 600 members in the Kansas City area need a new plan. The average proposed increase for 2027 is about 24%.

Across the country, the median proposed 2027 premium increase is about 15% (Peterson-KFF Health System Tracker). The extra federal subsidies that capped premiums at 8.5% of income expired at the end of 2025, and the 400% of poverty "subsidy cliff" is back for 2027 (Congressional Research Service). That makes reviewing your plan and your income estimate more important than usual. See our 2027 subsidy income limits guide.

How to enroll in Kansas

Kansas residents enroll through HealthCare.gov, the federal Marketplace. You can apply directly or use an approved enhanced direct enrollment site like HealthSherpa. You get the same plans, prices and tax credits either way. Using Larry's secure HealthSherpa link, you:

1. Enter your Kansas ZIP code, household size and estimated 2027 income.
2. Compare Bronze, Silver, Gold and Platinum plans side by side, including premiums after tax credits, deductibles, doctors and prescriptions.
3. Pick a plan, submit your application and pay your first premium to activate coverage.

Prefer to talk it through? Call 803-851-3589. Because of new 2027 federal rules, you'll confirm by electronic authorization that you want an agent to help with your application (CMS, Sept. 2026).

2027 Kansas Marketplace insurers

• Ambetter from Sunflower Health Plan
• Blue Cross and Blue Shield of Kansas
• Blue Cross and Blue Shield of Kansas City
• Oscar
• UnitedHealthcare

Not every insurer sells plans in every county. Source: healthinsurance.org Kansas Marketplace guide and state rate filings, September 2026.

Medicaid and the coverage gap in Kansas

Kansas has not expanded Medicaid, so many low-income adults don't qualify for KanCare and may not get Marketplace tax credits below the poverty level. If your household may qualify for KanCare, you can apply any time of year. The Marketplace application will tell you if you're likely eligible.

Where we help in Kansas

We enroll individuals, families, self-employed workers and early retirees across Kansas, including Wichita, Overland Park, Kansas City, Topeka and Lawrence, plus rural counties. Everything is handled by phone and online, so there's no office visit.