Kansas Individual and Family Health Insurance

Secure Kansas health insurance plans throughout the state, including Lawrence, Kansas City, Shawnee, Topeka, Wichita and other locations.

Kansas Health Insurance 101

2.7 million people call Kansas home.  Of these residents, the average annual household income is $46,659.  While the majority of Kansans enjoy employer healthcare through their careers, there are 174,793 of you who independently work with Kansas health insurance providers to procure individual health insurance.

While common belief may assert that group coverage, also known as employer health insurance, is cheaper than buying individual health insurance on your own, Kansas’ statistics show that this misconception is not the case.  For example, employed Kansans who obtained large or small business health insurance paid $767 and $2,983 each month for individual and family health insurance, respectively.  In sharp contrast, health insurance purchased straight from Kansas health insurance providers was only 128 for an individual and $581 for a family of four. 

With these facts in mind, you may be able to obtain more affordable health insurance on the individual market, rather through your work’s group plan.  Even if you would like employer health insurance, the reality is that only 53% of Kansas corporations offer health plan coverage, and an even more disheartening 40% of companies who employ less than 50 workers offer small business health insurance.

What does this mean? All of these statistics translate into a higher number of Kansans seeking independent, individual health insurance – with a little bit of help from their friendly neighborhood health insurance agent, InsureMonkey.

Kansas Health Insurance Providers

Kansas’ High Risk Pool

In Kansas, 1,718 residents participate in the state’s “high risk pool.”  This pool was created by the Kansas legislature specifically to help those who were denied individual health insurance because of their pre-existing and serious medical conditions. 

As a member of the Kansas high risk pool, you will be responsible for monthly costs between $230 and $878, with the extraneous costs subsidized by the Kansas government.

You may be eligible to join the high risk pool if you have been rejected for individual health insurance due to your pre-existing conditions.  Contact the Kansas Uninsurable Health Insurance Plan at (800) 290-1368, x19 for more information today.


Kansas’ Uninsured

Unfortunately, Kansas faces 340,373 uninsured residents who lack health insurance for a rainbow of reasons, ranging from unemployment to entrepreneurs not purchasing self employed health insurance to workers who simply don’t have access to employer health insurance.  If you are uninsured, know that the situation may only be temporary, and InsureMonkey is standing by as your health insurance agent to help the healthcare tide turn for you.  


Kansas SCHIP

Health Wave is Kansas’ SCHIP program, which is funded by both the state and federal governments.  Operated by the Department of Social and Rehabilitation Services, Center for Medical Services, and the KHPA, clearly Health Wave is a statewide effort to give uninsured children access to healthcare. 

The major consideration for qualification is income, as the program is meant to help children from low income households.  To qualify, the total household income must fall between 100% and 200% of the federal poverty levels each month, and this number fluctuates depending upon how many members are in the household.  For example, in 2008, a child from a family of four would have qualified for Health Wave if the household income fell between $1,767 and $3,534 each month. 

More than 35,000 children currently receive health insurance through Health Wave.  If your family meets the above requirements contact Kansas Health Wave at (800) 792-4884 or click http://www.kansashealthwave.org/ today. 


Medicaid in Kansas

Kansas’ Medicaid program is an effort exhausted by both state and federal departments to offer health insurance to low income households, children, disabled individuals, pregnant women, the elderly and nursing home residents.  To qualify, Kansas residents must also fall below certain income guidelines:

•    Children
      o    Infants Ages 0-1:  $26,400 or 150% of the Federal Poverty Level
      o    Children Ages 1-5:  $23,408 or 133% of the Federal Poverty Level
      o    Children Ages 6-19:  $17,600 or 100% of the Federal Poverty Level
•    Parents
      o    Non-Working:  $4,836 or 27% of the Federal Poverty Level
      o    Working:  $5,916 or 34% of the Federal Poverty Level
•    Pregnant Women
      o    $26,400 or 150% of the Federal Poverty Level

For more information, please contact the Kansas Medical Assistance Program (KMAP) at (800) 766 9012.


(Facts throughout this page provided by the Kaiser Family Foundation at www.statehealthfacts.org and by The New Health Insurance Solution at www.tnhis.com.  Commentary provided by InsureMonkey.)

State Resources

State of Kansas

Website: http://www.kansas.gov/index.php
 
Executive Office
Governor: Kathleen Sebelius (D) (877) 579-6757
Head of Health Department: Roderick Bremby, Secretary, Department of Health and Environment (785) 296-0461
 
Senators
Sen. Sam Brownback (R) (620) 231-6040
Sen. Pat Roberts (R) (202) 224-4774
 
Medicaid Website: http://www.khpa.ks.gov/MedicalAssistanceProgram/default.html
Medicaid Director: Andrew Allison, PhD Medicaid Director and Deputy Director, Kansas Health Policy Authority (800) 766 9012
Department of Insurance Website: http://www.ksinsurance.org