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Types of Private Health Insurance and Average Costs in Kansas City

There are many options for people to choose from when it comes to private health insurance. In this article, we’ll go over the types of plans and the average costs in Kansas City. You’ll also learn about some alternatives to private health insurance and the cost of a Bronze or Silver health plan.

Average cost of private health insurance in Kansas City

While health insurance is typically acquired through employer benefits and government programs, you can also purchase coverage on the Kansas and Missouri insurance exchange. While the lower premiums of a cheaper plan may be tempting, keep in mind that they usually have high out-of-pocket maximums, which can be devastating in the event of a major medical emergency. A higher premium, however, will typically offer lower out-of-pocket maximums, something that can make the difference between affordable health insurance and unaffordable health care.

If you’re interested in health insurance, Kansas City is home to several independent agencies that can help you find the best deal. AKP Health Insurance, for example, is a local agency that offers family, individual, and group health insurance plans. Their agents can help you determine the best plan for your needs and budget, and they can also help you get supplemental insurance coverage. In addition, they can help you get disability insurance and travel medical insurance.

Premiums vary considerably by tier. A 40-year-old individual would pay an average of $313 per month for a Bronze plan through BCBSKC. Similarly, a 60-year-old individual would pay $1121 per month for a Silver plan. Premiums tend to increase with age, but younger individuals have fewer health concerns, so they’ll have lower out-of-pocket expenses. Those looking for a lower monthly premium may be interested in Expanded Bronze plans, which would be less costly than a Silver plan but would have a higher deductible in case of unexpected medical costs.

The price of health insurance in Kansas and Missouri has increased in recent years. The federal Affordable Care Act (ACA) has made private health insurance in Kansas and Missouri more expensive. The average cost of individual health insurance policies in Kansas and Missouri has gone up by more than 55 percent since the beginning of 2016. The federal government is considering changes to the law that would reduce premium costs.

The cost of health insurance varies by state. Individuals can choose between employer-sponsored and ACA exchange coverage. The break-even point budget assumes that a family covered by employer-sponsored insurance pays a portion of the premium, while those who are uninsured pay the remainder out-of-pocket. For those without employer-sponsored insurance, the state assumes the family has public insurance or purchased private health insurance through the exchange.

Alternatives to private health insurance

There are many different options for those who don’t qualify for private health insurance. There are also faith-based organizations and “health sharing ministries” that can cover a portion of the cost of medical bills. While these groups are not regulated by the state, they still count as health insurance, and you don’t have to pay the federal penalty for being uninsured if you join them. You can choose to receive basic or major services, and the plan also provides optional vision benefits.

The Affordable Care Act’s open enrollment period will run from Nov. 1 through Dec. 15, so it’s time to begin planning for the future. Although the Affordable Care Act will provide coverage to millions of Americans in 2020, you should also consider the various alternative coverage options. Some will offer immediate financial relief, but others might not offer comprehensive health coverage. It’s best to talk to a licensed agent who can help you make the best decision for your needs.

There are several options for those who don’t qualify for private health insurance in Kansas City. First and foremost, you can visit the Healthcare2U clinic, which is one of the first of its kind in the state. It’s part of the larger Private Physician Network, which has clinics in more than twenty-six states.

Other options for those looking for health coverage include the ACA individual market. Although premiums have been volatile in recent years due to spikes, there are now two major carriers that offer individual plans in Kansas City. Medica is a Minnesota-based carrier that covers most of the state’s residents in ACA plans.

Cost of Silver health plan in Kansas City

Silver health plans offer the most balance between monthly premiums and out-of-pocket expenses, offering the greatest savings potential. These plans are also ideal for people who qualify for premium tax credits and cost-sharing reductions. This kind of health insurance in Kansas and Missouri splits the costs of health care services 70/30 between policyholders and insurers. Gold plans are the most expensive health insurance plans in the state. They have the highest premiums but lower out-of-pocket costs, which is ideal for people who need to visit their doctor frequently or take prescription drugs.

Before the Affordable Care Act (ACA), people earning more than 200 percent of the federal poverty level would not be eligible for cost-sharing subsidies. The new ACA allows people with incomes of at least $24,000 to qualify for minimal cost-sharing subsidies. They would have to pay a $7,350 deductible if they had not been eligible for cost-sharing subsidies. In addition, people with higher incomes can use the premium subsidy to purchase a higher metal level and more comprehensive coverage.

When choosing a health insurance plan, make sure you understand what each one offers. Bronze plans pay 40 percent of healthcare costs, Silver plans pay 30 percent, and Gold plans pay 20 percent of your out-of-pocket costs. You’ll also need to consider co-pays and deductibles. It’s important to think about all costs before making a decision.

Cost of Bronze health plan in Kansas City

There are many different health insurance options available in Kansas and Missouri. These plans vary from county to county, depending on how much coverage you need. Bronze plans are cheapest, while the most expensive are considered gold plans. Gold plans cover 80% of medical costs, with the subscriber responsible for 20%. Silver plans fall between bronze and gold plans in terms of monthly premiums, but lower out-of-pocket expenses.

Bronze health insurance policies tend to have the highest deductibles. These policies, sold in Kansas City by Medica and Blue Cross & Blue Shield Kansas City, can cost several thousand dollars. While they may not cover the most expensive treatments, they do provide coverage for preventive care and routine medical exams.

If you use a lot of health care, you may want to consider a Bronze plan. A bronze plan has a low monthly premium but a high out-of-pocket limit. It will be cheaper for people who visit the doctor often and take prescription drugs frequently.

A Bronze plan typically covers 40% of your total healthcare costs. A Silver plan covers 30%. A Gold plan pays 20%. These plans may have deductibles or co-pays, depending on your needs. The cost of a Bronze health plan in Kansas City can vary.

The ACA has changed the health insurance market in Kansas and Missouri. With the rising cost of medical care, the value of health insurance is growing. But many families are finding it hard to find affordable coverage. In Kansas City, a Bronze plan can cost a family of four more than twenty thousand dollars a year.

Kansas City Health Insurance Broker Services

Individual Health Insurance

As Kansas City Insurance Brokers, we offer our customers individual health insurance plans and Marketplace Coverage. Marketplace coverage allows self-employed or individuals who are not covered, a free health insurance quote, and ability to enroll in a high quality health insurance plan at an affordable cost.

Group Health Insurance

Have you noticed the constant increases in your business group health plan? How happy are you and your employees with your current coverage? When was the last time you shopped around? Maybe it’s time to think about looking for better coverage and price for you and your employees. Everyone is in need of an overall lower cost and employer contribution discounts. Let us do the research for you at no cost.

Life Insurance

Life insurance is one of the cheapest insurances you can purchase for various aspects of life, but sadly enough, the least purchased. One of the main purposes for this type of policy is to protect your loved ones in the event of your passing. What would happen to your family if your income was no longer available to them or your help around the house was no longer there? People don’t realize the value the other person has until it’s gone, but don’t let that be you.

Dental Insurance

Kansas City Insurance Brokers proudly offers dental coverage options to support our clients needs. Do you have a previous dentist that you like to go to? We will help you find coverage for a dentist in your preferred network. Don’t have a dentist? We can walk you through some of the available options in your area.

Vision Insurance

Kansas City Insurance Brokers is focused on finding you the best vision insurance plans to fit your life. We boast premier relationships with all major carriers so we’re able to take the guesswork out of making a decision, it’s our pleasure to do the work for you.

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Kansas City Health Insurance Broker Testimonials

I don't know much about insurance, but I know these are the people I want to work with. My rep has been Matt Sisk for the last two years and I hope he's my rep for the next fifty. Best customer service I've ever received, very quick responses, and very personable. He even asked me about my cat. Can't exaggerate it enough, if you get the opportunity ask for Matt Sisk. 10/10, he's so great

Ashley – Happy Client

I had the pleasure of working with Jacob Katzfey during Open Enrollment. He directed me to the right policy for my situation. His professionalism and ability to explain all the policy benefits made the process super easy and stress free. Thanks you for all your help.

Randy – Happy Client

Austin has been fantastic to work with. This was my first time getting an individual plan and he really helped me through out the whole process. I have already recommended him to many friends and family because I was so impressed with the high quality service he provided me. Thank you so much Austin for all your help and hard work.

Brik – Happy Client

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