Open enrollment to buy health coverage for 2015 has ended. Under the Affordable Care Act, most Americans must have health insurance or pay a penalty when they file their tax returns. Many uninsured Kansans will be faced with this penalty for the first time when they file their 2014 taxes this year. To give those who were unaware of the penalty (and had to pay up) a chance to enroll in a plan for 2015 (and avoid paying a full year’s penalty next year), healthcare.gov has created a special enrollment period from March 15 to April 30. If you need help choosing coverage, give GetInsured a call — one of our certified brokers can sign you up!
What will my health insurance cover? And what will it cost? The answers depend on where in Kansas you live — Kansas City or Wichita, Dodge City or Topeka — because plans can vary around different parts of the state. But there are a few things every Kansan needs to know to choose the right coverage.
Can I get tax credits to help pay for health insurance in Kansas?
161,000 people in Kansas can get tax credits to help make health insurance more affordable. Check now to see if you’re likely to qualify for a tax credit.
When can I buy health insurance?
You can buy coverage and apply for tax credits
anytime during the year if you experience a qualifying event. Otherwise, you’ll need to wait until the next annual open enrollment period, which starts November 1, 2015.
How do I decide which health insurance plan is best for me?
You can get expert, personalized help choosing the right plan and claiming tax credits here on GetInsured.
Kansas and Healthcare Reform
Here are some questions you may have about how the Affordable Care Act works in the Sunflower State.
Where can I buy an ACA plan in Kansas?
Kansas is one of the states that does not run its own health insurance marketplace. Instead, it is served by the federal government’s site, healthcare.gov. To get help shopping there, give GetInsured a call — we’re a government-approved partner.
Who can get Medicaid or CHIP?
Most disabled adults, pregnant women, and children from lower-income households are eligible for Medicaid or CHIP (a.k.a. KanCare) in Kansas. Most other adults, even those with low incomes, probably won’t be. But it doesn’t hurt to check, or even apply, at KanCare.
Do smokers pay more for health insurance in Kansas?
Yes. If you are a tobacco user you may have to pay up to 50 percent more for health insurance. However, most plans have been charging on average only about 10 percent more, so smokers should still be able to find an affordable plan.
Is physical therapy covered?
If you need physical therapy and purchased your own ACA plan, you should be covered. Of course you’ll want to check your plan’s details or talk to your insurance company to make sure the services you’re looking for are included.
Do Kansas plans cover chiropractic care?
Many Kansas health plans cover chiropractic care and, unlike many other states, don’t preset the number of visits they’ll cover per plan year. To find out if your plan includes this coverage, read your policy’s summary of benefits or call your insurance company.
What about infertility treatments?
Kansas health plans offer some coverage, including services to diagnose and treat conditions that result in infertility. However, most plans don’t cover in vitro fertilization (IVF), in vivo fertilization, or other medically assisted insemination procedures. As always, read your plan’s summary of benefits for details.
Which Insurance Companies Offer Qualified Health Plans in Kansas?
You can find information about plans from these carriers when you shop on GetInsured.
Additional qualified health plans are available from the insurance companies listed below.
Contact healthcare.gov for details.
How Do I Find a Licensed Health Insurance Broker in Kansas?
You can check a broker’s license through the Kansas Insurance Department. And remember, when you’re shopping for health insurance, don’t go it alone — get help from an expert. A licensed health insurance broker will help you select the best plan at no cost to you.
Kansas Health Insurance Facts & Figures
|Largest Increase in Premiums for the Same Plan, from 2014 to 2015:||+20 percent|
|Largest Decrease in Premiums for the Same Plan, from 2014 to 2015:||-3 percent|
|Uninsured Kansans (pre-ACA Marketplaces):||347,000|
|Uninsured Kansans Eligible for Tax Credits:||161,000|
|Kansans Purchasing Own Health Insurance (Without Other Coverage):||192,000|
|Kansans With Only Employer-Sponsored Health Insurance:||1.39 million|
|Kansans With Only Medicaid or CHIP Coverage:||271,000|
Source: U.S. Census Bureau’s 2013 American Community Survey and the Kaiser Family Foundation
If you’re uninsured or looking to buy health insurance in Kansas, call GetInsured and ask us your questions. We’ll provide answers that help make shopping for insurance easy.
Updated February 17, 2015, 9:50pm