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When you're looking for health insurance, Kansas residents have several options available, including some of the nation's top insurance companies. By understanding the right level of coverage to choose, the deductible to go for, and the copayment you can afford, you can feel confident in the health plan you choose for you and your family.

At HealthMarkets Insurance Agency, you can choose from thousands of health insurance policies from over 180 insurance providers nationwide. Since 2010, we've helped families across the country enroll in over 2 million plans, and our licensed Kansas agents are available at your convenience to find the right plan for you.

Choosing Your KS Health Care Plan

One of the concerns many families face when choosing which health plan to purchase is how to afford it. Thankfully with the Affordable Care Act of 2010, you have the option to choose how much you can pay for your health care and how much coverage you receive from your health insurance provider.

health insurance kansas level of insurance coverage metal levels bronze silver gold platinum

In general, you can choose from four types of health plans, or "metal levels" to find the right plan and coverage. Depending on how much you're able to pay in monthly premiums, you can choose how much coverage your health insurance provider can give when you receive health services, and how much you'll be left to cover out of pocket.

You can choose from these coverage levels:

  1. Bronze: 60% covered by your insurance provider, 40% covered by you.
  2. Silver: 70% covered by your insurance provider, 30% covered by you.
  3. Gold: 80% covered by your insurance provider, 20% covered by you.
  4. Platinum: 90% covered by your insurance provider, 10% covered by you.

A good way to tell which of these plans would suit you is to understand your own medical needs.

If you and your family are generally healthy and don't need to visit the doctor's office for more than annual checkups and the occasional prescription, you may benefit from a Bronze or Silver plan. Since your essential health benefits are covered regardless of which metal level level you purchase, you can benefit from paying low monthly premiums.

On the other hand, if your family needs to visit specialists or receive prescription drugs regularly, you may benefit from a Gold or Platinum plan. Though you may pay more in premiums each month, your out-of-pocket costs (e.g. deductibles, copay, coinsurance) will remain low or even be covered entirely when you receive health services. 

If you're unsure of which plan will work for your family, contact the friendly, licensed agents at HealthMarkets. Together, we can get you enrolled in the right plan for your budget and health needs.

Find Your Kansas Health Insurance from HealthMarkets

With free quotes available online or by phone, it is easy to find a policy that fits your needs and budget to comply with the provisions and requirements of the ACA. Give us a call at (800) 360-1402, or find a local Kansas agent for your affordable quote for health insurance options in Kansas.

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Sources:

Forbes: http://www.forbes.com/sites/investopedia/2013/10/01/how-to-choose-between-bronze-silver-gold-and-platinum-health-insurance-plans/

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