Health Insurance Marketplace under the Affordable Care Act in 2024

New Options and Coverage in Kansas Health Insurance Marketplace for 2024: What You Need to Know

For the upcoming year, Cigna Health and Life Insurance Company has decided not to offer health plans in Kansas, leaving eight insurers to compete for customers. In contrast, Aetna Life Insurance Company is new to the marketplace and will offer nine plans across 19 counties. All eight insurers in Kansas are offering expanded bronze, silver, and gold plans, with one also providing a bronze plan and three catastrophic plans. However, there are no platinum plans available on the Kansas marketplace for the seventh year in a row.

Despite the variety of options available on the Kansas marketplace, dental coverage is not considered an essential health benefit for adults and is not included in their premium cost. Instead, some insurers offer policies that combine health and dental coverage for adults where the premium covers both policies and Advanced Premium Tax Credits (APTC) can be applied. Alternatively, adults can opt to purchase a stand-alone dental plan but must also be enrolled in an ACA-compliant health plan.

For 2024, there are a total of 15 stand-alone dental plans available from five insurers in Kansas. It’s worth noting that all of these plans are exclusive provider organization (EPO) plans that cover services provided by a “narrow network” of providers unless in an emergency situation.

In summary, while there are several options available on the Kansas marketplace for individuals looking to purchase health insurance for themselves or their families, it’s important to carefully consider which plan offers the best coverage and benefits for their specific needs. Additionally, it’s important to note that dental coverage may not be included as part of standard coverage options but can be added as an additional policy or through other means such as employer-provided benefits or government programs like Medicaid.

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