Kansas open enrollment 2027 Open enrollment · Kansas

Kansas Open Enrollment 2027 for Individuals

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For individuals and couples buying their own coverage in Kansas, open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov, and December 15 is the date to choose by for a January 1 start. A private, medically underwritten plan works on its own clock: if approved, it can start the first of any month, whether or not the window is open.

What 2027 looks like for you

Kansas's average 2027 rate change is 19.5% (finalized). One insurer is leaving Kansas's individual market, so some renewals arrive as a plan you did not pick. The details are on the Kansas 2027 premium increase page.

For 2027 the subsidy line is $63,840 for one person and $86,560 for a couple; above it, every metal level is full price. Bronze and catastrophic plans count as HSA-eligible starting with 2026 coverage, and the 2027 out-of-pocket cap is $12,000 for one person, which is the real worst case to compare.

Kansas this year

Kansas is on track for one of the larger 2027 increases I see, with a final average of about 19.5 percent; those prices are on HealthCare.gov now that the window is open. Five insurers filed, one is exiting, and two regional plans divide much of the state between them, so your county largely decides your choices. A single adult in Overland Park or Olathe often has more options than someone in Wichita, Topeka or western Kansas. Nothing at the state level, neither reinsurance nor added premium help, offsets that. One person earning over $63,840, or two over $86,560, absorbs the entire jump.

One thing to do before you choose

Johnson County renters who see specialists in Kansas City, Missouri, should verify that a 2027 plan covers providers on the Missouri side before picking on price. In western Kansas, where one regional plan may dominate a county, compare out-of-pocket costs and drug lists as closely as premiums. Now that the Kansas filings are final, rely on the numbers HealthCare.gov shows rather than last year's ranking.

Your checklist

Each plan's network type in your Kansas ZIP code
The out-of-pocket maximum next to the premium
Your 2027 income against the one- or two-person line
Bronze with an HSA if you rarely need care

Private plan or Marketplace?

Private plan

Healthy single adults or couples above the line: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

A health condition or income under the line: HealthCare.gov must accept you, and the subsidy can lower the price.

Compare Kansas plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including Kansas. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

When is the 2027 open enrollment deadline in Kansas?

January 15, 2027 on HealthCare.gov. Choose by December 15, 2026 for coverage that starts January 1; plans picked after that start February 1.

I do 1099 work now and just left a small Kansas employer. Can I keep the group plan instead of shopping?

Often, yes. Kansas continuation law usually lets you stay on an insured group plan as long as 18 months after at least three months on it, even at a very small employer, though you pay the full premium. Weigh that cost against Marketplace plans, since the end of job-based coverage gives you a window to enroll outside open enrollment.

Can I get a private plan in Kansas after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for Kansas

Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.

Written by Frank Caballero, licensed health insurance broker in Kansas and 30 other states, NPN 21032307. Last updated November 3, 2026.