Head-to-head, from CMS Plan Year 2026 data.
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Indiana is the cheaper of the two: a 40-year-old pays about $558/month for the median Silver plan, versus $765 — a difference of $206/month (37%) before subsidies.
| Indiana | Kansas | |
|---|---|---|
| Median Silver @40 | $558 | $765 |
| Cheapest Silver @40 | $440 | $565 |
| Most expensive county @40 | $699 | $979 |
| Age 27 | $361 | $463 |
| Age 60 | $934 | $1,200 |
| Carriers | 5 | 6 |
| Counties | 92 | 105 |
| 1-carrier counties | 0 | 14 |
| Plan types | EPO, HMO, POS | EPO |
Source: CMS Plan Year 2026 Qualified Health Plan Landscape. Full-price filed rates before premium tax credits; not a quote or an offer of coverage.
This page sets two states against each other. For county-by-county carriers, plan data and help actually enrolling, I publish a page for each state on Coverage by County: Indiana or Kansas. There is also a blog covering deductibles, subsidies and special enrollment periods.
Put your ZIP code in and I will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to me — not a call center.
Moving permanently from Indiana to Kansas is a qualifying life event, so you get a 60-day special enrollment window counted from the move date — time enough to work through the 6 carriers filing in Kansas without waiting for open enrollment. Two conditions trip people up: you generally need to have held qualifying coverage for at least one day in the 60 days before the move, and relocating purely for treatment or a holiday will not qualify.
Your plan will not come with you. Marketplace coverage is sold state by state, so the Indiana policy ends and a Kansas application begins — new network, new premium, even if the name on the card stays the same.
Of the 5 carriers in Indiana and 6 in Kansas, UnitedHealthcare appears in both. That overlap is worth knowing if continuity of insurer matters to you, though the plan itself is new either way.
No PPO exists on either marketplace. Across 92 counties in Indiana and 105 in Kansas, every plan is an HMO, EPO or POS, which puts out-of-area routine care outside the benefit in both directions.
You cannot carry one plan in Indiana and a second in Kansas. Eligibility follows primary residence, the address on your return, and everything received in the other state is normally out of network.
Picking between Indiana and Kansas on the headline number is a mistake. Enter your ZIP and I will show you what is actually filed for you.