Head-to-head, from CMS Plan Year 2026 data.
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Kansas is the cheaper of the two: a 40-year-old pays about $765/month for the median Silver plan, versus $789 — a difference of $24/month (3%) before subsidies.
| Kansas | Florida | |
|---|---|---|
| Median Silver @40 | $765 | $789 |
| Cheapest Silver @40 | $565 | $554 |
| Most expensive county @40 | $979 | $2,203 |
| Age 27 | $463 | $454 |
| Age 60 | $1,200 | $1,177 |
| Carriers | 6 | 15 |
| Counties | 105 | 67 |
| 1-carrier counties | 14 | 1 |
| Plan types | EPO | EPO, HMO, POS, PPO |
Network note: Kansas has no PPO plans in 2026 while Florida does. If you work across county or state lines that difference matters more than the premium gap.
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: Kansas or Florida. 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.
A Kansas-to-Florida move triggers a 60-day special enrollment period, so the 15 carriers filing in Florida are open to you outside the usual window. The catch is on both ends — you normally need to have carried qualifying coverage for a day or more in the 60 days before moving, and moves made for treatment or travel are excluded.
Nothing transfers. You close the Kansas plan and enroll fresh against Florida’s 67 counties, which means a new network and a new price regardless of which insurer you land on.
Of the 6 carriers in Kansas and 15 in Florida, UnitedHealthcare appears in both. That overlap is worth knowing if continuity of insurer matters to you, though the plan itself is new either way.
This is the asymmetry that bites. Florida has PPO plans across all 67 counties; Kansas sells none in any of its 105. The PPO is the plan type most likely to pay outside its own network, so heading toward Kansas usually costs you the ability to see Florida providers for anything short of an emergency.
Only one of the two can be your plan state. Marketplace eligibility runs on primary residence, so if you file from Kansas the Florida care is the out-of-network half, and the reverse if you file from Florida.
Neither Kansas nor Florida has one price. Give me a ZIP and I will pull the plans in that county and work out what help you qualify for.