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 $807 — a difference of $43/month (6%) before subsidies.
| Kansas | Texas | |
|---|---|---|
| Median Silver @40 | $765 | $807 |
| Cheapest Silver @40 | $565 | $540 |
| Most expensive county @40 | $979 | $1,409 |
| Age 27 | $463 | $443 |
| Age 60 | $1,200 | $1,146 |
| Carriers | 6 | 15 |
| Counties | 105 | 254 |
| 1-carrier counties | 14 | 7 |
| Plan types | EPO | EPO, HMO, POS |
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 Texas. 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.
Relocating between Kansas and Texas counts as a qualifying life event. That buys a 60-day special enrollment period, dated from the move, to choose among Texas’s 15 filing carriers. Two conditions apply: at least one day of qualifying coverage during the 60 days beforehand, and the move cannot be purely for medical treatment or a holiday.
Your plan will not come with you. Marketplace coverage is sold state by state, so the Kansas policy ends and a Texas application begins — new network, new premium, even if the name on the card stays the same.
Some continuity is possible: Oscar Insurance Company and UnitedHealthcare file in both, out of 6 in Kansas and 15 in Texas. Same company is easier paperwork, but it is a different plan on a different network at a different price.
No PPO exists on either marketplace. Across 105 counties in Kansas and 254 in Texas, every plan is an HMO, EPO or POS, which puts out-of-area routine care outside the benefit in both directions.
Only one of the two can be your plan state. Marketplace eligibility runs on primary residence, so if you file from Kansas the Texas care is the out-of-network half, and the reverse if you file from Texas.
State averages hide enormous county-level spread. Whichever of Kansas or Texas you are in, your ZIP is what sets your premium.