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 $805 — a difference of $41/month (5%) before subsidies.
| Kansas | Utah | |
|---|---|---|
| Median Silver @40 | $765 | $805 |
| Cheapest Silver @40 | $565 | $559 |
| Most expensive county @40 | $979 | $1,125 |
| Age 27 | $463 | $526 |
| Age 60 | $1,200 | $1,134 |
| Carriers | 6 | 6 |
| Counties | 105 | 29 |
| 1-carrier counties | 14 | 1 |
| Plan types | EPO | EPO, HMO |
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 Utah. 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 Kansas to Utah 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 Utah 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.
Coverage does not port across the state line. Ending in Kansas and starting in Utah is two separate transactions, and the plan you end up with in Utah is priced on its own county, not on what you paid before.
There is no overlap to lean on: none of Kansas’s 6 carriers file in Utah, where 6 other insurers write instead. Changing state means changing company.
No PPO exists on either marketplace. Across 105 counties in Kansas and 29 in Utah, every plan is an HMO, EPO or POS, which puts out-of-area routine care outside the benefit in both directions.
Splitting the year does not mean splitting the coverage. You can hold a marketplace plan only in your state of primary residence — the address you file from — not one in Kansas and another in Utah. The cost lands on care received in whichever of the two you did not choose.
Neither Kansas nor Utah has one price. Give me a ZIP and I will pull the plans in that county and work out what help you qualify for.