Ranked 9 of 15 states · median $765/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old accountant in Kansas pays a median $765/month for a Silver plan before subsidies — 9th of 15 on cost. The cheapest plan in the state is $565 from Oscar in Anderson. On cheapest Silver at age 27, Kansas ranks 11 of 15 for this occupation.
Screen-based work skews younger and healthier, which is exactly the profile a high-deductible plan is built for. The risk is real — you carry the first several thousand dollars yourself — so the tables below show what a healthy buyer pays across the age curve, not just at 40.
Occupational context: Sedentary strain: eye strain, repetitive stress, and Q1 stress load.
Two things get confused here constantly. Risk exposure decides what coverage you should buy. It does not decide what you are charged — Kansas carriers rate on age, ZIP, tobacco and family size, full stop. A accountant with a bad back and a healthy 40-year-old office worker in the same county see the same number.
Premium is set by rating area, so a accountant in one Kansas county can pay materially more than one an hour away. Six counties from across the state, cheapest Silver plan for a 40-year-old:
| County | Cheapest Silver @40 | Issuer | Deductible | Carriers |
|---|---|---|---|---|
| Kearny | $882 | Blue Cross and Blue Shield of Kansas | $3,400 | 1 |
| Anderson | $565 | Oscar | $6,000 | 4 |
| Osage | $565 | Oscar | $6,000 | 4 |
| Allen | $588 | Oscar | $6,000 | 3 |
| Geary | $689 | Ambetter from Sunflower | $6,000 | 3 |
| Saline | $689 | Ambetter from Sunflower | $6,000 | 3 |
The spread across just these six is $317/month — $3,808 a year for the same metal tier. Statewide the range runs $565 to $979. Coverage by County publishes all 105 Kansas counties individually.
| Kansas — the age curve | 2026 |
|---|---|
| Cheapest Silver @27 | $463 |
| Cheapest Silver @40 | $565 |
| Cheapest Silver @60 | $1,200 |
| Cheapest Bronze @40 | $442 — UnitedHealthcare |
| Bronze deductible | $10,600 |
| Lowest deductible in state | $500 |
A 27-year-old accountant in Kansas starts at $463; the same plan class at 60 starts at $1,200 — roughly 2.6× as much. If a Bronze plan here is HSA-qualified, the deduction plus low claim volume usually beats Silver on total annual cost. Confirm HSA eligibility on the plan document, not the metal tier.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. 3,058 plan records across 105 Kansas counties. Full-price filed rates before premium tax credits — verify at enrollment.
Cheaper for the same coverage: Michigan ($708), South Dakota ($725), Oklahoma ($731). More expensive: Florida ($789), Utah ($805), Texas ($807).
Side-by-side: Kansas vs South Dakota · Kansas vs Oklahoma · Kansas vs Florida · Kansas vs Utah
Cross-state numbers are useful for understanding whether Kansas is treating you well, not for arbitrage. You cannot buy an out-of-state exchange plan. If you are a accountant weighing a relocation for other reasons, the premium difference is a real line item worth putting in the decision.
Expense categories that typically apply to this trade: Software, licensing, CPE credits, home office. Premiums are generally deductible above the line under IRC §162(l) when no employer plan is available to you or your spouse — a question for your CPA, not your agent.
If your household income is above the subsidy range, ACA is not automatically the answer. There are other categories of coverage that may fit, and they work very differently. That is a conversation, not a web page.
The cheapest Silver plan for a 40-year-old in Kansas is $565 per month from Oscar, with a state median of $765. Both figures are full price before premium tax credits; most buyers pay less after subsidies.
No. Under the ACA, carriers cannot rate, decline, or exclude based on occupation or health history. Rates vary only by age, ZIP code, tobacco use and household size.
No. Only EPO plans were filed for 2026.
Kansas ranks 9 of 15 states covered here, at a median $765 per month. Indiana is cheapest at $558 and Nebraska is most expensive at $875.
This page compares states. For Kansas specifically — county-by-county carriers, plan data and enrollment help — I publish that on Coverage by County, including a page written for Accountants in Kansas and a blog covering deductibles, subsidies and special enrollment.