Ranked 9 of 15 states · median $765/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old private tutor 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 counties covered, Kansas ranks 2 of 15 for this occupation.
Once your work crosses county and state lines, network geography stops being a detail and becomes the whole decision. An HMO contracted in one metro leaves you paying cash 200 miles down the road, and a handful of states filed no PPO at all for 2026. These rankings lead with reach.
Occupational context: Sedentary strain; travel between client homes.
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 private tutor 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 private tutor 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 |
|---|---|---|---|---|
| Harvey | $696 | Ambetter from Sunflower | $6,000 | 2 |
| Sedgwick | $696 | Ambetter from Sunflower | $6,000 | 2 |
| Marshall | $698 | UnitedHealthcare | $4,000 | 3 |
| Neosho | $719 | Ambetter from Sunflower | $6,000 | 2 |
| Pratt | $739 | Ambetter from Sunflower | $6,000 | 2 |
| Graham | $746 | Ambetter from Sunflower | $6,000 | 2 |
The spread across just these six is $50/month — $599 a year for the same metal tier. Statewide the range runs $565 to $979. Coverage by County publishes all 105 Kansas counties individually.
| Kansas — network reach | 2026 |
|---|---|
| Counties in the state | 105 |
| Counties with only one carrier | 14 (13%) |
| Plan types available | EPO |
| PPO available on exchange | No |
| Carriers filing in the state | 6 |
| Cheapest Silver @40 | $565 — Anderson |
Kansas has no PPO plans on the exchange at all. For a private tutor covering distance, that single fact outweighs premium: 14 of 105 counties here are served by one carrier, so an HMO bought in one metro may leave you out of network for the rest of your route.
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
Read the comparison as context, not as a shopping list. Your county of residence determines what you can buy, and for a private tutor that is fixed unless you relocate. Where it is actionable is a move already in progress — that is a qualifying life event, and you have 60 days on either side of it.
Self-employed Private Tutors in Kansas typically deduct: Materials, vehicle mileage, background checks, software. Health premiums sit separately, above the line under IRC §162(l), and only when neither you nor a spouse could have joined an employer plan — eligibility disqualifies you even if you declined the coverage.
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 Private Tutors in Kansas and a blog covering deductibles, subsidies and special enrollment.