Ranked 9 of 15 states · median $765/mo · CMS PY2026
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A 40-year-old therapist 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 median Silver premium, Kansas ranks 9 of 15 for this occupation.
Patient-facing and on-your-feet work produces steady, predictable claims — routine visits, refills, physical therapy, the occasional urgent care. That profile is decided by copay design and by whether your providers are in network, not by the sticker premium, so carrier count sits alongside cost below.
Occupational context: Emotional load and burnout; sedentary strain.
None of that changes your price. ACA plans in Kansas are community rated — premium varies by age, ZIP code, tobacco use and household size only. Your occupation cannot be used to rate you, decline you, or exclude a condition. What it changes is which plan design is the right bet.
Premium is set by rating area, so a therapist 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 |
|---|---|---|---|---|
| Harper | $696 | Ambetter from Sunflower | $6,000 | 2 |
| Rice | $696 | Ambetter from Sunflower | $6,000 | 2 |
| Lyon | $698 | UnitedHealthcare | $4,000 | 3 |
| Labette | $719 | Ambetter from Sunflower | $6,000 | 2 |
| Pawnee | $739 | Ambetter from Sunflower | $6,000 | 2 |
| Gove | $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 and cost | 2026 |
|---|---|
| Median Silver premium @40 | $765 |
| Cheapest Silver @40 | $565 — Oscar (Anderson) |
| Most expensive Silver @40 | $979 |
| Carriers filing in the state | 6 — Ambetter from Sunflower, Blue Cross and Blue Shield of Kansas, Blue Cross and Blue Shield of Kansas City, Medica |
| Plan types available | EPO |
| Counties with only one carrier | 14 of 105 |
Kansas has 6 carriers filing and 14 of 105 counties served by a single issuer. For a therapist with an established provider relationship, that carrier count is the number that decides whether you keep your doctor.
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 therapist weighing a relocation for other reasons, the premium difference is a real line item worth putting in the decision.
If you file a Schedule C as a therapist, the categories that usually show up are: Licensing, malpractice insurance, EHR software, supervision. The health premium itself is normally an above-the-line deduction under IRC §162(l), which reduces AGI rather than requiring you to itemize. Your CPA should confirm it against your actual situation.
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. Kansas exchange plans are guaranteed issue and community rated, so a therapist pays exactly what anyone else of the same age in the same ZIP pays. Occupation is not on the application as a rating factor.
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.
Above the cliff. At this income a single-person household receives no premium tax credit for 2026 and pays the full premium.
This occupation sits above the cliff in 7 of the 20 states reported and below it in the other 13, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Marriage and Family Therapists (SOC 21-1013) in Kansas. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed therapist. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.
Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.
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 Therapists in Kansas and a blog covering deductibles, subsidies and special enrollment.
Right now 6 carriers file plans across the 105 counties of Kansas. Participation is reset annually, which is why Therapists should check the roster in November rather than assume this year’s options carry over.
On price the only honest number today is national: the Peterson-KFF read of 2027 filings puts the median proposed rise near 15%, spanning −1% to 54%. Final Kansas rates are not approved, so any precise 2027 figure quoted for this state is guesswork.
The window opens November 1, 2026, and December 15 is the date worth writing down — it is what secures January 1 cover in Kansas and everywhere else. You will find later dates quoted; they stem from a 2025 rule that was vacated in June 2026 and is under appeal.
There is still no PPO on the Kansas marketplace — not in any of its 105 counties. Every plan is an HMO, EPO or POS, which for a therapist working across a wide area is the binding constraint, not price.
Because Kansas sells no PPO in any of its 105 counties, the thing that will decide your 2027 experience is which network your providers sit in — and that is far easier to check now than during the rush.
Give me a ZIP and I will tell you three things:
Two Therapists on opposite sides of Kansas can be quoted very different premiums for the same plan. Your ZIP is what decides it.