Health Insurance Marketplace under the Affordable Care Act in 2024

In 2024, the number of health plans available on the Kansas marketplace has decreased due to Cigna Health and Life Insurance Company’s decision not to offer any plans in the state. This contrasts with Aetna Life Insurance Company, which is new to the marketplace and will only offer nine plans across 19 counties. Despite this, there are still eight insurers offering expanded bronze, silver, and gold plans, with one also offering a bronze plan and three offering catastrophic plans. However, platinum plans are still not being offered to individuals on the Kansas marketplace for the seventh year in a row. All plans offered are exclusive provider organization (EPO) plans that cover services provided in-network by a narrow network of providers unless in an emergency situation.

One essential health benefit that is included in premiums for children enrolled in ACA-compliant health plans in Kansas is dental coverage. For adults, however, dental coverage is not considered an essential health benefit and is not included in premiums. Some insurers offer policies that combine health and dental coverage for adults where the premium covers both policies, and Advanced Premium Tax Credits (APTC) can be applied. Alternatively, adults can purchase a stand-alone dental plan but must be enrolled in an ACA-compliant health plan as well. In this case, individuals would be responsible for two separate premiums for health and dental coverage, and APTC cannot be applied to stand-alone dental plan premiums. There are a total of 15 stand-alone dental plans available from five insurers in Kansas for 2024.

By Sophia Gonzalez

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