Health insurance prices in Clay County, KS (2026)
40 marketplace plans from 3 insurers. Cheapest plan $476/mo; typical Silver $723/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 3.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $476–$715 (typical $563) · Silver $689–$881 (typical $723) · Gold $725–$846 (typical $775)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 16 | $552 | $572 | $703 | $753 | Everyday Bronze | |
| UnitedHealthcareUnitedHealth Group | 15 | $476 | $516 | $728 | $774 | UHC Bronze Essential (No Referrals) | |
| Blue Cross and Blue Shield of KansasIndependent Blue Cross Blue Shield company | 9 | $695 | $700 | $863 | $831 | BlueCare EPO Bronze |
All 40 plans in Clay County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | EPO | $476 | $10,600 | $10,600 | $16,317 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | EPO | $501 | $7,500 | $10,000 | $16,015 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision, No Referrals) | Expanded Bronze | EPO | $516 | $7,500 | $10,000 | $16,196 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | EPO | $533 | $0 | $10,600 | $17,001 | |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Expanded Bronze | EPO | $549 | $0 | $10,600 | $17,182 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | EPO | $552 | $8,450 | $10,150 | $16,776 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | EPO | $555 | $7,500 | $10,000 | $16,656 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $571 | $8,450 | $10,150 | $16,996 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $573 | $7,500 | $10,000 | $16,877 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | EPO | $631 | $0 | $10,500 | $18,068 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $652 | $0 | $10,500 | $18,320 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $689 | $6,000 | $8,900 | $17,164 | |
| Blue Cross and Blue Shield of Kansas | BlueCare EPO Bronze | Expanded Bronze | EPO | $695 | $8,300 | $9,300 | $17,640 | |
| Ambetter (Centene) | Focused Silver | Silver | EPO | $695 | $6,300 | $8,400 | $16,744 | |
| Blue Cross and Blue Shield of Kansas | BlueCare EPO Standardized Expanded Bronze | Expanded Bronze | EPO | $700 | $7,500 | $10,000 | $18,398 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $712 | $6,000 | $8,900 | $17,439 | |
| Blue Cross and Blue Shield of Kansas | BlueCare EPO Simple Bronze HDHP | Expanded Bronze | EPO | $715 | $7,100 | $7,100 | $15,685 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | $716 | $4,000 | $10,150 | $18,744 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | EPO | $718 | $6,000 | $8,900 | $17,514 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | EPO | $718 | $6,300 | $8,400 | $17,021 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $725 | $2,000 | $8,200 | $16,896 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Silver | EPO | $728 | $3,250 | $9,200 | $17,938 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | EPO | $731 | $4,000 | $10,150 | $18,925 | |
| Ambetter (Centene) | Everyday Gold | Gold | EPO | $734 | $800 | $7,250 | $16,053 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | EPO | $735 | $2,000 | $8,200 | $17,016 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) | Silver | EPO | $743 | $3,250 | $9,200 | $18,119 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $749 | $2,000 | $8,200 | $17,186 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | EPO | $758 | $800 | $7,250 | $16,346 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Gold | EPO | $761 | $500 | $7,000 | $16,128 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Gold | EPO | $774 | $0 | $7,000 | $16,286 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) | Gold | EPO | $776 | $500 | $7,000 | $16,309 | |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) | Gold | EPO | $789 | $0 | $7,000 | $16,467 | |
| Blue Cross and Blue Shield of Kansas | BlueCare EPO Gold Plus | Gold | EPO | $806 | $700 | $8,300 | $17,968 | |
| Ambetter (Centene) | Elite Gold | Gold | EPO | $818 | $0 | $6,500 | $16,320 | |
| Blue Cross and Blue Shield of Kansas | BlueCare EPO Gold | Gold | EPO | $831 | $1,500 | $6,400 | $16,371 | |
| Blue Cross and Blue Shield of Kansas | BlueCare EPO Standardized Gold | Gold | EPO | $833 | $2,000 | $8,200 | $18,194 | |
| Ambetter (Centene) | Elite Gold + Vision + Adult Dental | Gold | EPO | $846 | $0 | $6,500 | $16,647 | |
| Blue Cross and Blue Shield of Kansas | BlueCare EPO Simple Silver HDHP | Silver | EPO | $848 | $3,400 | $8,300 | $18,480 | |
| Blue Cross and Blue Shield of Kansas | BlueCare EPO Silver Plus | Silver | EPO | $863 | $5,500 | $7,500 | $17,855 | |
| Blue Cross and Blue Shield of Kansas | BlueCare EPO Standardized Silver | Silver | EPO | $881 | $6,000 | $8,900 | $19,476 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $476 | $563 | $715 | 14 | $7,500 | $10,075 | $16,937 |
| Silver | $689 | $723 | $881 | 12 | $5,750 | $8,900 | $17,897 |
| Gold | $725 | $775 | $846 | 14 | $750 | $7,125 | $16,419 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.