Having the right health insurance is essential for protecting your health and finances, especially if you don’t have coverage through an employer. Whether you’re self-employed, between jobs, or simply seeking a better plan, finding the right individual insurance plan in Kansas City can feel overwhelming. This guide will help you navigate your options and make an informed decision.

What Is an Individual Insurance Plan?

An individual insurance plan is a health insurance policy you purchase for yourself or your family, rather than through an employer or government program like Medicare or Medicaid. These plans cover essential health benefits such as:

• Doctor visits
• Hospital stays
• Prescription drugs
• Preventive care
• Maternity and newborn care
• Mental health services

In Kansas City, individual insurance plans can be purchased through private insurers or the Health Insurance Marketplace, where you may qualify for subsidies to reduce costs.

Types of Individual Insurance Plans Available in Kansas City

Kansas City residents have several types of individual health insurance plans to choose from:

Health Maintenance Organization (HMO)

• Requires you to use a network of doctors and hospitals.
• Requires a primary care physician (PCP) and referrals for specialists.
• Typically has lower premiums and out-of-pocket costs.

Preferred Provider Organization (PPO)

• Allows more flexibility in choosing healthcare providers.
• You can see specialists without referrals.
• Higher premiums, but better coverage for out-of-network care.

Exclusive Provider Organization (EPO)

• Covers care only from in-network providers (except in emergencies).
• No referrals required.
• A good balance of affordability and flexibility.

Point of Service (POS)

• Requires a PCP and referrals for specialists.
• Allows some out-of-network care at a higher cost.
• Best for those who want a mix of HMO and PPO benefits.

How Much Do Individual Insurance Plans Cost in Kansas City?

Your premium and out-of-pocket costs will depend on:
- Your age – Older individuals may pay more.
- Your location – Costs can vary based on Kansas City’s healthcare network.
- Plan type – HMOs tend to be more affordable, while PPOs provide more flexibility at a higher price.
- Income level – Many Kansas City residents qualify for Affordable Care Act (ACA) subsidies to lower premiums.

Can You Get Financial Assistance?

If you live in Kansas City and have a moderate or low income, you may be eligible for:

• Premium tax credits to lower your monthly costs.
• Cost-sharing reductions to reduce out-of-pocket expenses.
• Medicaid if your income meets Kansas or Missouri’s eligibility requirements.

Where to Buy an Individual Insurance Plan in Kansas City

Kansas City residents can purchase individual health plans through:
- HealthCare.gov (the ACA Marketplace) – Provides subsidized plans.
- Private insurance companies – Such as Blue Cross Blue Shield of Kansas City, Cigna, or UnitedHealthcare.
- Insurance brokers or agents – Can help you compare plans and find the best option.

Who Should Consider an Individual Insurance Plan?

Self-employed professionals & freelancers – If you run your own business or work as a contractor, an individual plan ensures you have medical coverage.

Those between jobs – If you're transitioning between jobs and don’t have employer-sponsored coverage, a marketplace plan can provide temporary or long-term coverage.

Families without employer coverage – If your spouse’s employer doesn’t provide family coverage, you can find a plan that fits your needs.

Early retirees – If you're retiring before Medicare eligibility at 65, an individual plan can bridge the gap.

How to Choose the Best Individual Insurance Plan in Kansas City

Assess Your Healthcare Needs – Consider how often you visit the doctor, any prescriptions you take, and whether you need specialist care.

Compare Costs – Look at premiums, deductibles, copays, and out-of-pocket maximums to find a balance that fits your budget.

Check the Provider Network – If you have preferred doctors or hospitals, ensure they are in-network to avoid extra costs.

Review Benefits and Coverage – Ensure your plan covers essential services like maternity care, mental health, and preventive care.

Get Started with Your Health Insurance Plan Today

Choosing the right individual insurance plan in Kansas City doesn’t have to be complicated. By exploring your options, comparing costs, and checking for subsidies, you can find a plan that fits your needs and budget.

Need help selecting a plan? Consult BBS Insurance today!