Health Insurance Marketplace under the Affordable Care Act in 2024

Limited Options: Kansas Marketplace Consumers Face Challenges Choosing Health Insurance Plans

For the 2024 Kansas marketplace, Cigna Health and Life Insurance Company has opted to withdraw from offering health plans in the state after providing 25 plans across eight counties in 2023. In contrast, Aetna Life Insurance Company is new to the market and is offering only nine plans across 19 counties. Despite this, there are still expanded bronze, silver, and gold plans available from all eight insurers in Kansas, with one offering a bronze plan and three providing catastrophic plans. However, for the seventh year running, there are no platinum plans offered to individuals on the Kansas marketplace. All of these plans are exclusive provider organization (EPO) plans that cover services provided by an in-network “narrow network” of providers unless it is an emergency situation.

Dental coverage is considered an essential health benefit for children enrolled in ACA-compliant health plans in Kansas but not for adults. 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 opt to purchase a stand-alone dental plan but must also be enrolled in an ACA-compliant health plan. This means 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.

It’s worth noting that while there are fewer options available compared to previous years due to Cigna’s withdrawal from the marketplace, there are still several insurance companies offering various types of coverage options catering to different needs of consumers. The variety of options available makes it crucial for consumers to carefully review their choices before selecting a plan that best suits their needs while considering factors such as cost, network coverage and benefits offered.

Leave a Reply

Philadelphia to Host The Big Dill: World’s Largest Pickle Party – NBC10报道 Previous post The Ultimate Pickle Party: Unforgettable Experience in Philadelphia’s Largest Festival
Exciting Summer Science at Madison Public Library Next post Unleashing the Wonders of Science this Summer at Goodman South Madison Library