Complete Care with BlueCare.

Open enrollment begins Nov. 1 and ends Dec. 15.

See if you qualify for financial assistance (step 1) and purchase BlueCare plans on the Marketplace (healthcare.gov).

You can also buy directly from Blue Cross.

Find health insurance in 4 easy steps

You can enroll in a BlueCare plan directly with Blue Cross or shop on the Health Insurance Marketplace (healthcare.gov)

If you don't have health insurance through a job, Medicare, Medicaid, the Children's Health Insurance Program (CHIP), or another source that provides qualifying health coverage, the Marketplace can help get you covered. You may even be able to get savings based on your income.

Step 1

See if you qualify for financial assistance

Step 2

Browse plans to determine what fits your needs and budget

Plan overview

Bronze plans

  • Lower monthly premium
  • Higher out-of-pocket costs when you receive medical care
  • A good option if you are a young adult and expect to have few health services during the plan year.

Silver plans

  • Monthly premium is generally higher than bronze
  • Moderate out-of-pocket costs when you receive medical care
  • A good option if you want to balance your monthly premium and out-of-pocket expenses.

Gold plans

  • Monthly premium is generally higher than Silver
  • Lower out-of-pocket costs when you receive medical care
  • A good option if you expect to have many health services during the plan year.

Step 3

Enroll now

If you qualify for financial assistance (see step 1), you can purchase Blue Cross plans through the Marketplace (healthcare.gov). If you do not qualify for financial assistance, you can buy directly from Blue Cross. We offer plans to help meet your needs and budget.

Step 4

Not sure which plan to choose?

Call our team at 866-285-2158.

We can answer your questions and even get you enrolled over the phone.

Affordable care act answers

    The Affordable Care Act (ACA) has significantly changed the U.S. health care system, bringing guaranteed issue of coverage, tax credits, and the Health Insurance Marketplace. Here's what Kansans like you need to know right now:

    Quality coverage for all

    The ACA provides greater access to health insurance by making it possible for anyone, regardless of their current or previous health condition, to purchase health insurance. It also mandates that all plans offered on the Marketplace include the same essential health benefits and preventive services.

    Essential health benefits

    No matter what plan you purchase, you are guaranteed to have essential health benefits including coverage for: ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance abuse disorders, prescription drugs, rehabilitative and habilitative services, laboratory services, preventive and wellness services, chronic disease management, and pediatric services, including oral and vision care.

     

    Preventive services

    Plans sold on the Marketplace also include preventive services you can receive with no cost-sharing involved. So things like breast and colon cancer screenings, screening for diabetes, blood pressure and high cholesterol, and routine vaccinations will all be provided without you having to pay a copay, deductible or coinsurance as long as the primary purpose of the visit was for the recommended preventive service.

    You may get financial assistance

    A number of Kansans will qualify for government assistance through an Advanced Premium Tax Credit or cost-sharing reductions. The tax credit is applied directly to your monthly payments.

     

    You can purchase a plan directly from us!

    Blue Cross and Blue Shield of Kansas provides many options to help put you in control of your health care. When you choose a health insurance plan, you want to get the most out of your health care dollars. That is why you can purchase a plan directly from us with a short application process you can complete online!

    You'll find us on the Marketplace

    If you're eligible for a tax credit, you'll need to go through the Marketplace. Benefits and pricing are the same, and you will have several options to consider.

     

    Finding a plan that fits

    Health insurance plans offered through the Marketplace and Blue Cross and Blue Shield of Kansas have different levels of coverage called “Metal Levels.” Levels are defined by the amount you pay in monthly premiums and how much your plan pays when you need care.

    What if I need coverage after enrollment ends?

    Open enrollment is typically only available Nov. 1 until Dec. 15 each year. During all other times of the year, you will be able to get coverage under special enrollment periods, but only for life changing events such as:

    • Marriage
    • Birth
    • Adoption
    • Loss of other coverage
     

    The advanced premium tax credit

    The premium tax credit is an advance, refundable tax credit designed to help eligible individuals and families with low or moderate income afford health insurance purchased through the Marketplace. You can choose to have the credit paid in advance to your insurance company to lower what you pay for your monthly premiums, or you can claim all of the credit when you file your tax return for the year.

    Income requirements

    The benefit levels of many government assistance programs are based on federal poverty levels (FPL), however, thanks to the American Rescue Plan Act, there is no income limit on premium tax credits. Instead, you qualify for a premium tax credits if your premiums exceed 8.5 percent of your overall household income. Use our calculator above to estimate your cost savings.

    Eligibility

    You are eligible for the premium tax credit if you meet all of the following requirements:

    • Purchase coverage through the Marketplace
    • Your estimated health insurance premiums exceed 8.5 percent of your income
    • Are not able to get coverage through a government program like Medicaid, Medicare, CHIP or TRICARE
    • File a joint return, if married
    • Cannot be claimed as a dependent by another person
    • Do not have access to qualified coverage through an employer
     

    Healthcare.gov - Health and Human Services' site dedicated to health care reform and home of the Health Insurance Marketplace

    IRS.gov - Learn about tax implications associated with health care reform

    Kaiser Family Foundation - Health policy, research and analysis tied to health care reform

    Employer Responsibility Under the Affordable Care Act - As of 2015, larger employers will face penalties if they don't make affordable health benefits coverage available. This flowchart illustrates how those employer responsibilities work.

    Health Insurance Marketplace calculator - Helpful tool from KFF that illustrates how tax credits will be calculated

    Kansas Insurance Department - Find details specific to the State of Kansas Health Insurance Marketplace

    WhiteHouse.gov - Special section on health care reform from the White House

    Blue Cross Blue Shield Association - Perspectives and information from the national association

    Helpful content from our Blog

    How to save on your monthly insurance bill with a premium tax credit

    When you apply for health insurance on the Marketplace (www.healthcare.gov), you can see if you qualify for a “premium tax credit” to lower the amount you pay each month for the insurance plan. The amount of the premium tax credit depends on your estimated household income for the year you want coverage.

    The difference between a health insurance & health plan

    How do you know if you are buying health insurance or a health benefit plan? Both are options Kansans will have as they consider their health coverage, but they are not created equal and some can leave you without necessary coverage.

    Learn more about premium costs