Stats in Your State
The Simple Dollar has aggregated information for readers comparing Kansas' health insurance premiums with neighboring states. Below, you can find details on average premiums for single and family health insurance plans, Medicaid enrollment, and the role alcohol consumption plays in health insurance policies in the state of Kansas.
In 2009, a total of 252,348 children in the state of Kansas were enrolled in state and government-run health insurance programs. Between 2009 and 2010, CHIP and Medicaid programs in Kansas experienced a 2% growth, adding up to 257,422 enrolled children.
Individual Health Insurance Premiums
With an employee contribution average of $989 in 2011, Kansas employees paid less than the national average for their health insurance premiums. Compared to other West North Central states, only workers in North Dakota averaged less. States such as Missouri and South Dakota paid the highest, exceeding the national average.
Family Health Insurance Premiums
In terms of family health insurance premiums, Kansas employees contributed an average of $3,526 in 2011, which was $436 less than the United States’ average. Comparatively, all of Kansas’ neighboring states suffered higher premiums for family health insurance plans.
SAHIE Health Insurance Uninsured
The United States Census Bureau compiled a report in 2010 estimating that 15.8% of the Kansas population was uninsured for a total of 380,567 people. The report drew from the population at all income levels and races below the age of 65 years.
Rules in Your State
Health insurance guidelines vary from state to state, which is why it’s important to familiarize yourself with them should you choose to relocate to a given area. Kansas has its own legislature outlining health insurance regulations for policyholders within the state, as demonstrated below.
Kansas Rules: Alcohol & Your Health Insurance
According to a 2009 publication from the National Institute on Alcohol Abuse and Alcoholism, Kansas has historically consumed less alcohol per capita than the majority of the United States. However, that doesn’t mean that the laws are particularly lenient concerning alcohol and health insurance policies.
Losses Due to Intoxication:
According to Kansas law, insurance providers can deny customers health benefits if an insurance claim is made relating to excess alcohol consumption.
Health Insurance Parity for Alcohol-Related Treatment:
As of January 1, 2012, health insurance plans in Kansas must include coverage for treatment of alcohol-related disorders on par with the levels of benefits offered for medical and surgical conditions. By law, health plans may not impose higher deductibles, co-ins or co-pays, service limits, or financial limits than those granted for medical and surgical conditions.
More Rules for Kansas Residents
Starting in 2014, the Affordable Care Act will make sweeping changes to essential health benefits. This document outlines those changes and how they affect Kansas state health insurance regulations.
For reference to specific clauses, the general public may review up-to-date copies of the Kansas Insurance Department’s rules and regulations as maintained by the Kansas Secretary of State.
Representatives & Resources in Your State
If the information provided by the Simple Dollar regarding health insurance doesn’t answer all of your questions, there are various authorities in Kansas you can contact directly. The following representatives and resources may help you with any unanswered questions about specific claims, policies, and other information.
Kansas Department of Health and Environment
The KDHE is a government agency promoting public health and environmental prosperity in the state of Kansas.
Kansas Department for Aging and Disability Services
Elderly and disabled individuals may find appropriate health information through the Kansas Department for Aging and Disability Services.
Insure Kids Now provides resources for children’s health coverage programs in individual states.