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2021 Affordable Care Act Health Insurance Marketplace (December 2020)

By Hina B. Shah, M.P.H., Cheng-You Tsai, M.P.H., Phillip Steiner, M.A. | December 08, 2020

2021 Affordable Care Act Health Insurance Marketplace (December 2020)

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The eighth annual open enrollment period for the Kansas health insurance marketplace created by the Affordable Care Act (ACA) began November 1, 2020, and ends December 15, 2020. Coverage for individuals who enroll during this open enrollment period becomes effective January 1, 2021. The most recent enrollment count shows 79,847 Kansans had coverage through the Kansas marketplace in 2020.

This brief provides information about health insurance plan options and premium costs in each of the seven rating areas in Kansas for plan year 2021, as well as discussion of financial assistance options and factors impacting enrollment.

Key points from the brief include:

  • Consumers shopping for a 2021 plan on the Kansas marketplace are able to choose from among 100 health insurance plans offered by six insurers.
  • Following the trend from previous years, all of the plans offered for 2021 have a “narrow network” of providers which generally covers only services provided in-network, except in an emergency.
  • Based on their income, consumers may be eligible to receive financial assistance on the marketplace to reduce the cost of premiums and lower their out-of-pocket expenses.
  • For the second year, the average monthly premium decreased slightly in Kansas for 2021 to: $406 for a single adult age 27; $1,583 for a family of two 40-year-old parents with two children; and $2,103 for a 60-year-old married couple.
  • The stability of the marketplace requires a large pool of healthy consumers to offset those who are at increased risk of having a higher disease burden, such as those with pre-existing health conditions or who are older. It will be important to watch how emerging non-ACA-compliant plans impact the Kansas marketplace.

Additional resources can be found online at:

The Kansas Health Institute supports effective policymaking through nonpartisan research, education and engagement. KHI believes evidence-based information, objective analysis and civil dialogue enable policy leaders to be champions for a healthier Kansas. Established in 1995 with a multiyear grant from the Kansas Health Foundation, KHI is a nonprofit, nonpartisan educational organization based in Topeka.