Infographic: Health Insurance in Kansas 2021

Health insurance is considered essential to access quality healthcare and provides protection against excessive medical bills. The Kansas Health Institute (KHI) provides detailed information on Kansas insurance coverage throughout the year to inform the ongoing discussion about health insurance coverage opportunities in Kansas and at the national level. This infographic offers a first look at the recently released detailed data from the US Census Bureau. Follow us in the coming months TwitterFacebook or LinkedIn, and visit www.khi.org regularly for more information as it becomes available.

This infographic provides a high-level overview of coverage for 2,896,361 Kansans in 2021.

Highlights include:

  • More than 1.7 million Kansans were privately insured, including:
    • 1.5 million through employment-based coverage,
    • 58,269 through military or TRICARE insurance and
    • 176,594 from direct purchases, including 86,026 who purchased coverage on the Kansas marketplace created by the Affordable Care Act (ACA).
  • Another 885,487 had statutory health insurance, including:
    • 439,532 from Medicare,
    • 359,253 from Medicaid or the Children’s Health Insurance Program (CHIP),
    • 79,699 from both Medicare and Medicaid and
    • 7,003 from Veterans Affairs Health Care.
  • And 266,114 Kansans were uninsured, including:
    • 225,515 non-elderly adults and
    • 38,490 children.

Federal and state policies supported access to health insurance coverage during the COVID-19 pandemic. Medicaid and CHIP enrollments were allowed to remain enrolled without reassessment, and subsidies for purchasing a plan on the ACA marketplace were made more generous and applied to households with incomes above 400 percent of the federal poverty line (FPL; $26,500 for a family of four ) extended in 2021).

The American Rescue Plan Act of 2021 (ARPA) made households over 400 percent FPL newly eligible for a marketplace subsidy in 2021, but the amount they received depended on the Benchmark Plan premium and their household income. Households may have received $0 if their benchmark silver plan premium was less than 8.5 percent of their annual income — the effective maximum income to receive a subsidy.

Two-thirds (179,583 or 67.5 percent) of uninsured Kansans in 2021 had a household income that would have qualified them for subsidies to purchase health insurance in the Kansas market. Of those who would have qualified, 139,819 (77.9 percent) would have qualified for monthly premium reduction subsidies under the original terms of the ACA, and 39,764 (22.1 percent) would have newly qualified for subsidies under ARPA.

As of November 2022, Kansas is one of 11 states that have not expanded Medicaid coverage to adults with household incomes up to 138 percent of the FPL, as permitted by the ACA. South Dakota became the 39th state to expand Medicaid after passing a November 8 ballot initiative. In 2021, the Medicaid expansion would have covered single adults with annual household incomes up to $17,744 and adults in a family of four with annual household incomes up to $36,570.

If the state had expanded its Medicaid program in 2021, 72,355 low-income, uninsured Kansas adults would have been newly eligible for Medicaid coverage.

Another 29,473 low-income, uninsured Kansas adults and children were likely already eligible for Medicaid or CHIP but were not enrolled

NOTE on dates:
This infographic uses the latest available data sourced from the US Census Bureau’s 2021 American Community Public Use Microdata Sample and the Centers for Medicare and Medicaid Services Snapshot Report of Average Enrollment for Early 2022 and Full Year 2021. The Kansas population depicted is the non-institutionalized Kansas population. Estimates of the number of Kansans who are eligible for Medicaid or Marketplace plans and subsidies are based on the Census Bureau’s definition of household units, which consists of all people currently living in the sample household, regardless of what the members of the household related. Actual experience may vary as determining eligibility for Medicaid and the health insurance market involves different considerations.

This infographic is part of our Annual Insurance Update series.

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