CoveredFarmers

Self-Employed Health Insurance in Kansas

Self-employed health insurance in Kansas changed for 2026 because the enhanced ACA subsidies ended with 2025, so many renewals came with less help attached. If you grow wheat, run cattle or work for yourself, your renewal deserves a closer read than usual.

  • Garden City
  • Salina
  • Dodge City

Updated October 2026 Reviewed by Ryan Michalek, licensed health insurance advisor, NPN 21043091

The moment this page is for

Nobody hands you a benefits packet. You buy your own coverage, the 2026 renewal came in higher, and it may not even be the same plan you chose last year. In Garden City, Salina and Dodge City the question is the same: what exactly am I renewing into, and is it still right for us.

What changed in Kansas for 2026

The enhanced ACA subsidies expired at the end of 2025. For many Kansas households who pay their own premium, the 2026 renewal carries less help than last year's, so the same plan can cost more.

Kansas uses the federal marketplace, healthcare.gov, to compare plans and apply for help with the cost. Your income, your county and the plan you pick decide what you pay there.

Read the plan, not only the price

Plans change between years, and when one is dropped the marketplace can match you to another you did not pick. A new plan name on the letter is the signal to slow down. Check the network for the clinic and hospital you use, the deductible, and whether your prescriptions are still covered.

Who to talk to

Ryan Michalek at Michalek Health Solutions is the licensed advisor we refer Kansas readers to. NPN 21043091, NABIP member #525458, both public and both worth looking up before you talk to anyone about coverage, us included.

He will also tell you when the answer is to stay put. That happens often enough to be worth saying out loud.

Licensed advisor · Referral partner

Ryan Michalek

Michalek Health Solutions

NPN
21043091
NABIP member
525458

Our licensed partner is five-star reviewed on Google. The rating is the partner’s own.

Both numbers are public records. Worth checking before you talk to anyone about coverage, this site included.

Talk to a licensed advisor

Michalek Health Solutions (NPN 21043091) is the licensed advisor CoveredFarmers refers Kansas readers to.

Get my options

Kansas FAQ

Is CoveredFarmers an insurance agency?

No. CoveredFarmers is an independent information and referral resource, not an insurance agency or carrier. We connect you with a licensed insurance advisor, Michalek Health Solutions (NPN 21043091), and he is the one who can talk through what applies to you in Kansas.

Where do Kansas households shop for a marketplace plan?

Kansas uses the federal marketplace, so plans and any subsidy are on healthcare.gov. If a subsidized plan there still fits your household, that is usually the simpler path.

My renewal says I was moved to a different plan. What now?

Read what the new plan covers before you accept it. When an insurer leaves or drops a plan, the marketplace can move you into another one, and the network, deductible and drug list may not match what you had. Our renewal notice guide shows which parts of the letter to check.

What happens when I send the form?

It goes to Ryan Michalek at Michalek Health Solutions, a licensed advisor. He looks at your situation and tells you what options are open to you in Kansas, including when the answer is that your current plan is already the right one. There is no fee to you for the conversation.