Kansas
Cheapest ACA plans in Manhattan, Kansas for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Manhattan is in Riley County, Kansas. 3 carriers sell 2026 ACA plans on Healthcare.gov for residents of Riley County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $476/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Riley County, including Manhattan.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Manhattan (Riley County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Riley County |
|---|---|---|
| Bronze | $476 | 1 |
| Expanded Bronze | $501 | 13 |
| Silver | $689 | 12 |
| Gold | $725 | 14 |
The actual cheapest Bronze plan in Manhattan
UnitedHealthcare UHC Bronze Essential (No Referrals)
$476/moFor a family of four (two 40-year-olds and two kids under 14): UnitedHealthcare UHC Bronze Essential (No Referrals) at $1,523/month before subsidies.
Carriers selling 2026 plans in Manhattan
3 carriers sell 2026 plans on Healthcare.gov for Riley County residents; 2 additional carriers offer off-exchange-only plans (not subsidy-eligible). 76 plans total in Riley County.
| Carrier | On-exchange plans |
|---|---|
| Ambetter | 16 |
| UnitedHealthcare | 15 |
| BlueCross BlueShield of Kansas | 9 |
Also selling off-exchange only
These carriers sell plans directly (not through Healthcare.gov). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| Bankers Reserve Life Insurance Company of Wisconsin | 26 |
| Oscar | 7 |
What you'll actually pay in Manhattan
Estimated monthly net premium for the cheapest Bronze plan above ($476/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Riley Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $599/mo | $0/mo |
| $40,000 | 256% | $409/mo | $67/mo |
| $60,000 | 383% | $198/mo | $278/mo |
| $100,000 | 639% | — | $476/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | $2,154/mo | $0/mo |
| $80,000 | 249% | $1,664/mo | $0/mo |
| $130,000 | 404% | — | $1,523/mo |
| $200,000 | 622% | — | $1,523/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Manhattan, Kansas for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is UnitedHealthcare UHC Bronze Essential (No Referrals) at $476 per month before subsidies. Plans sell through Healthcare.gov. Manhattan is in Riley County, Kansas; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Manhattan's 2026 ACA pricing compare to other Kansas cities?
Cheapest Bronze for a 40-year-old in Manhattan is $476 per month before subsidies. For comparison: Wichita at $558/mo; Topeka at $448/mo; Kansas City at $442/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Does Kansas use Healthcare.gov?
Yes. Kansas participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. Kansas does not operate a state-based exchange.
Has Kansas expanded Medicaid?
No. Kansas has not adopted ACA Medicaid expansion. KanCare (the state Medicaid program) for non-disabled adults is narrow (parents below roughly 38% FPL, pregnant women, and categorically needy groups), which leaves a coverage gap for low-income working adults without children.
How big is the Kansas coverage gap?
Estimates vary but typically fall in the tens of thousands: adults earning below 100% FPL who are not eligible for KanCare under state rules and therefore cannot receive federal premium tax credits either. Options include federally qualified health centers, hospital charity care, and county indigent-care programs.
More Kansas pricing
- Statewide Kansas pricing and metal tiers
- Wichita pricingcheapest Bronze $558/mo
- Topeka pricingcheapest Bronze $448/mo
- Kansas City pricingcheapest Bronze $442/mo
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Kansas Insurance Department for rate review, carrier filings, and consumer guidance.
- Kansas Department of Health and Environment: KanCare for state Medicaid eligibility under non-expansion rules.
- KFF: Kansas State Health Facts for Medicaid expansion status, coverage gap estimates, and enrollment counts.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.