Explore Blue KC plans for individuals and families
There’s a lot to consider when deciding which ACA health plan is best for your needs. Here, you can compare coverage levels and learn what information you’ll need to enroll.
Already a Blue KC member? Find more 2025 renewal information here.
Finding an affordable plan with the right coverage is easier than ever
Our new shopping experience makes comparing plans by features that are important to you simple. Plus, you can find out how much you’re eligible to save on your monthly premium.
Levels of coverage
To make it easy for you to shop and compare coverage, our plans provide benefits at a designated level, known as “metallic levels.” Blue KC offers Gold, Silver, and Bronze plans so you can find the right amount of coverage at a cost that works for you.
We have plans that fit your needs
Gold Plans
Pay 80% of covered costs on average
$0 in-network preventive healthcare services.
Copays for most prescription drugs.
Access to Rewards Program.
Silver Plans
Pay 70% of covered costs on average
Spira Care access with Choice plans.
$0 in-network preventive healthcare services.
Access to Rewards program.
Bronze Plans
Pay 60% of covered costs on average
Spira Care access with Choice plans.
Saver Bronze is HSA eligible.
$0 in-network preventive healthcare services.
Access to Rewards program.
More ways to save
Only Blue KC plans give you access to Spira Care centers and care providers—a great way to lower out-of-pocket costs. Enhanced care management and guidance makes it easy to save on office visits and medical costs, without sacrificing your standard of care.
$500
estimated yearly savings for a family of four
$120
yearly out-of-pocket savings for individual
How to choose and enroll in the right plan
There’s a lot to consider when deciding which ACA health plan is best for your needs. Here, you’ll get help with choosing a plan and collecting what information you’ll need to enroll.
Consider all the factors
Do you qualify for financial assistance to help pay for your health plan? If so, how much assistance will you receive? Think about your total healthcare costs—not just monthly premiums, but also out-of-pocket costs. That will help you determine which plan’s cost structure works best for you. And consider what additional benefits your ACA health plan offers to provide added value.
Go to our Insurance basics page for in-depth answers on topics including financial assistance eligibility and cost comparisons.
Be prepared before your enroll
Before starting the enrollment process, you should gather personal data, tax and financial information, and information for other members who’ll be on your ACA health plan. Our helpful checklist guide has a comprehensive list of everything you may need to enroll.
Check out our new How to enroll page or Download the guide.
Enrolling during the Special Enrollment Period
You can enroll in or change your plan because of life changes during the Special Enrollment Period. You may qualify if, during the past 60 days, you’ve gotten married, had a child, moved, lost coverage due to divorce or job change, or if someone on your plan has died. Learn about the Special Enrollment Period and see a list of qualifying events.
New government subsidies can make plans more affordable
70-80% of customers are eligible for subsidies, and new subsidy guidelines are driving lower premiums and out-of-pocket costs for many members, reducing premium costs for families in higher income tiers while also bringing low-income families’ premiums to $0 (or near $0).
Choosing your "metallic level"
When comparing plans on the Marketplace, all ACA plans are categorized as Bronze, Silver, Gold, or Platinum. Generally, categories with higher premiums (Gold and Platinum) pay more of your total healthcare costs, while Bronze and Silver pay less.
This can help you decide which metallic level is best for you. For example, if you don’t expect to use regular medical services or take regular prescriptions, you may want a Bronze plan. These plans can have lower monthly premiums, but have higher deductibles and pay less when you need care. If you expect frequent doctor visits or need regular prescriptions, then you may want a Gold plan. These plans usually have higher premiums but pay more of your costs when you need care.
