ACA plans available
25
Plan year 2026
2026 data Public-data reference. official source
Cherokee, Kansas Health Insurance
Open-data reference.
25 ACA plans from 2 issuers - Plan year 2026
Cherokee, Kansas offers 25 ACA marketplace plans from 2 issuers for plan year 2026. Silver plans start at $590/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$635
Avg Silver Premium/mo
$595
Benchmark Premium/mo
+33.2%
Year-over-Year Change
$4,957
Avg Deductible
What the Numbers Say About Cherokee
Cherokee, Kansas has 25 ACA marketplace plans offered by 2 issuers for plan year 2026. The average Silver-tier premium comes in at $635/mo for a 27-year-old non-tobacco user, with the lowest Silver at $590 and the highest at $691.
The benchmark (second-lowest Silver) premium is $595/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,957 and the average out-of-pocket maximum is $8,552 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Cherokee shifted by +33.2%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 2 issuers active in Cherokee, consumers have some competitive choice, though narrower than the most competitive counties. Every plan sold in Cherokee is EPO -- there's no alternative network type in this county, so weigh EPO's referral rules and out-of-network coverage before enrolling. This page is informational only and is not insurance, medical, or tax advice, verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Silver
7 plans$635/mo avg
$590 - $691
Gold
9 plans$655/mo avg
$621 - $724
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Cherokee is $595/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
2
Some competition
Benchmark Silver
$595 /mo
Sets your subsidy ceiling
Avg deductible
$4,957
Across all metal tiers
Cherokee ACA plans by premium and deductible
Each marker is the Cherokee average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Cherokee, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Cherokee
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter from Sunflower Health Plan | 16 | $587/mo |
| Blue Cross and Blue Shield of Kansas, Inc. | 9 | $625/mo |
All Plans in Cherokee
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Everyday Bronze Ambetter from Sunflower Health Plan | Expanded Bronze | EPO | $472.78 | $576.54 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter from Sunflower Health Plan | Expanded Bronze | EPO | $474.90 | $579.13 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Sunflower Health Plan | Expanded Bronze | EPO | $488.52 | $595.73 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Sunflower Health Plan | Expanded Bronze | EPO | $490.71 | $598.40 | $7,500 | $10,000 |
| Elite Bronze Ambetter from Sunflower Health Plan | Expanded Bronze | EPO | $539.99 | $658.50 | $0 | $10,500 |
| BlueCare EPO Bronze Blue Cross and Blue Shield of Kansas, Inc. | Expanded Bronze | EPO | $544.77 | $664.32 | $8,300 | $9,300 |
| BlueCare EPO Standardized Expanded Bronze Blue Cross and Blue Shield of Kansas, Inc. | Expanded Bronze | EPO | $548.57 | $668.96 | $7,500 | $10,000 |
| Elite Bronze + Vision + Adult Dental Ambetter from Sunflower Health Plan | Expanded Bronze | EPO | $557.96 | $680.42 | $0 | $10,500 |
| BlueCare EPO Simple Bronze HDHP Blue Cross and Blue Shield of Kansas, Inc. | Expanded Bronze | EPO | $560.75 | $683.81 | $7,100 | $7,100 |
| Standard Silver Ambetter from Sunflower Health Plan | Silver | EPO | $589.67 | $719.08 | $6,000 | $8,900 |
| Focused Silver Ambetter from Sunflower Health Plan | Silver | EPO | $595.35 | $726.01 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter from Sunflower Health Plan | Silver | EPO | $609.29 | $743.01 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter from Sunflower Health Plan | Silver | EPO | $615.17 | $750.18 | $6,300 | $8,400 |
| BlueCare EPO Simple Silver HDHP Blue Cross and Blue Shield of Kansas, Inc. | Silver | EPO | $664.98 | $810.92 | $3,400 | $8,300 |
| BlueCare EPO Silver Plus Blue Cross and Blue Shield of Kansas, Inc. | Silver | EPO | $676.40 | $824.84 | $5,500 | $7,500 |
| BlueCare EPO Standardized Silver Blue Cross and Blue Shield of Kansas, Inc. | Silver | EPO | $690.85 | $842.46 | $6,000 | $8,900 |
| Standard Gold Ambetter from Sunflower Health Plan | Gold | EPO | $620.53 | $756.71 | $2,000 | $8,200 |
| Everyday Gold Ambetter from Sunflower Health Plan | Gold | EPO | $628.16 | $766.02 | $800 | $7,250 |
| BlueCare EPO Gold Plus Blue Cross and Blue Shield of Kansas, Inc. | Gold | EPO | $631.50 | $770.10 | $700 | $8,300 |
| Standard Gold + Vision + Adult Dental Ambetter from Sunflower Health Plan | Gold | EPO | $641.18 | $781.89 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter from Sunflower Health Plan | Gold | EPO | $649.07 | $791.51 | $800 | $7,250 |
| BlueCare EPO Gold Blue Cross and Blue Shield of Kansas, Inc. | Gold | EPO | $651.28 | $794.22 | $1,500 | $6,400 |
| BlueCare EPO Standardized Gold Blue Cross and Blue Shield of Kansas, Inc. | Gold | EPO | $652.81 | $796.08 | $2,000 | $8,200 |
| Elite Gold Ambetter from Sunflower Health Plan | Gold | EPO | $700.70 | $854.47 | $0 | $6,500 |
| Elite Gold + Vision + Adult Dental Ambetter from Sunflower Health Plan | Gold | EPO | $724.02 | $882.91 | $0 | $6,500 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $422/mo | $354 | $888 | 15 | 3 |
| 2023 | $434/mo | $395 | $505 | 14 | 2 |
| 2024 | $495/mo | $465 | $533 | 17 | 3 |
| 2025 | $509/mo | $466 | $587 | 18 | 4 |
| 2026 | $635/mo | $590 | $691 | 7 | 2 |
Frequently Asked Questions
How many ACA plans are available in Cherokee, KS?
There are 25 ACA marketplace plans available in Cherokee from 2 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Cherokee?
Silver plans in Cherokee start at $590/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Cherokee?
The benchmark (second-lowest Silver) premium in Cherokee is $595/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Cherokee?
Average premiums in Cherokee changed by +33.2% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Cherokee?
The average annual deductible across all plans in Cherokee is $4,957, and the average out-of-pocket maximum is $8,552. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Cherokee?
There are 2 insurance issuers offering ACA marketplace plans in Cherokee, including Ambetter from Sunflower Health Plan, Blue Cross and Blue Shield of Kansas, Inc.. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Cherokee, KS's $595/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
