ACA plans available
40
Plan year 2026
2026 data Public-data reference. official source
Cloud, Kansas Health Insurance
Open-data reference.
40 ACA plans from 3 issuers - Plan year 2026
Cloud, Kansas offers 40 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $391/mo and Silver plans start at $565/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$618
Avg Silver Premium/mo
$570
Benchmark Premium/mo
+26.8%
Year-over-Year Change
$4,788
Avg Deductible
What the Numbers Say About Cloud
Cloud, Kansas has 40 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $618/mo for a 27-year-old non-tobacco user, with the lowest Silver at $565 and the highest at $723. Bronze plans start at $391/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $570/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 $4,788 and the average out-of-pocket maximum is $8,735 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Cloud shifted by +26.8%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Cloud, consumers have some competitive choice, though narrower than the most competitive counties. Every plan sold in Cloud 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
Bronze
1 plan$391/mo avg
$391 - $391
Silver
12 plans$618/mo avg
$565 - $723
Gold
14 plans$640/mo avg
$594 - $693
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Cloud is $570/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
3
Some competition
Benchmark Silver
$570 /mo
Sets your subsidy ceiling
Avg deductible
$4,788
Across all metal tiers
Cloud ACA plans by premium and deductible
Each marker is the Cloud 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 Cloud, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Cloud
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter from Sunflower Health Plan | 16 | $563/mo |
| UnitedHealthcare | 15 | $549/mo |
| Blue Cross and Blue Shield of Kansas, Inc. | 9 | $654/mo |
All Plans in Cloud
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| UHC Bronze Essential (No Referrals) UnitedHealthcare | Bronze | EPO | $390.66 | $476.39 | $10,600 | $10,600 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $411.05 | $501.27 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $423.43 | $516.35 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $437.43 | $533.43 | $0 | $10,600 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $449.80 | $548.52 | $0 | $10,600 |
| Everyday Bronze Ambetter from Sunflower Health Plan | Expanded Bronze | EPO | $452.78 | $552.15 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter from Sunflower Health Plan | Expanded Bronze | EPO | $454.81 | $554.63 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Sunflower Health Plan | Expanded Bronze | EPO | $467.85 | $570.53 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Sunflower Health Plan | Expanded Bronze | EPO | $469.95 | $573.09 | $7,500 | $10,000 |
| Elite Bronze Ambetter from Sunflower Health Plan | Expanded Bronze | EPO | $517.15 | $630.65 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter from Sunflower Health Plan | Expanded Bronze | EPO | $534.36 | $651.64 | $0 | $10,500 |
| BlueCare EPO Bronze Blue Cross and Blue Shield of Kansas, Inc. | Expanded Bronze | EPO | $569.93 | $695.01 | $8,300 | $9,300 |
| BlueCare EPO Standardized Expanded Bronze Blue Cross and Blue Shield of Kansas, Inc. | Expanded Bronze | EPO | $573.91 | $699.86 | $7,500 | $10,000 |
| BlueCare EPO Simple Bronze HDHP Blue Cross and Blue Shield of Kansas, Inc. | Expanded Bronze | EPO | $586.65 | $715.40 | $7,100 | $7,100 |
| Standard Silver Ambetter from Sunflower Health Plan | Silver | EPO | $564.72 | $688.66 | $6,000 | $8,900 |
| Focused Silver Ambetter from Sunflower Health Plan | Silver | EPO | $570.17 | $695.30 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter from Sunflower Health Plan | Silver | EPO | $583.52 | $711.58 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $587.28 | $716.16 | $4,000 | $10,150 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | EPO | $588.62 | $717.81 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter from Sunflower Health Plan | Silver | EPO | $589.15 | $718.44 | $6,300 | $8,400 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | EPO | $597.12 | $728.17 | $3,250 | $9,200 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $599.65 | $731.25 | $4,000 | $10,150 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $609.50 | $743.26 | $3,250 | $9,200 |
| BlueCare EPO Simple Silver HDHP Blue Cross and Blue Shield of Kansas, Inc. | Silver | EPO | $695.69 | $848.37 | $3,400 | $8,300 |
| BlueCare EPO Silver Plus Blue Cross and Blue Shield of Kansas, Inc. | Silver | EPO | $707.64 | $862.94 | $5,500 | $7,500 |
| BlueCare EPO Standardized Silver Blue Cross and Blue Shield of Kansas, Inc. | Silver | EPO | $722.75 | $881.37 | $6,000 | $8,900 |
| Standard Gold Ambetter from Sunflower Health Plan | Gold | EPO | $594.28 | $724.70 | $2,000 | $8,200 |
| Everyday Gold Ambetter from Sunflower Health Plan | Gold | EPO | $601.59 | $733.62 | $800 | $7,250 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $602.45 | $734.66 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter from Sunflower Health Plan | Gold | EPO | $614.05 | $748.82 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter from Sunflower Health Plan | Gold | EPO | $621.61 | $758.03 | $800 | $7,250 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $623.79 | $760.69 | $500 | $7,000 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $634.57 | $773.84 | $0 | $7,000 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $636.17 | $775.78 | $500 | $7,000 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $646.94 | $788.93 | $0 | $7,000 |
| BlueCare EPO Gold Plus Blue Cross and Blue Shield of Kansas, Inc. | Gold | EPO | $660.67 | $805.67 | $700 | $8,300 |
| Elite Gold Ambetter from Sunflower Health Plan | Gold | EPO | $671.06 | $818.33 | $0 | $6,500 |
| BlueCare EPO Gold Blue Cross and Blue Shield of Kansas, Inc. | Gold | EPO | $681.36 | $830.90 | $1,500 | $6,400 |
| BlueCare EPO Standardized Gold Blue Cross and Blue Shield of Kansas, Inc. | Gold | EPO | $682.96 | $832.85 | $2,000 | $8,200 |
| Elite Gold + Vision + Adult Dental Ambetter from Sunflower Health Plan | Gold | EPO | $693.39 | $845.56 | $0 | $6,500 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $438/mo | $372 | $869 | 15 | 3 |
| 2023 | $481/mo | $415 | $844 | 15 | 3 |
| 2024 | $491/mo | $420 | $558 | 17 | 3 |
| 2025 | $516/mo | $416 | $614 | 18 | 4 |
| 2026 | $618/mo | $565 | $723 | 12 | 3 |
Frequently Asked Questions
How many ACA plans are available in Cloud, KS?
There are 40 ACA marketplace plans available in Cloud from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Cloud?
The lowest-premium plan in Cloud starts at $391/mo (Bronze tier, age 27). Silver plans start at $565/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Cloud?
The benchmark (second-lowest Silver) premium in Cloud is $570/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 Cloud?
Average premiums in Cloud changed by +26.8% 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 Cloud?
The average annual deductible across all plans in Cloud is $4,788, and the average out-of-pocket maximum is $8,735. 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 Cloud?
There are 3 insurance issuers offering ACA marketplace plans in Cloud, including Ambetter from Sunflower Health Plan, UnitedHealthcare, 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 Cloud, KS's $570/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
