Focused Silver
Silver · EPO · Ambetter from Sunflower Health Plan · Kansas
At age 40 it costs between $585 and $771.95 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $6,300 | $8,400 | $40 | $3 |
| up to 150% of the federal poverty level | $0 | $1,500 | No Charge | No Charge |
| 150% to 200% | $0 | $3,350 | $20 | $3 |
| 200% to 250% | $5,150 | $7,200 | $35 | $3 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 34368KS0110053 |
|---|---|
| Insurer | Ambetter from Sunflower Health Plan |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $6,300 |
| Deductible (family) | $12,600 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,400 |
| Family maximum | $16,800 |
| Primary care visit | $40 |
| Specialist visit | $85 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $75 |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-844-518-9505 · TTY 1-844-518-9505 |
Where it is sold, and what it costs there
91 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Johnson County | $457.75 | $519.54 | $585 | $817.53 | $1,242.31 |
| Leavenworth County | $457.75 | $519.54 | $585 | $817.53 | $1,242.31 |
| Miami County | $457.75 | $519.54 | $585 | $817.53 | $1,242.31 |
| Wyandotte County | $457.75 | $519.54 | $585 | $817.53 | $1,242.31 |
| Clay County | $544.07 | $617.50 | $695.30 | $971.68 | $1,476.57 |
| Cloud County | $544.07 | $617.50 | $695.30 | $971.68 | $1,476.57 |
| Dickinson County | $544.07 | $617.50 | $695.30 | $971.68 | $1,476.57 |
| Ellsworth County | $544.07 | $617.50 | $695.30 | $971.68 | $1,476.57 |
| Geary County | $544.07 | $617.50 | $695.30 | $971.68 | $1,476.57 |
| Jewell County | $544.07 | $617.50 | $695.30 | $971.68 | $1,476.57 |
| Lincoln County | $544.07 | $617.50 | $695.30 | $971.68 | $1,476.57 |
| Mitchell County | $544.07 | $617.50 | $695.30 | $971.68 | $1,476.57 |
| Morris County | $544.07 | $617.50 | $695.30 | $971.68 | $1,476.57 |
| Ottawa County | $544.07 | $617.50 | $695.30 | $971.68 | $1,476.57 |
| Republic County | $544.07 | $617.50 | $695.30 | $971.68 | $1,476.57 |
| Riley County | $544.07 | $617.50 | $695.30 | $971.68 | $1,476.57 |
| Saline County | $544.07 | $617.50 | $695.30 | $971.68 | $1,476.57 |
| Washington County | $544.07 | $617.50 | $695.30 | $971.68 | $1,476.57 |
| Butler County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| Chase County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| Chautauqua County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| Cowley County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| Elk County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| Greenwood County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| Harper County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| Harvey County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| Kingman County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| Marion County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| McPherson County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| Montgomery County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| Reno County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| Rice County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| Sedgwick County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| Sumner County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| Wilson County | $550.20 | $624.47 | $703.15 | $982.65 | $1,493.23 |
| Allen County | $568.10 | $644.78 | $726.01 | $1,014.60 | $1,541.79 |
| Bourbon County | $568.10 | $644.78 | $726.01 | $1,014.60 | $1,541.79 |
| Cherokee County | $568.10 | $644.78 | $726.01 | $1,014.60 | $1,541.79 |
| Crawford County | $568.10 | $644.78 | $726.01 | $1,014.60 | $1,541.79 |
| Labette County | $568.10 | $644.78 | $726.01 | $1,014.60 | $1,541.79 |
| Neosho County | $568.10 | $644.78 | $726.01 | $1,014.60 | $1,541.79 |
| Woodson County | $568.10 | $644.78 | $726.01 | $1,014.60 | $1,541.79 |
| Barber County | $584.15 | $663 | $746.53 | $1,043.28 | $1,585.36 |
| Comanche County | $584.15 | $663 | $746.53 | $1,043.28 | $1,585.36 |
| Edwards County | $584.15 | $663 | $746.53 | $1,043.28 | $1,585.36 |
| Hodgeman County | $584.15 | $663 | $746.53 | $1,043.28 | $1,585.36 |
| Kiowa County | $584.15 | $663 | $746.53 | $1,043.28 | $1,585.36 |
| Pawnee County | $584.15 | $663 | $746.53 | $1,043.28 | $1,585.36 |
| Pratt County | $584.15 | $663 | $746.53 | $1,043.28 | $1,585.36 |
| Stafford County | $584.15 | $663 | $746.53 | $1,043.28 | $1,585.36 |
| Barton County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Cheyenne County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Decatur County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Ellis County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Gove County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Graham County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Greeley County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Lane County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Logan County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Ness County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Norton County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Osborne County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Phillips County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Rawlins County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Rooks County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Rush County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Russell County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Scott County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Sheridan County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Sherman County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Smith County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Thomas County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Trego County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Wichita County | $589.66 | $669.25 | $753.57 | $1,053.12 | $1,600.31 |
| Anderson County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
| Atchison County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
| Brown County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
| Coffey County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
| Doniphan County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
| Douglas County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
| Franklin County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
| Jackson County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
| Jefferson County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
| Linn County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
| Lyon County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
| Marshall County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
| Nemaha County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
| Osage County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
| Pottawatomie County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
| Shawnee County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
| Wabaunsee County | $604.04 | $685.57 | $771.95 | $1,078.79 | $1,639.33 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.