Before subsidies, the benchmark silver plan for a 40-year-old in Franklin County cost about $698 a month for 2026, and the Kansas average for 2027 is $748 a month. Premium tax credits bring that down for many households, depending on income and family size. 4 insurers offered marketplace plans in Franklin County for 2026.
A health insurance broker in Ottawa works for you, not for one insurance company. Brokers are licensed in Kansas to sell plans from several carriers, so one conversation can cover marketplace plans, off-exchange plans and other options side by side. Below are 12 brokerages near Ottawa, sorted by distance.
Health Insurance Brokers near Ottawa
Licensed agents can compare plans available in Franklin County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Do brokers cost more?
No. Health insurers pay brokers a commission that's already part of the premium. You pay the same price for a plan whether you buy it yourself or through a broker.
Broker or agent: what's the difference?
A captive agent sells one company's plans. An independent agent or broker is appointed with several insurers and can compare them. In everyday use the words overlap, so ask any office which carriers it can quote in Kansas.
What a broker can compare for you
Premiums, deductibles and out-of-pocket maximums; which doctors and hospitals are in each network; whether your prescriptions are covered; and whether you qualify for a premium tax credit.
Carriers a Ottawa broker can quote
For 2027, marketplace plans in Kansas come from 5 insurers: Blue Cross and Blue Shield of Kansas, Blue Cross and Blue Shield of Kansas City, Ambetter from Sunflower Health Plan, Oscar Health and UnitedHealthcare. Not every insurer sells in every county. An independent broker appointed with several of them can compare prices and networks side by side.
A quick checklist
- Ask each agent which carriers they can quote in your county.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Write down the enrollment deadline and confirm your first premium payment.
Checking an agent's license in Kansas
- The Kansas Department of Insurance, led by the Insurance Commissioner, licenses insurance agents and regulates health insurers in the state. Its Consumer Assistance Division takes complaints against insurance companies, agents and agencies. Source
- Before you work with any agent, confirm their license is active with the Kansas insurance regulator. Licensed producers have a National Producer Number they can give you.
Frequently asked questions
Is there a fee to use a broker?
Most health insurance brokers charge nothing to individuals and families; the insurer pays them. Ask up front if you're unsure.
Can a broker help me get a subsidy?
Yes. Brokers certified with the marketplace can estimate your premium tax credit and enroll you in a subsidized plan.
When can I buy a plan?
During open enrollment (Nov 1 to January 15 on the HealthCare.gov), or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby.
Brokers in nearby cities
- Paola, KS 22 miles
- Gardner, KS 23 miles
- Eudora, KS 25 miles
- Lawrence, KS 25 miles
- Spring Hill, KS 26 miles
- De Soto, KS 30 miles
- Olathe, KS 31 miles
- Lenexa, KS 35 miles
- Tonganoxie, KS 36 miles
- Overland Park, KS 37 miles