Kansas Medicare Costs in 2026: Wichita Pays Less Than Johnson County

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Kansas filed rates pulled September 14, 2026, CSG Actuarial · Johnson County (ZIP 66018)

A 65-year-old in Johnson County pays $345.86 a month for Part B plus the cheapest filed Plan G: $202.90 to Medicare and $142.96 to Bankers Fidelity (Atlantic Capital Life) (CSG Actuarial filings pulled September 14, 2026). In Sedgwick, Shawnee, Riley and most of the state the same carrier files $134.87, so the bill is $337.77. At the top, United American files $247.00, a $449.90 bill.

Kansas is a tight board. The $104.04 between cheapest and dearest is narrower than all but 2 of the spreads in our 28 state files, and behind the floor sit 3 carriers within $1.35 of one another. The floor carrier's own filing this year was +12.0%, up from +4.9%. On a board this close, that is the number to watch.

Carriers pay the broker; your premium is the filed rate whether or not we are involved.

Johnson and Wyandotte at $142.96; Sedgwick and Shawnee at $134.87

28 rating areas cover Kansas's 105 counties, and the Kansas City side of the state is in a dearer one than Wichita and Topeka. Bankers Fidelity (Atlantic Capital Life) holds the floor in every key county in our file, $142.96 in Johnson, Wyandotte, Douglas, Leavenworth and $134.87 in Sedgwick, Shawnee, Riley, Butler, Reno, Saline, Finney, Ford. The difference, $10.13 a month, is $122 a year for the same company and the same federal benefits.

Green rows are under the Johnson County floor. One ZIP per rating area; woman, 65, non-tobacco, buying alone, no household discount. Floor carrier in every row: Bankers Fidelity (Atlantic Capital Life).

The Floor, Then 3 Carriers $1.35 Apart

Bankers Fidelity (Atlantic Capital Life) leads by $17.91. LifeShield National at $160.87, Old Surety Life at $161.56, Members Health at $162.22 follow inside a $1.35 band, so a single filing reorders second through fourth place. Old Surety Life and Members Health in that pack have already filed 15% or more this year. The median filing is $186.07; 23 of the 25 carriers price on attained age, Old Surety Life and Everence Association on issue age.

Johnson County, ZIP 66018, same profile; amber rows are the pack behind the floor. Where two rate classes are filed the lower ranks and both show.

12 of 22 Kansas Filings at 15% or More

AARP / UnitedHealthcare filed +24.4% effective June 1, 2026, the steepest in CSG's Kansas records. A 55% share of filings at 15%-plus is higher than all but 21 of the 28 state files we hold. The floor carrier's +12.0% is in the list too, which is why the bottom of the board is worth re-reading next summer.

Steepest first, from CSG Actuarial's Kansas filing records; a row is a block-wide change. The same list for every state is on 2026 Medigap rate increases.

Bankers Fidelity (Atlantic Capital Life) at Every Age, 65 to 80

The floor does not change hands with age here: Bankers Fidelity (Atlantic Capital Life) files $142.96 at 65, $178.46 at 75 and $211.60 at 80, a 48% rise on birthdays alone before any filing. Every attained-age line steps up each year, and a block filing lands on top of the step.

Johnson County at each age, same profile. These are filed rates, not a quote.

Plan N, the Plan F Block, and the Household Discount

The cheapest Plan N is Bankers Fidelity (Atlantic Capital Life) at $106.82 in Johnson County and $100.78 in Barton County, $36.14 under its own Plan G. 24 carriers file it, up to $236.00. What Plan N hands back: up to $20 at some office visits, up to $50 at an ER that sends you home, and Part B excess charges, which a Kansas doctor who does not accept assignment may bill.

Kansas still carries a large Plan F block: 101,063 policies on F against 113,636 on G and 19,406 on N at the December 2023 NAIC count, 41% of 248,247. Those F holders are the callers this page is for: the block closed in 2020, its filings run ahead of G, and the floor Plan G is $134.87 to $142.96. 5 of the 25 carriers file a household discount, 7.1% to 20%. The largest, 20% at HealthSpring Insurance (HCSC), takes $169.69 to $135.75. Bankers Fidelity (Atlantic Capital Life) files none; the best discounted line, HealthSpring Insurance (HCSC) at $135.75, beats its $142.96.

Methodology

• Each figure is a carrier filing from the licensed CSG Actuarial API, pulled September 14, 2026, rendered from the Kansas data file when the page is built. Nothing is typed by hand.
• Woman, non-tobacco, individual, no household discount, at the age shown; the lower of two filed rate classes ranks. A discounted line is the filed rate less the filed percentage.
• Kansas was quoted one ZIP per county; counties whose carriers all file identical rates for every plan and age were merged into rating areas, 28 in all, and each key county is quoted inside its area.
• Left out: direct-to-consumer classes, guaranteed-issue classes, bundled Plan G variants, and any row above four times the state median. Carrier identity is the NAIC code.
• “The pack” is the run of carriers behind the floor each priced within $2 of the one before. Ranks against other states use the 28 files we hold, same profile.
• Policy counts by letter come from the NAIC statewide exhibit dated December 2023. The Part B premium and deductibles are 2026 CMS figures from one source file; Plan G does not pay the Part B deductible.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Kansas and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage with no affiliation to Medicare, CMS or any carrier. We do not offer every plan available in your area; contact Medicare.gov or 1-800-MEDICARE for all options. Because the carrier pays the broker, the filed premium is what you pay with or without us.