Most people come to us not knowing what they don’t know. They’ve seen the deductible number on a plan. They’ve looked at the premium. They’re not sure what the rest of it means, and they don’t want to make an expensive mistake by guessing. That’s a reasonable place to be.
At 316, we help individuals and families in Kansas find coverage that actually fits their situation — not just the cheapest number on a comparison tool. We look at your income, your household, your doctors, your medications, and how you tend to use healthcare. Then we compare plans across multiple carriers and explain what you’d actually be getting into. No jargon. No pressure. Just a clear picture of your options.
Anyone who isn’t covered through an employer. That includes people who are self-employed, between jobs, early retirees not yet eligible for Medicare, people whose employer doesn’t offer coverage, and people whose employer plan exists but isn’t affordable or doesn’t cover their family. It’s a bigger group than most people think, and the options available are more varied than most people expect.
Most health insurance plans fall into one of a few structures:
Requires in-network providers and usually a primary care physician referral to see a specialist. Lower costs, less flexibility.
See any provider, in or out of network, without a referral. More flexibility, higher potential costs.
No referrals required, but must stay in-network. A hybrid between HMO and PPO.
Lower premiums, higher deductibles, and eligibility for a Health Savings Account (HSA). Good for healthy individuals who want to build tax-advantaged savings.
The right plan type depends on how often you use healthcare, which providers you want access to, and how you prefer to manage costs. We walk through all of this in our consultation.
We don’t start with products. We start with questions. What are you trying to protect against? Which doctors matter to you? How much healthcare do you actually use in a typical year? Do you have any medications we need to check on a formulary? What can you realistically absorb in a bad year?
From there we identify whether the ACA Marketplace or an off-Marketplace plan makes more sense for your income, compare options across multiple carriers, verify your providers are in-network, and walk you through what each plan actually costs in practice — not just the monthly premium. You leave with a clear recommendation and an understanding of what you’re choosing and why.
Consultation, in person, by phone, or virtually.
Schedule a ConsultationOr call: (316) 282-3440