UnitedHealthcare in the Kansas small group market
UnitedHealthcare Insurance Company files Kansas small group plans statewide, with a geographic factor for each of the seven rating areas. Its filing is the largest by plan count, built mostly on point-of-service (POS) designs under plan names that include Choice Plus, Navigate, Compass and Charter.
For 2026, CMS records a Not Unreasonable determination on the filing. That is a finding about whether the rate increase was justified under federal review standards, not an endorsement of the plans.
What UnitedHealthcare filed for 2026
- Filing entity
- UnitedHealthcare Insurance Company (issuer 94968)
- Product lines
- 2
- Plans offered
- 68, plus 3 marked terminated
- Plan types
- 12 EPO, 56 POS
- Metal levels
- 2 Bronze, 16 Silver, 45 Gold, 5 Platinum
- Filed change
- +9.97% across the submission, 0% to +16.47% plan by plan
- CMS status
- Submission Complete; determination: Not Unreasonable
The filed change is an average across this carrier's plans. Your own renewal can land above or below it, because it moves with your plan, your rating area, your employees' ages and who enrolls.
How UnitedHealthcare has moved, year by year
| Plan year | Change | Stage | Plans | Filing ID |
|---|---|---|---|---|
| 2024 | +3.93% | Filed, Rate Filing Accepted | 105 | 94968-2579928605342208002 |
| 2025 | +10.4% | Filed, Rate Filing Accepted | 82 | 94968-2850874003420856320 |
| 2026 | +9.97% | Filed, Submission Complete | 71 | URR-94968KS-2026-11 |
| 2027 | +11.47% | Requested, Submission Filed | 949687111 |
Filed and requested changes are not approvals. History comes from the January 1 annual filings in each year's CMS public use file; the newest year is the request on file in the CMS rate review search. Full detail on the Kansas rate tracker.
Where UnitedHealthcare prices its Kansas plans
Each carrier files a factor for every Kansas rating area it serves. Below 1.000 means that area prices under the carrier's own statewide base; above 1.000 means over it. The factor compares areas within this carrier only, not one carrier against another.
| Rating area | Region | Factor | Our city pages |
|---|---|---|---|
| 1 | Kansas City metro (4 counties) | 0.895 | Kansas City, Overland Park, Olathe, Lenexa, Shawnee |
| 2 | Northeast Kansas (17 counties) | 0.948 | Topeka, Lawrence |
| 3 | North central Kansas (14 counties) | 0.908 | Manhattan, Salina |
| 4 | Northwest Kansas (25 counties) | 0.908 | |
| 5 | Southwest Kansas (21 counties) | 0.891 | |
| 6 | South central Kansas (17 counties) | 0.786 | Wichita, Hutchinson |
| 7 | Southeast Kansas (7 counties) | 0.891 |
County lists for each area are on the Kansas rating areas page. These factors say where a carrier prices, not which doctors are in its network; we check networks against your team separately.
Getting a UnitedHealthcare quote
We are an independent broker, so we do not quote one carrier on its own. Send us your headcount, the ZIP codes where your people work and your renewal date, and we will price UnitedHealthcare next to every other carrier that writes your area and group size. You see the plans side by side, with networks and drug lists checked against your team, and decide from there. It costs your business nothing.
Sources
- CMS Unified Rate Review Public Use File, plan year 2026 (worksheets 2 and 3)
- CMS Rate Review search, Kansas Small Group (filing 949687111)
- CMS Kansas Geographic Rating Areas
