Usually, it would be less costly and more ideal to have all the family members covered under one Kansas health insurance plan. There are instances though that prevent a family from getting family health insurance, so they get separate individual health plans instead. If one family member has health issues that would cause insurance premiums for all members to rise, then it would be ideal to just get separate insurance policies. Some Kansas health insurance companies accept individuals with health complications, but you should epect higher costs. The family member with health issues will have coverage but will most probably have to pay a high premium. The rest of the healthy family members can get separate health insurance or can choose another insurance company so they'll have lower premium. Grouping the family members' insurance usually gives you a good family discount. You can also get a maimum out-of-pocket for the family and for each member. A family insurance plan could usually have smaller deductible compared to individual deductibles combined. Before you get Kansas health insurance for your family, you should ask your insurance agent for separate quotes - one for a family health plan and one for individual insurance plans for each family member. - June 26, 2009 @ 9:38 am