Kentucky Health Insurance

The landscape of health insurance in Kentucky includes many avenues through which individuals and families may buy health care insurance plans. Residents without access to employer-sponsored coverage can shop for health care plans in the private marketplace and through the federal marketplace exchange. Those who are eligible may apply for public health plans such as Medicaid and CHIP.

HealthCare.org offers free health insurance quotes for Obamacare individual insurance plans, and also provides access to short term health insurance, small employer health plans and Medicaid information.

Kentucky and the Affordable Care Act

When the Affordable Care Act took effect and required most Americans to buy health insurance coverage, Kentucky elected to establish its own state marketplace or “state exchange.” When residents enroll in ACA-compliant health plans sold through the health insurance exchange, they can apply for income-based financial assistance that helps lower their monthly health insurance premiums and out-of-pocket expenses for healthcare.

Only marketplace plans are eligible for income-based premium tax credits and cost-sharing subsidies. Individuals and families can find both marketplace, on-exchange plans and private, off-exchange plans at HealthCare.org. For those who qualify for financial assistance, HealthCare.org will connect them to the right exchange to complete their enrollment.

The Small Business Health Options Program (SHOP) provides a way for employers with 50 or fewer full-time employees to offer healthcare benefits that meet federal health insurance standards.

Medicaid expansion in Kentucky

Kentucky is one of many states to have expanded Medicaid to single, low-income adults since Obamacare took effect. Residents that want to apply for Medicaid must meet certain eligibility criteria set by the state.

Kentucky CHIP

Kentucky Children’s Health Insurance Program (CHIP) provides low-cost health insurance for eligible children.

Get free quotes on Kentucky health insurance plans from leading companies, and apply for health care coverage directly online.

Health Information

America’s Health Ranking had ranked Kentucky as one of the worst in the country in 2014, sitting as the 47th healthiest state in the U.S.

One of the biggest reasons of the positive bump in Kentucky this year, is the increase in Public Health funding per capita. This extra funding has helped the State’s Health Authorities to battle important issues. One of the biggest challenges for this state in the near future is to ensure that Health Insurance coverage is accessible and affordable for Kentucky residents. As long as they continue the hard work they have been doing for the past year, Kentucky’s health can improve even more in the coming years.

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Insurance and Department of Health Information

Kentucky Department of Insurance
215 W. Main St.
Frankfort, KY 40601
Phone: (800) 648-6056
http://insurance.ky.gov/

Kentucky Cabinet for Health and Family Services
Office of the Secretary
275 East Main Street
Frankfort, KY 40621
Phone: 1-800-372-2973
http://chfs.ky.gov/