Kentucky Health Insurance
Affordable Kentucky Health Coverage Options

Now is the time to look at your options for affordable health insurance in Kentucky for next year. Wherever you and your family live, you face the uncertainties of an upcoming Presidential election and the challenges of the COVID-19 pandemic. Kentucky is no different!.  Now, more than ever, it is important to select the BEST health insurance for your family and do not pay more than you have to.

Where can you turn to for independent expert advice? TrueCoverage provides helpful resources and guidance that help you to select the most affordable health insurance plan that meets your specific needs. Remember, the Open Enrollment Period starts November 1st and runs through December 15th

Save any last-minute headaches and rushed decisions by selecting your Kentucky Health Insurance coverage soon.   The TrueCoverage team is here to help by providing a pre-registration service. Let us know what you need .  We will contact you with a selection of health coverage packages tailored to you, your family, or your business.

Kentucky

Exploring Affordable Health Coverage in Kentucky

You can look for cheap health insurance in Kentucky. But as we all know, the policies with the lowest monthly payments (your insurance Premium) may not be your best option.

The REAL price of health coverage depends on many variables. Deductibles and copays increase costs and Tax relief on your premiums, state insurance subsidies and discounts on your medical supplies can LOWER your medical expenses. A premium might look high at first, but the total amount you spend on medical services could be much lower!

If you qualify for Medicare, you should explore the Medicare add-on plans.   Kentucky has many options. About 21% of the population has enrolled in Medicare, but of those, only 29% participate in a Medicare Advantage plan. Medicare Advantage and Medicare supplemental plans could save you a LOT of money.

10 Health Services Mandated for all ACA-Compliant Plans

Before the Affordable Care Act, insurers could refuse to cover various health benefits, resulting in overwhelming debt for many.

The ACA fixed those loopholes and mandated that all ACA-qualifying plans include these coverages:

With Health Insurance Exchanges, you gain access to ancillary insurance options like:

  • Dental,
  • Vision,
  • Accidental Death,
  • Critical Illness,
  • Disability,
  • Life,
  • Medicare Advantage, Medicare Supplementals,

The Coronavirus Pandemic, COVID-19 Testing, and the FFCRA

COVID-19 is the hot topic health insurance issue in Kentucky. If you lose your health insurance due to COVID-19 or your employer closed because of the Coronavirus, testing is available at no charge. The Families First Coronavirus Response Act (FFCRA) passed in March 2020, ensures that everyone can receive COVID-19 testing.

Symptoms and Prevention from Coronavirus

See our 5 top Kentucky health insurance companies at the bottom of this page.

Key Details about Health Insurance in Kentucky

Kentucky is falling behind many other States regarding consumer protection from ‘surprise’ billing (see our blogs When is a surprise not a surprise? When it’s a SHOCK! and Joe Biden – building on Medicare).

Kentucky will be reverting to Kynect, its fully state-run exchange, by the Fall of 2021, after leaving it for the federal exchange in 2017.

Despite these advantages, Kentucky Health Insurance is more expensive than in many other states.

So it is even more important to make sure you’re getting the best advice.

Exploring the Health Insurance Marketplace in KY

Kentucky residents can sign up for health insurance using private insurance exchanges. These marketplaces offer more ACA-compliant plans than the state, which only deals with a handful of insurers.

As a private exchange, TrueCoverage is bound by the same rules as the Kentucky exchange but has access to hundreds of insurers.

With Health Insurance Exchanges, you gain access to ancillary insurance options like:

  • Dental,
  • Vision,
  • Accidental Death,
  • Critical Illness,
  • Disability,
  • Life,

Medicare Advantage, Medicare Supplementals,

Benefits of Working with a Health Insurance Broker

TrueCoverage is a Certified Direct Enrollment Partner of Healthcare.gov.  We specialize in offering local knowledge and affordable Kentucky health insurance solutions.

We offer more health insurance plans than any other resource in KY, and our unique technology quickly delivers the ‘BEST VALUE’ insurance policies that address your needs.

Like brokers in every state, TrueCoverage must operate without bias. Our job is to find you the best health insurance options, regardless of the insurance carrier. As brokers, we search for policies that best meet your needs. We also assist you throughout your contract. For example, if a dispute arose with your insurer, TrueCoverage steps in to help. If you benefit from a Special Enrollment Period, we’ll be there.

TrueCoverage is familiar with your state’s unique insurance rules, and we understand the Kentucky health insurance options from the largest carriers, to the smaller specialty health insurers.

The Top 5 Health Insurance Companies in Kentucky

Choosing from over 50,000 plans is daunting without independent, expert advice. That is where TrueCoverage shines. To help, we have identified the top five health insurance companies in OK.

These ratings, from The National Committee for Quality Assurance (NCQA), are based on Consumer Satisfaction, Preventive Care, and Medical treatment.

More details about the top 5 Insurance companies in Kentucky

The NCQA rates these ACA-compliant health plans as the BEST in Kentucky:

  • Aetna Life Insurance Company (Kentucky)
  • Humana Health Plan, Inc. (Kentucky)
  • United Healthcare Services, Inc. (Kentucky)
  • UnitedHealthcare Insurance Company (Kentucky)
  • Anthem Health Plans of Kentucky, Inc. dba Anthem Blue Cross and Blue Shield in Kentucky

All ACA-compliant and Medicare plans have a star rating based on similar criteria.

Click below to learn more:

NOW is the best time to select your ACA Affordable Kentucky health insurance, BEFORE Open Enrollment starts on November 1st, 2020.

affordable health insurance

Looking to find affordable health insurance?

Click on the button below to and connect with our agent to get insurance in 24 hours.

Kentucky utilizes a federally facilitated health insurance exchange. It does not regulate short-term health insurance plans. They are a useful option in some circumstances. These plans are NOT bound by the Affordable Care Act that mandates the 10 essential health benefits. Furthermore, they are NOT eligible for premium tax relief.

Kentucky is one of the parties defending the Texas-led attempt to invalidate the ACA. The case is still before the courts and will almost certainly not affect the health insurance plans for 2021.

Did You Know?

Named after one of the Native American languages (the most popular theory is from the Iroquois word  “ken-tah-ten” meaning “land of tomorrow”), the Bluegrass State became the 15th state in 1792.

Fun fact

Kentucky has been home to some life-changing inventions: Thomas Edison introduced his electric light bulb to the public in Louisville (1883), the radio was invented by Murray-born Nathan B. Stubblefield in 1892 (3 years before Marconi) and the first cheeseburgers were served in Louisville’s Kaolin’s restaurant in 1934.

Sources:  National Geographic; 50states; coolkidfacts