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Kentucky Health Insurance

In Kentucky there are three great, affordable health insurance providers including Humana, United, and Blue Cross Blue Shield of Kentucky.  Kentucky is very affordable for health insurance compared to most other states and their plans are very comprehensive.

The health insurance marketplace in Kentucky, Kynect, also provides health plans for uninsured individuals and families who qualify for financial assistance with income between 138 and 400 percent of the federal poverty line. Kynect is a state-run organization providing subsidized coverage through respected Kentucky insurers on the private market. As coverage is made even more reasonable through tax credits, the marketplace is worth a look. Call us at 888 803 5917 to discuss your options on the exchange.

Additionally, there is a state high risk pool called Kentucky Access (866 405 6145) and eligible individuals are of course HIPAA applicants and those with serious health conditions who have been rejected by a minimum of two insurance companies, or those that get approved but with a higher rate then the Kentucky Access plan.

For Non HIPAA eligible individuals there is a 12 month pre-existing clause which is also the length of time that any domiciled health insurance company can impose a rider for.


Kentucky Health Insurance Companies


Anthem Blue Cross Blue Shield of Kentucky

Anthem Blue Cross and Blue Shield offers residents of Indiana, Kentucky, Ohio, Connecticut, New Hampshire, Colorado, Nevada, Maine and Virginia quality health plans. Today, the Blue Cross and Blue Shield symbols are among the nation’s most familiar and trusted trademarks.

Anthem is by far the most affordable health insurance plan in Kentucky and should be the first place you look when shopping different health insurance quotes.

Anthem SmartSense Kentucky Brochure

Anthem Premier Plus Kentucky Brochure


Humana One is quite ordinary in the Kentucky health insurance market and is usually affordable in only very specific demographics.  I still believe however that their vanilla health insurance plans ought to at least be in the running.

Humana One Portrait Share 80 plus Rx Kentucky Health Insurance Brochure


United Health One is not domiciled in Kentucky which means they can pretty much offer rate increases without any approval from the state.  In any case, they are certainly affordable and have the best prescription plan in the national health insurance market, and at press time they were still very affordable.

United Health One Kentucky Health Insurance Brochure


Sample Louisville, Kentucky Health Insurance Quote

After running a quote for a 32-year-old female in Louisville, we discovered only a few options in our ideal price range of a $2500 annual deductible. We also wanted to choose a plan with unlimited doctor’s office visits for a copayment. For this particular individual, the Anthem Premier Plus plan offered the best monthly rate at $132. Covering prescriptions in addition to office visits and preventive care before deductible, this plan is an even better choice because the Anthem network is so phenomenal. Not only are they the largest in Kentucky, Anthem Blue Cross gives members access to one of the broadest networks in the nation for out-of-state care.

For not much more, HumanaOne offers their top copayment plan with plenty of benefits available before the deductible and 80 percent coverage afterwards. Virtually identical to the benefits offered with the UnitedHealthOne plan, the Humana network is not quite as large, therefore it may be wise to choose Anthem or United. UnitedHealthOne also has one of the largest networks in the country, being very comparable to Blue Cross Blue Shield. However, if you would rather get the same number of benefits for a lower premium, we would lean towards the Anthem option as well.

Premiums vary based on several factors, which makes it essential to get your own quote and judge pricing and benefits on your personal needs. Call 888 803 5917 to speak with an agent about your options in Kentucky, or ask any questions about health insurance.



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