Your health insurance plays an important role in helping you to get the care that you need, but finding affordable health insurance in Kentucky can be overwhelming. We’ve outlined the essential details you need to know to find the coverage that’s right for you and your family.
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The average cost of health insurance in Kentucky depends on whether you choose a Bronze, Silver, Gold or Platinum tier plan. Bronze plans are the most affordably priced plans, but they also have higher deductibles when you do need health care. Gold plans cost more but have lower deductibles, which could save you money if you have frequent healthcare needs.
| Average Premium for Health Insurance in Kentucky | |
| Most Affordable Bronze Plan | $333 |
| Most Affordable Silver Plan | $417 |
| Most Affordable Gold Plan | $472 |
If your employer offers health insurance, you may be able to save some money by choosing one of the plans they provide. The average annual premium in Kentucky for an employer-sponsored health insurance plan Is $1,646 per year.The average cost of health insurance in Kentucky depends on whether you choose a Bronze, Silver, Gold or Platinum tier plan. Bronze plans are the most affordably priced plans, but they also have higher deductibles when you do need health care. Gold plans cost more but have lower deductibles, which could save you money if you have frequent healthcare needs.
The above figures are just starting points, and your insurance plan cost can vary based on factors like your age, health status, location, and the number of dependents that will be included on your policy. Since costs can vary so much, it’s helpful to get a quote to best understand what your rates will be. Contact ConsumerCoverage for a free, personalized quote today.
Health Maintenance Organization (HMO) plans feature low premiums and deductibles. HMO plans come with some restrictions, though. You will need to have a primary care physician and only care received from in-network providers is covered.
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There are several types of health insurance in Kentucky that are available to low-income individuals who can’t pay for other coverage options.
Kentucky Medicaid
Medicaid in Kentucky helps to cover certain health care costs, like hospital stays and diagnostic testing. To be financially eligible for Medicaid, an individual can make no more than $18,075 per year. Couples can make up to $24,353 per year. Additionally, you need to meet one of the following requirements:
Kentucky KCHIP Program
The Kentucky KCHIP Program offers coverage to children up to age 19 whose families can’t afford health insurance. It also offers coverage to pregnant women. This income-based coverage is available to families with incomes up to 213% of the federal poverty level, and it helps to cover services like emergency care and dental and vision care.
You may be able to save money on health insurance in Kentucky by comparing plan premiums. Consider plans offered by your employer, and shop around for plans on your own, too. You can get a free, personalized quote from ConsumerCoverage to start comparing rates.
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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
