Health insurance for Kentuckians who buy their own.
We help Kentuckians who buy their own coverage, whether you left a job, work for yourself or retired before Medicare, compare Marketplace plans, Medicaid eligibility and other options.
Kentucky plans we compare
What’s different about health insurance in Kentucky.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Kentucky FAQ- Kentucky runs its own exchange, kynect. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027.
- Only three insurers sell Marketplace plans for 2026: Anthem, Ambetter by Wellcare and Molina's Passport Health Plan. CareSource left after 2025.
- Kentucky expanded Medicaid, so adults earning up to 138% of the poverty level can qualify, and you can apply any time of year.
- State continuation law lets you keep insured group coverage for up to 18 months, even if your employer is too small for federal COBRA.
- Enhanced federal tax credits expired after 2025, and average 2026 premiums before subsidies rose about 29.8%.
- Short-term plans are sold here, and Kentucky sets no state duration limit beyond federal rules.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Kentucky's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Kentucky, and what to use instead.
Learn moreWho sells plans in Kentucky
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Kentucky FAQ, or ask an agent at (888) 214-4898.
Kentucky's exchange, kynect, lists open enrollment for the 2027 plan year as November 1, 2026 to January 15, 2027. Outside that window you need a qualifying life event, such as losing other coverage, to enroll in a Marketplace plan.
No. Kentucky runs its own state-based exchange, kynect, for Marketplace plans, premium tax credits and Medicaid applications. Its dates and rules can differ from HealthCare.gov.
Yes. Kentucky expanded Medicaid starting in 2014, so adults up to 138% of the federal poverty level can qualify, including adults without children. You can apply at any time of year.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Kentucky county, check your subsidy, and walk you through the options. No cost, no obligation.