By licensed health insurance agentsReviewed October 2026

Kentucky Health Insurance Carriers for 2026

These are the insurers selling individual and family health plans in Kentucky for 2026, and where to buy them.

The Kentucky individual market in 2026

Kentucky's 2026 individual market is small. Three insurers sell Marketplace plans through kynect, down from four after CareSource left at the end of 2025, and average premiums before subsidies rose about 29.8% for 2026. About 89,000 people chose a plan for 2026.

Insurers selling individual plans in Kentucky

Insurer	Sells Marketplace plans	Notes
Anthem Blue Cross and Blue Shield	Yes	Offers Marketplace plans through its Pathway and Transition HMO networks and is the only Marketplace insurer in a group of counties that includes Pulaski, Graves, Grayson and Rowan.
Ambetter by Wellcare of Kentucky	Yes	Sells Marketplace plans in most Kentucky counties alongside Anthem.
Passport Health Plan by Molina Healthcare	Yes	Offers Marketplace plans for 2026 in a small area around Lexington: Clark, Fayette, Jessamine, Scott and Woodford counties.

Not every insurer sells in every county. Your ZIP code determines which plans you can buy.

Kentucky questions

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Three: Anthem Blue Cross and Blue Shield, Ambetter by Wellcare of Kentucky, and Passport Health Plan by Molina Healthcare. CareSource stopped offering Marketplace plans in Kentucky after 2025.

Average premiums before subsidies rose about 29.8% for 2026. KFF puts the 2026 average benchmark Silver premium for a 40-year-old in Kentucky at $590 per month before tax credits.

Plans can renew, but 2027 rates and plan lineups change, and insurers have filed further rate increases for 2027. Review your options during open enrollment, November 1, 2026 to January 15, 2027, rather than letting your plan roll over without checking.

Sources

Reviewed October 2026. Rules and prices change every year; a licensed agent will confirm what applies to you.