Get a free quote here for Kentucky health insurance for you.
If you need Kentucky health insurance and are unable to purchase health insurance through and employer, there are some alternatives.
Kentucky is one of the states with a risk pool for those who are unable to get health coverage with private plans because of pre-existing conditions. Their program is called Kentucky Access. It's nice that this option is available but be advised it should be considered a last resort as it is not necessarily inexpensive.
Kentucky Children's Health Insurance Program (KCHIP)is specifically available for lower-income families meaning those earn 200 percent of the poverty-level or less. Medicaid is also available in this state and administered under a program called KyHealth Choices.
If you do not qualify for the low-cost/no-cost health insurance salternative, you might have to consider a high-deductible/health plan. These are not cushy plans. If you have a health emergency, you will have to pay a high deductible before a coverage kicks in. Before you purchase one, you should try to set up a either a flexible spending account, a health savings account or a health reimbursement account so that you reap whatever tax benefits are available to you for footing the bill for your own insurance. The links are below.
eHealthInsurance |