Pre-existing conditions are covered, and 10 "Essential Health Benefits" are included on all Exchange plans.
Get 2017 Obamacare and non-Obamacare Kentucky Health Insurance coverage with help from a federal subsidy. We research, compare, and shop the top Ky companies so you pay less for medical coverage in Lexington and the surrounding area. Easily compare Marketplace prices for affordable individual, family and small business medical coverage. We help you shop and select the best available plans. You may qualify for the federal subsidy that potentially pays up to 100% of your Exchange policy premium. Federal subsidies are based on your household income and the Federal Poverty Level (FPL). The more dependents in your household, the larger the amount of the subsidy (instant tax-credit). Companies offering private coverage include Anthem BCBS, CareSource, and Humana. Under Trump Administration changes, it's possible that additional companies will offer policies in 2018 or 2019.
Pre-existing conditions are covered and your application can not be declined for medical reasons. Many affordable plans can easily be purchased from most of the major companies. Comprehensive, catastrophic, student, HSA, student and temporary options are offered by most carriers. Subsidized policies can also be purchased by persons with higher household incomes. You may also choose a non-Obamacare plan. Policies are offered in Louisville, Lexington, Richmond, and all other cities and counties. Your online Kentucky Health Insurance quotes are free. Simply click on our secure link at the bottom of the page, provide your zip code get your free quotes. There is no cost or obligation! You can get covered quickly without filling out a long application.
Four Marketplace “Metal” plans are available. “Platinum, Gold, Silver, and Bronze plans will qualify for the Obamacare subsidy. A “catastrophic” option is also offered that features very low rates but is not eligible for financial subsidies. You must be under age 30 to qualify for a catastrophic-tier policy, unless you can prove "financial hardship." Silver-tier plans often represent the best value because of "cost-sharing" that can drastically reduce deductibles and maximum out-of-pocket expenses. Gold-tier plans are very expensive, and typically are utilized with larger federal subsidies.
If you missed Open Enrollment, there are several low-cost options available, including short-term plans. A Special Enrollment Period (SEP) may be offered to you if you qualify for one of several exemptions. These "life events" allow you also to receive a federal subsidy. Common situations are divorce, birth of a child, losing coverage from work, and moving to a different state. Seniors that have reached age 65, are likely eligible for Medicare benefits.
Senior health insurance options in Kentucky include Medicare Advantage and Medicare Supplement plans. Part D prescription drug coverage is also available separately and some included in Advantage contracts. The Open Enrollment period for Seniors, however, occurs earlier than the OE period for persons under age 65. Medicare insurance providers in Kentucky include Aetna, Anthem BCBS, Babtist Health Plan, CareSource, Gateway, Humana, Passport Advantage, RiverLink Health, Signature Advantage, UnitedHealthcare, and WellCare.
The Kentucky Department of Insurance provides consumers of the Blue Grass State with consumer assistance, agent licensing, public meetings, and insurance-related advisories. The DOI also investigates any new companies that apply to do business in the state. Several popular low-cost plans are listed below:
Anthem Bronze Pathway X HMO 5000
Anthem Silver Pathway X HMO 5300
Anthem Silver Pathway X HMO 3500
Humana Bronze 6550
Humana Silver 4150
With more than 37 years of experience, we specialize in shopping, comparing and finding quality healthcare plans at the lowest available prices. You also may be eligible for Medicare or Medicaid in Kentucky, depending on your age and income.
Exchange plans feature many copay, coinsurance, and deductible options, so it's important to properly compare each contract, and determine which policy provides the lowest out-of-pocket medical expenses for your household. Some of the most popular carriers are Anthem BCBS, Humana, and CareSource
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