Kentucky Health Insurance (2026)
ACA marketplace health insurance rates, Medicaid eligibility, and top insurers in Kentucky. Rates shown before premium tax credits — most buyers qualify for subsidies.
Silver Premium
$510/mo
Age 40, before credits
Avg Deductible
$4,500
Silver plan
Medicaid
Expanded
Up to 138% FPL
Insurers
5
On marketplace
Advertisement
Top Health Insurers in Kentucky
1
Compare PlansBlue Cross Blue Shield
Nationwide network
Avg Monthly
$480
Network
Very Large
Rating
4.5/5
2
Compare PlansUnitedHealthcare
Employer plans
Avg Monthly
$510
Network
Large
Rating
4.3/5
3
Compare PlansAetna
CVS integration
Avg Monthly
$495
Network
Large
Rating
4.2/5
4
Compare PlansCigna
Mental health coverage
Avg Monthly
$490
Network
Large
Rating
4.2/5
5
Compare PlansKaiser Permanente
Integrated care
Avg Monthly
$440
Network
Regional
Rating
4.7/5
Advertisement
Enrollment Requirements & Key Dates
- •Open Enrollment: Nov 1 – Jan 15 (kynect returns in 2022+)
- •Kentucky Medicaid covers adults up to 138% FPL
- •ACA subsidies available
Kentucky Health Insurance Facts
Kentucky's kynect marketplace was a national success model, then dismantled in 2016.
State expanded Medicaid in 2014 — covers 1.5 million residents.
Kentucky has one of the highest uninsured reduction rates post-ACA.
Advertisement