FreedomBenefits.net  affordable health insurance
The health insurance exchange makes it easy to find affordable high quality coverage available in your home state.
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personal enrollment support

Professional enrollment support is available for all of the benefit plans listed on this page. Send your question by e-mail or live online chat.


 

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low cost health insurance

Kentucky Affordable Health Insurance Exchange

Kentucky has relatively few commercial health insurance companies that issue individual major medical insurance and 13 companies that issue small group insurance in addition to the state-sponsored high risk health plan called Kentucky Access for residents who have been declined for commercial coverage due to pre-existing medical conditions. These standard insurance choices may not be affordable to all residents. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation.

low cost health insurance

Kentucky insurance & benefit news

Kentucky had the 14th lowest health insurance costs of all states in 2008 with an average family premium of $11,506 per year. (The average annual premium for a U.S. family covered under an employer-sponsored health plan in 2008 was $12,298 according to The Commonwealth Fund report. The overall quality of health care ranked 45th out of the 51 states (including DC).
Kentucky regulates the benefits required for both individual major medical and group health insurance plans, known as "mandated benefits".

Short Term Insurance

Intermediate Term

Supplemental Insurance



low cost health insurance

Kentucky Insurance Law

The Kentucky Department of Insurance Web site contains a link to the full text of the state's insurance laws as well as information on the state's unique ICare program that provides financial assistance to help small business employers pay health premiums and Medicaid. The state children's health insurance plan (CHIP) Web site is Kentucky Kids' Health.
The state's health insurance division can be reached by telephone at (502) 564-6088 or by mail at P.O. Box 517, Frankfort, Kentucky 40602.

Non-insurance Discount Plans


See International Coverage and Travel Insurance Listings

Consumer Insurance Issues

5/14/2010 Diabetes Coverage: A new resource to help find health insurance for diabetics in Kentucky is now available at Freedom Benefits.


Office of Tony Novak Contact the Author:

The content on this Web page was last updated by consumer finance writer Tony Novak on 5/30/2010. Comments, feedback, questions and corrections are welcome to help keep content relevant and up-to-date. Contact the author directly by e-mail, on Facebook, Twitter or the contact information included on his Web site.

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