Health Insurance in Kentucky

Health Insurance in Kentucky

Insurance in Kentucky can be confusing and volatile, but it doesn’t have to be. The agents at Apollo Insurance group can help, so call us now at 346-971-4814 for assistance. Read on to learn all about health insurance in Kentucky. 

Quick Facts about Health Insurance in Kentucky

    • Kentucky uses a state-run exchange called Kynect. From 2015-2019, it also utilized healthcare.gov for enrollment. 
    • Open Enrollment for On-Exchange health insurance starts on November 1st and lasts into the new year. 
    • Off-Exchange plans can be purchased year-round. 
    • Apollo Insurance Group can help broker plans with 14 different carriers. 

    How Kentucky Health Insurance Works

    Health insurance in Kentucky can be separated into two categories: On-Exchange plans and Off-Exchange plans. 

    On-Exchange plans are ACA/Obamacare plans and go through Kynect. They are eligible for government subsidies based on household income and can’t deny members for preexisting conditions. 

    Off-Exchange plans are private plans that are not sold through Kynect. They aren’t eligible for subsidies and can deny members for preexisting conditions. Because of this, however, they tend to have lower monthly premiums. 

    Click here to read a more in-depth explanation of the different types of individual health insurance. 

    When to Find Health Insurance in Kentucky

    For On-Exchange plans, you typically have to purchase during the Open Enrollment period. This is the time of the year that you can shop around for ACA health plans, no strings attached. Open Enrollment is set by the state government. For 2023, it will start on November 1, 2022, and run into the new year. 

    If you miss the Open Enrollment period, then you need a Qualifying Life Event to shop for switch or sign up for a health insurance plan. These include major life events like moving, getting married, or losing prior coverage. Click here to see a complete list of qualifying life events. 

    For Off-Exchange plans, you can sign up at any time! There are some exceptions, but most Off-Exchange carriers will allow you to sign up for a plan at any time of the year. 

    How to Find Kentucky Health Insurance

    To find health insurance in Kentucky, simply fill out our quote form. We will help you find the right plan for you. Alternatively, you can call us at 346-971-4814. We have years of experience in the Kentucky health insurance system, so call us right away!

    Individual Health Insurance

    Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it's a challenge to navigate and find the best plan for your budget and needs.

    That's where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There's no extra cost to you and you'll have an insurance person to always turn to.

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    Group Health Insurance
    Do you want to provide an affordable insurance option for your employees?

    Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.

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    Life Insurance
    Let's be honest, we often don't think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.

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    Dental Insurance

    A good smile can be worth a million dollars.

    Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.

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    Vision Insurance

    Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.

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    Apollo Insurance Broker

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