Health insurance in Kentucky

ACA & Obamacare plans in Kentucky

Kentucky residents shop for Affordable Care Act plans through kynect, Kentucky’s own state-run marketplace. Open Enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027, and you need to enroll by December 15, 2026 for coverage that starts January 1. Outside Open Enrollment, a qualifying life event such as losing job-based coverage, moving, getting married, or having a baby can let you enroll.

Kentucky expanded Medicaid under the Affordable Care Act. Adults with household income up to 138% of the federal poverty level may qualify for Medicaid instead of a Marketplace plan. If your income is above that, you may qualify for premium tax credits that lower the cost of a Marketplace plan. Your advisor can help you figure out which applies to you.

Every ACA plan sold in Kentucky covers essential health benefits, and plans can’t turn you down or charge you more for a pre-existing condition. Learn how ACA plans work.

Medicare in Kentucky

If you’re turning 65 in Kentucky, your Initial Enrollment Period starts three months before your birthday month. Already on Medicare? The Annual Enrollment Period runs October 15 to December 7 each year, when you can switch Medicare Advantage and Part D plans for the coming year.

Our advisors compare Medicare Advantage, Medicare Supplement, and Part D plans available in your part of Kentucky, based on your doctors and prescriptions. For free, unbiased counseling, you can also contact Kentucky’s State Health Insurance Assistance Program through shiphelp.org. Learn about Medicare options.

Coverage we help Kentucky residents compare

Serving all of Kentucky

We help individuals, families, and seniors across Kentucky, including Louisville, Lexington, Bowling Green, and Owensboro, and in smaller towns and rural communities throughout the state. Everything happens by phone and online, so you get the same help wherever you live.

Kentucky health insurance questions