3 Easy Steps

  1. 1. Make your Selection
  2. 2. Compare Plans
  3. 3. Apply
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Now that the Kentucky health insurance marketplace is open, many people might find themselves overwhelmed trying to figure out how the new Kentucky health insurance system under the Affordable Care Act (ACA) works. Don’t let Kynect, Kentucky’s online health insurance marketplace, intimidate you. At ForHealthInsurance.com we’ve broken down all the basics of the marketplace into terms you can understand.

What is Kynect?

Like many other states, Kentucky has chosen to run its own online health insurance marketplace in accordance with the ACA, which has taken the form of Kynect. Its website serves as a one stop shop where  Kentucky health insurance buyers can go to choose and purchase a plan.

The four main options on kynect

What makes Kynect easy to use is the way its plans have been grouped together. Every plan will be classified as either a Bronze, Silver, Gold or Platinum plan. These metal-themed options are on a spectrum from low to high premiums and high to low out of pocket costs. With this system it shouldn’t be hard to find a Kentucky health insurance plan to fit your needs.

How will I know which plan to pick on Kynect?

Figuring out the best Kentucky health insurance plan is all about balancing your budget and determining the amount of coverage you need. You might want to start with a few questions. How many visits to the doctor have you made in the past year? Do you have any conditions that require prescriptions?

There are always unexpected things that come up and lead us to the doctor’s office. How much do you want to insure yourself from the unexpected? If you determine that you don’t usually spend much on medical bills, the tradeoff of higher out of pockets costs for lower premiums may be worth it.

What if I can’t afford Kentucky health insurance?

For all you’ve probably heard about the new Kentucky health insurance system, you might still be wondering how much it will all cost. If you thought your Kentucky health insurance plan would break the bank, think again. Tax subsidies will give a helping hand to people who make between 133 percent and 400 percent of the Federal Poverty Line.

If you are unable to afford a plan on Kynect, Medicaid is an option.You may know Medicaid as a healthcare program for people with dependents whose income is up to 100 percent of the Federal Poverty Line. If you are a single childless adult, it’s now possible for you to qualify for Medicaid, if you make less than 133 percent of the Federal Poverty Line.

How do I buy a Kynect plan?

To buy a Kentucky health insurance plan at Kynect give us a call here to speak with one of our health insurance experts or enter your zip code above to see what plans are available in your area.