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ObamaCare in Kentucky


To Get Started in Kentucky Select From the Following:


» Get Information for Individuals and Families     


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About Obamacare in Kentucky


Obamacare is the common name given to the Affordable Care Act. Its main purpose is to provide healthcare insurance to all U.S. citizens at an affordable price and under fair conditions. More than nine million people across the country already have an insurance plan through Obamacare.



You are eligible to receive Obamacare benefits in Kentucky if you don’t have a current insurance plan through your employer or if you haven’t purchased one on your own. Most people qualify to get Obamacare in Kentucky. If you don’t, there are still other programs available, such as Medicaid or the Kentucky Children’s Health Insurance Program (KCHIP).



The Affordable Care Act also created the Marketplace, an online environment in which providers can offer their plans, and customers can compare them and choose the most convenient one to their needs. Kynect is the Marketplace for Kentucky. You can access it at:




Individual & Family Coverage


Obamacare provides a wide array of possibilities when it comes to getting an insurance plan in Kentucky. There are four types of plans classified according to their costs: Bronze, Silver, Gold and Platinum. There is also a Catastrophic events plan.



All the plans include coverage for ten specific situations such as: inpatient and outpatient care, trips to the Emergency Room, prescription drugs, and lab tests, among others. It also covers mental health and substance abuse treatment, as well as healthcare for the newborn.



Each year there is an Open Enrollment Period. During this time you can compare, choose and purchase your plan. The last one ended on March 31, 2014, and the next one will start on November 15, and will extend through February 15, 2015. You must have health insurance to avoid penalties, so mark the dates on your calendar to have them present at the time of your enrollment.



You can enroll easily online at, Kentucky’s official marketplace for health insurance. If you have problems enrolling online, you can also call customer service at 1-855-4kynect (459-6328), or for TTY: 1-855-326-4654. If you want to apply by mail, you can do so, although the process is complicated and takes longer, ask one of the customer service agents for help if you would like to apply by mail.



In case you missed enrollment this year, you can still get coverage if you have undergone major changes in your life, for example: getting married, having or adopting a baby, getting divorced and so on. You can also apply if you recently lost coverage through your parent’s plan or because you graduated and lost your student insurance. Otherwise, you can also check if you qualify for Medicaid or KCHIP plans.




Small Businesses


Kentucky small business owners can purchase insurance for their employees. For your company to be eligible, you must employ 50 or less full-time workers, or its equivalent.




Just like with individual sign ups, there are enrollment periods, but these are more frequent. You can enroll your company by the 15th of each month for your coverage to start the first day of the following month. Small businesses in Kentucky are not required to provide health insurance to their employees, as long as there are less than 50 full-time employees working at the company.



You can enroll through your insurance agent, directly at the insurance company or the easy way, through Kentucky Kynect: On the main page, select Small Business, sign up for the website, and complete the required forms to get your business enrolled.




Pre-Existing Conditions


Even if you have a pre-existing condition, you will be able to qualify for Obamacare, Medicaid or KCHIP in Kentucky. Under the Affordable Care Act, no person should be denied healthcare coverage just because they are sick.



If you had personally purchased a plan from an insurance company which is now grandfathered, you can still get your services denied. These plans still work under the old format. If you would like to switch to Obamacare, you must wait for the next Open Enrollment Period, and apply with Kynect at:

ObamaCare By State