Best health Insurance plans in
Kentucky
in 2025

Find quality Kentucky health insurance plans providing comprehensive coverage for Bluegrass State residents. Venteur partners with Kentucky's leading insurance carriers to help you discover the best health insurance in Kentucky offering diverse plan options at competitive prices. Our platform makes comparing benefits, understanding costs, and enrolling simple from Louisville to Lexington helping navigate healthcare choices with confidence offering traditional group plans to innovative ICHRA solutions giving employees more flexibility.

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Market overview
4

Health insurance carriers on the marketplace

82

Plans available on the marketplace

18%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Kentucky
Plans

Discover the best health plans in Kentucky

Great Value
Ambetter
Expanded Bronze
HMO
Great Value
Great Value
Great Value
$
$
356.57
/mo
/mo

Everyday Bronze + Vision + Adult Dental

Deductible:
In-Network: $8,450 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $40 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $3 / Out-of-Network: Not Covered
Molina
Silver
HMO
$
$
379.86
/mo
/mo

Silver 12 250 with First 4 Primary Care Visits Free

Deductible:
In-Network: $7,000 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: first 4 visit(s) $0 then $40 / Out-of-Network: Not Covered | limit: see carrier documentation for more information
Generic Drugs:
In-Network: $10 per script / Out-of-Network: Not Covered
Great Coverage
Ambetter
Gold
HMO
Great Coverage
Great Coverage
Great Coverage
$
$
463.17
/mo
/mo

Everyday Gold + Vision + Adult Dental

Deductible:
In-Network: $750 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $35 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $3 / Out-of-Network: Not Covered

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Are you ready?

Get started today with better health benefits

Insurance providers available in Kentucky

How it works

Get these plans for my team

1

Sign up for Venteur ICHRA

Venteur’s ICHRA for companies empower employees to protect their health and be their best with flexible, individualized plans that are easy to understand and highly protective.

2

Set a budget

Take control of your benefits strategy with Venteur's user-friendly interface, allowing you to dial in your plan with precision and flexibility, ensuring it aligns perfectly with your company's unique needs and goals.

3

Employees pick their own plan from the marketplace

Launch your benefits to your employees through Venteur's platform, providing them with immediate access to comprehensive coverage and resources tailored to their well-being.

Compare Plans

Taking down group plans one premium at a time

*
Venteur
ICHRA magic
-
Group Plan
Ho-hum
Responsibility taken by the individual market plan
Personalized plan choices
Easy and flexible plan design
Control over premium increases
No minimums for participation

FAQs

You got questions. We got answers!

What should you think about when choosing a health plan?

Choosing a health plan for your business can be complicated and opaque. When evaluating your options, there are a few key factors you should consider:  

  • Costs: Evaluate both the premiums (monthly costs paid by the employer and/or employee) and the out-of-pocket expenses (deductibles, copayments, and coinsurance). Balance these against the overall value and coverage provided. 
  • Flexibility: Consider whether the options allow employees to choose their insurance based on their own unique needs.  
  • Quality of Service: Research the reputation and customer satisfaction ratings of the provider and their network of healthcare providers or health plan options. 
  • Compliance: Ensure that the plan complies with all relevant regulations and laws, such as the Affordable Care Act (ACA) requirements if applicable. 
  • Feedback from Employees: Gathering input from your employees about their healthcare needs and preferences can provide valuable insights into choosing an option that best meets their expectations.
How does Venteur help my team access the plans available in my state?

Venteur administers an ICHRA – an Individual Coverage Health Reimbursement Arrangement. Instead of picking an expensive and inflexible group plan, you set a budget and your employees use Venteur to shop for the plan that works best for them. This allows your employees who elect to enroll in health benefits to pick from the plans available in their state!

How much will health insurance cost in Kentucky in 2026?

Health insurance premiums in Kentucky are expected to rise in 2026 due to the expiration of enhanced federal subsidies. The final cost for an individual will vary based on factors like age, income, location, and the level of coverage chosen. For example, in 2025, one 60-year-old individual saw their premium increase from $444 to $933 monthly. Venteur's ICHRA platform allows employers to contribute a set amount of tax-free funds, empowering employees to select a plan that aligns with their personal budget and healthcare needs.

What is the cheapest health insurance in Kentucky?

The most affordable health insurance plans in Kentucky are typically Bronze-level policies, which feature low monthly premiums but higher deductibles and out-of-pocket costs for care. Kentuckians may also qualify for financial assistance through the state's marketplace, Kynect, which can substantially lower monthly payments. An ICHRA allows employees to use their employer's contribution to pay for any marketplace plan, including these lower-cost options.

Does Kentucky have free health insurance?

Yes, Kentucky offers free or low-cost health coverage to eligible residents through programs like Medicaid and the Kentucky Children's Health Insurance Program (KCHIP). Eligibility for these programs is determined by household income and size. While some individuals may have previously found $0 premium plans on the marketplace due to subsidies, these will be less common as enhanced federal subsidies are set to expire.

What is the monthly income limit for Medicaid in KY?

Eligibility for Kentucky Medicaid is based on income relative to the Federal Poverty Level (FPL), and these thresholds may be adjusted for 2026. Based on the most recent data, the approximate monthly income limits are:

  • Adults (ages 19-64): 138% of the FPL
  • Pregnant Women: 200% of the FPL
  • Children (up to age 18): 218% of the FPL
Speak with an expert

What is Venteur

Explore the best human-first Health Insurance platform

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Simple, personalized health benefits

Sign up in minutes, define your contribution, and let your employees choose the health plan that works right for them

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Integrations to make everything run smoothly

We'll connect with your payroll and finance systems to make deductions and premium payments seamless

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Easy onboarding and off-boarding

In just a few clicks, add your roster and make updates on the fly. We'll handle it from there.

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Venteur Certified Brokers to help your employees pick the right plan

Our trusted brokers ensure the best outcomes for employees and employers by unlocking health savings and providing unrivaled plan options.

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AI-powered plan recommendations to give you confidence while you shop

Backed by 30 years of healthcare data, Venteur’s AI helps employees compare and choose the best plan for their unique situation.

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Compliance and reporting because no-duh!

Venteur manages plan administration, reporting, and compliance so you can focus on growing your business.

See the platform

Discover the best health plans in Kentucky

Great Value
Ambetter
Expanded Bronze
HMO
Great Value
Great Value
Great Value
$
$
356.57
/mo
/mo

Everyday Bronze + Vision + Adult Dental

Deductible:
In-Network: $8,450 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $40 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $3 / Out-of-Network: Not Covered
Molina
Silver
HMO
$
$
379.86
/mo
/mo

Silver 12 250 with First 4 Primary Care Visits Free

Deductible:
In-Network: $7,000 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: first 4 visit(s) $0 then $40 / Out-of-Network: Not Covered | limit: see carrier documentation for more information
Generic Drugs:
In-Network: $10 per script / Out-of-Network: Not Covered
Great Coverage
Ambetter
Gold
HMO
Great Coverage
Great Coverage
Great Coverage
$
$
463.17
/mo
/mo

Everyday Gold + Vision + Adult Dental

Deductible:
In-Network: $750 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $35 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $3 / Out-of-Network: Not Covered

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Plans
4

Health insurance carriers on the marketplace

82

Plans available on the marketplace

18%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Insurance providers available in Kentucky