- Overview Of Health Insurance In Kentucky
- Finding Health Coverage In Kentucky
- Kentucky Medical Insurance Numbers
- Is Health Insurance Mandatory In Kentucky?
Overview Of Health Insurance In Kentucky
Kentucky, nicknamed the Bluegrass State for the pastures of bluegrass found in the state, is known for its bourbon, famed horse racing, and the home the ever so popular Kentucky Fried Chicken. As the 15th state to enter the union, Kentucky is the 26th most populous state, and the 37th largest in terms of total area.
Finding itself at the number 42 spot in the state health rankings, residents of the Bluegrass State have some room for improvement when it comes to healthcare. However, it should be noted that there is room for improvement across the country, not just in Kentucky. So, if you’re looking to start leading a healthier life, here’s what you need to know.
Finding Health Coverage In Kentucky
Healthcare is about more than just eating right and staying active, although those are two crucial steps to improving your quality of life. There are other important steps to take though, and what many don’t realize is that having a comprehensive health insurance plan plays a key role in your health as well. It’s time to stop viewing health coverage in Kentucky as strictly and insurance policy, and start viewing it as an investment in yourself.
When people don’t have health insurance, they report that they don’t seek out the medical attention they need. That doesn’t just apply to costly trips to the doctor or emergency room, but they often forgo routine checkups and services for fear of the high costs. Medical insurance gives you access to things like preventive services and primary care physicians for little to no cost, meaning you can take better care of all you healthcare needs. That being said, if you are looking to enroll in health insurance in Kentucky, here’s how to get started.
Kentucky Open Enrollment Dates
The Open Enrollment Period the only time during the year where Kentucky’s health insurance marketplace is open for business. When the Affordable Care Act (ACA) was passed, states were given the option to either create their own state run marketplace or exchange, or participate in the federally run and managed marketplace. The Bluegrass State chose the latter, which means that Kentucky’s Open Enrollment Period coincides with the federal Open Enrollment Period which runs through the following dates:
- November 1, 2018 - December 15, 2018
For many Kentuckians, the Open Enrollment Period is where you can find an enroll in the most affordable health insurance plans available. The reason being, policies sold through the marketplace have to adhere to certain rules and standards. For example, companies who offer marketplace coverage are not allowed to deny coverage to anyone based on medical history, and aren’t even allowed to charge them higher monthly premiums.
So, for anyone in Kentucky living with pre-existing or chronic health conditions, your best bet for comprehensive coverage that doesn’t break the bank will be during the annual Open Enrollment Period.
The health insurance marketplace is also where individuals and families can apply for subsidized medical coverage based on their income. If you qualify, you may end up paying substantially less than you might have outside the federal exchange. If you are eligible for Kentucky’s Medicaid program, Open Enrollment is also the best time of year to apply.
Kentucky Health Insurance Quotes
If the Affordable Care Act offered low cost health insurance for everyone, then it wouldn’t be such a controversial piece of legislation. Unfortunately, for the millions of Americans who don’t qualify for government subsidies or premium tax credits, they are finding it difficult to afford health insurance through their state or federal marketplaces. That’s why there has been a growing trend of people turning to the private sector for the healthcare needs.
FirstQuote Health specializes in helping you find and compare the most affordable health insurance quotes in Kentucky without compromising your benefits. Plans and pricing differ by area, so the way to find the most accurate quotes is by entering your zip code to see what’s available by you. You can even talk to an experienced agent who will answer any questions you have, and even point you in the right direction if needed. Get started with FirstQuote Health, and find the perfect plan as soon as today.
Coverage From Kentucky’s Best Health Insurance Companies
If you’re already happy with your current policy, or are already set on enrolling with a provider you’ve heard nothing but good things about, then you can skip the hassle of shopping around. Enrolling directly with one of the best health insurance companies in Kentucky may be the easiest way for you to get covered. Some of the most popular options include:
There’s no problem with enrolling directly with one of Kentucky’s top health insurance companies, but it’s still important to do your research. Just because a company has a great reputation and a brand name you recognize, doesn’t mean that they’ll have the best plan for you. Everyone’s healthcare needs are different, so shopping around definitely gives you more options.
A simple search online will direct you to countless reviews from current and past members who were willing to share their experiences. You can also read more about each company through trusted review sites like FirstQuote Health.
Kentucky Medical Insurance Numbers
Is Health Insurance Mandatory In Kentucky?
No, health insurance is not mandatory in Kentucky starting in 2019. When President Obama passed the Affordable Care Act, it created something known as the individual mandate. The mandate was a piece of legislation that required all Americans to enroll in health insurance or face a penalty come tax season. This was met with tons of backlash, especially from opponents of the ACA.
When President Trump was elected, it wasn’t long before he attempted to repeal and replace the Affordable Care Act. However, after a few unsuccessful attempts, he signed an executive order that eliminated the individual mandate in an attempt to undermine the ACA. Some states chose to create their own versions of the mandate, but Kentucky was not one of those states.