See your Kentucky health insurance coverage options now.

Find affordable individual and family plans, small-group, short-term.

View our comprehensive guides to coverage in Kentucky

How Do I Know If I Need Life Insurance?

Losing a loved one can be a difficult time, both emotionally and financially. It can be especially challenging for those who are grieving to gather the necessary funds to cover the expenses associated with burial or final arrangements. To ease this burden, life insurance can be beneficial as it covers medical bills, burial costs, and other debts that may arise after your demise. You may want to consider life insurance if you have any of the following concerns:

  • Age: If you are getting older, you may want to provide for your loved ones after you are gone.
  • Assets: If you want the insurance money to pay off any debts you owe, it can simplify the process of transferring your assets to the intended beneficiaries.
  • Future Financial Support: If others depend on you for financial support, life insurance can provide for their care, maintenance, education, and other expenses even after you are no longer there to support them.

Frequently asked questions about health insurance coverage options in Kentucky

Health insurance is not mandatory for individuals in Kentucky. However, having health insurance coverage is strongly recommended to protect yourself from high medical costs and ensure access to necessary healthcare services.

Kentucky residents can obtain health insurance through employer-sponsored plans, government programs like Medicaid and Medicare, individual plans purchased through the health insurance marketplace, or private insurance brokers.

The health insurance marketplace in Kentucky is known as Kynect. It is a state-based marketplace where individuals and families can compare and purchase health insurance plans. It offers a range of coverage options and financial assistance programs for those who qualify.

To apply for health insurance in Kentucky, you can visit the Kynect website ( or call their customer service helpline. You can also work with a certified insurance agent or broker who can assist you in the application process.

Yes, there are financial assistance programs available to help make health insurance more affordable for eligible individuals and families in Kentucky. These programs include premium tax credits and cost-sharing reductions for those who qualify.

Plans are available from top health insurance companies and may include:​