Search

Cheap Health Insurance in Kentucky

In Kentucky, be it gold, bronze or silver, the name of your insurance plan can have varied terms and conditions. What else is there to such schemes? And what must you pay attention to? We present a cheat sheet.
Cheap Health Insurance in Kentucky
There's much more to an insurance plan than just it's name. Here’s everything you need to know about cheap health insurance in Kentucky.
In this article

A 40-year-old person in Kentucky can get a silver insurance plan at an average monthly cost of $497. A bronze or an expanded bronze plan will save you money, but the cost of medical care will increase. Conversely, a gold plan can be more expensive but lets you spend less at the doctor. There’s much more to an insurance plan than just it’s name. Here’s everything you need to know about cheap health insurance in Kentucky.

Top Cheap Health Insurance in Kentucky

Let’s look at the top cheap health insurance providers in Kentucky.

Beem 

Beem is an insurance marketplace that lets you compare and enroll in plans from various companies. It can help you find a plan that best suits your needs. Here are its advantages:

  • Convenience: Compare plans from multiple insurers in one place.
  • Guidance: Get help choosing a plan based on your needs.
  • Enrollment Assistance: Simplify the enrollment process.

United Healthcare

United Healthcare boasts an extensive network of doctors and hospitals nationwide, making it a popular choice. It offers multiple options to suit different needs and budgets. However, United Healthcare can be expensive, with potentially higher deductibles and out-of-pocket costs.

FeatureDetails
ProsLarge network of doctors and hospitals; established reputation.
ConsCan be expensive; may have high deductibles and out-of-pocket costs.
Monthly CostDepends on plan, location, and age.
Out-of-Pocket CostsVaries with plan, typically includes deductible, copay, and coinsurance.
DeductibleDepends on the plan and amount you pay before insurance kicks in.

CareSource Kentucky

CareSource’s regional focus can translate into competitive rates for state residents. However, their network might be limited outside of Kentucky, making them less suitable if you travel frequently or require care outside the state.

FeatureDetails
ProsMay offer competitive rates in Kentucky; focus on regional coverage.
ConsLimited network outside of Kentucky.
Monthly CostVaries with plan, location, and age.
Out-Of-Pocket CostsDepends on plan, typically includes deductible, copay, and coinsurance.
DeductibleVaries with the plan, amount you pay before insurance kicks in.

Aetna

Aetna offers an extensive national network of healthcare providers, giving you flexibility when choosing your doctor. They also have various plan options, including HMO, PPO, and high-deductible plans. However, depending on the plan, Aetna can be expensive, and customer service experiences may vary.

FeatureDetails
ProsLarge national network; variety of plans.
ConsCan be expensive depending on the plan, customer service reviews may vary.
Monthly CostVaries with plan, location, and age
Out-Of-Pocket CostsDepends on plan, typically includes deductible, copay, and coinsurance.
DeductibleVaries with plan and amount you pay before insurance kicks in.

Anthem Blue Cross

Anthem Blue Cross is a well-established company with a strong reputation. It has a large network in certain regions, which is particularly attractive if you live in an area they serve well. However, availability can be limited by state, and its plans may have higher costs in some areas.

FeatureDetails
ProsLarge network in certain regions, established company with a strong reputation.
ConsAvailability can vary by state; may have higher costs in some areas.
Monthly CostVaries with plan, location, and age.
Out-Of-Pocket CostsDepends on plan, typically includes deductible, copay, and coinsurance.
DeductibleVaries with plan, amount you pay before insurance kicks in.

Humana

Humana offers many plan options, including HMO, PPO, and SNP. They’re mainly known for their Medicare Advantage plans (for those 65 and older). However, customer reviews for Humana’s service can vary, and some plans may have higher out-of-pocket costs.

FeatureDetails
ProsLarge national network (especially for Medicare Advantage plans), offers a variety of plans, including HMO, PPO, and SNP.
ConsCustomer service reviews may vary; may have higher out-of-pocket costs for certain plans.
Monthly CostVaries with plan, location, and age.
Out-Of-Pocket CostsDepends on plan, typically includes deductible, copay, and coinsurance.
DeductibleVaries with plan, amount you pay before insurance kicks in.

Wellcare Health Plans

Wellcare Health Plans primarily focuses on offering Medicare Advantage plans. They may be a good option if you’re eligible for Medicare and are looking for competitive rates in specific regions. However, Wellcare’s network of doctors and hospitals might be limited compared to some national insurers.

FeatureDetails
ProsFocuses on Medicare Advantage plans, May offer competitive rates in some areas
ConsLimited network compared to some national insurers
Monthly CostVaries depending on plan, location, and age
Out-Of-Pocket CostsVaries depending on plan, typically includes deductible, copay, and coinsurance
DeductibleVaries depending on plan, amount you pay before insurance kicks in

Molina Healthcare

Molina Healthcare prioritizes serving underserved communities and offers affordable plans for Medicaid recipients and low-income individuals. However, Molina’s network of healthcare providers may be limited in some areas.

FeatureDetails
ProsMay offer affordable plans for Medicaid recipients and low-income individuals, Focus on serving underserved communities
ConsLimited network in some regions
Monthly CostVaries depending on plan, location, and eligibility
Out-Of-Pocket CostsVaries depending on plan, typically includes deductible, copay, and coinsurance
DeductibleVaries depending on plan, amount you pay before insurance kicks in

Conclusion

Consider your family’s present and near-term medical demands when seeking an affordable health insurance plan. Do you intend to become a parent again? Do you take prescription drugs? Consider each aspect while deciding on a high-deductible plan. Premiums for a high-deductible health plan are usually lower. But you have to pay more out of cash for medical expenses. Also, check Beem for personalized auto insurance quotes from the leading providers and get up to 40% off on your preferred coverage.

Read Related Article: Cheap health insurance in Alabama.

FAQs

Who has the lowest health insurance rates in Kentucky?

At $426 a month, the Silver 12 250 with First 4 Primary Care Visits Free by Passport by Molina Healthcare is the least expensive Silver plan available in Kentucky. Silver is the most common plan type.

How to get free health insurance in Kentucky?

Millions of Americans receive free or inexpensive health insurance through Medicaid. People with low incomes, families with young children, expectant mothers, older people, and those with disabilities are all eligible for coverage. You must fulfill eligibility conditions to be eligible for Medicaid.

Which has low deductibles and out of pockets  in Kentucky

Cost-sharing reduction (CSR) subsidies, which reduce your deductible, coinsurance, copays, and out-of-pocket maximum, are only available to silver plan tiers. Compared to a Gold plan, this can help you receive better coverage at a lower cost.

Was this helpful?

Did you like the post or would you like to give some feedback? Let us know your opinion by clicking one of the buttons below!

👍👎

Author

Picture of Raman Gujral

Raman Gujral

An achievement-oriented professional, Raman has 10+ years of experience in B2B SaaS and B2C products across Fintech, Telecom, Digital Media, Social Media and Logistics domains. Defining and communicating product vision and strategy, product roadmap development, product positioning, and data analysis, he is also an expert in health insurance and personal loans content.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

Related Posts

How Much Does Fake Teeth Cost?
Replacing missing teeth offers a lot of advantages. A complete set of teeth enhances your appearance and plays a crucial role in maintaining the structure of your mouth and jaw. Let's get started on this exciting and important topic.
How to Get Dental Implants Covered by Medical Insurance
Modern technology and treatment methods enable us to restore our smiles because of dental implants. Yet, such implants can be expensive. This blog dwells on how to subvert such costs.
Does Dental Insurance Cover Implants?
Dental implants are a valuable solution for replacing missing teeth. Yet, their high costs are a concern. In this blog, discover whether dental insurance covers implant costs, among others, to help you make the right decision.
How to Get Insurance to Pay for Eyelid Surgery
Eyelid surgery can provide multiple benefits, cosmetic and functional. It can rejuvenate your appearance by removing excess skin, fat, and muscle from the upper and lower eyelids. It can also address medical issues. But read this blog to understand if insurance will meet your needs.
Is Blepharoplasty Covered By Insurance?
Understanding insurance coverage for blepharoplasty hinges on its distinction between cosmetic and medically necessary purposes. Since medical insurance doesn't typically cover cosmetic procedures, elective blepharoplasty for aesthetic reasons is usually not reimbursed. And how can one determine if insurance will cover the procedure? Read to know more.
Does Insurance Cover Root Canal?
This blog will cover everything about root canal procedures, their associated costs, and how dental insurance can help pay for treatment. It also examines dental insurance plans and ways to get the most from your coverage.
Features
Essentials

Get up to $1,000 for emergencies

Send money to anyone in the US

Ger personalized financial insights

Monitor and grow credit score

Save up to 40% on car insurance

Get up to $1,000 for loss of income

Insure up to $1 Million

Coming Soon

File federal and state taxes at low cost

Quick estimate of your tax returns

Get up to $1,000 for emergencies

Send money to anyone in the US

Save big on auto insurance - compare quotes now!

Zip Code:
Zip Code: