Kentucky health insurance plans

You have more insurance options for your health than you think, Kentucky

If you’re self-employed or without insurance from your employer — in other words, you’re looking for individual or family health insurance in Kentucky — you might be looking for Affordable Care Act insurance, what's often called Obamacare. However, we want to make you aware of the whole range of individual and family insurance products we have available in your state.

Plans for health insurance coverage in Kentucky

Short term health insurance in Kentucky

A temporary medical insurance plan like short term health insurance¹ underwritten by Golden Rule Insurance Company may provide:

Budget-friendly monthly payments
Health care coverage while you search for a long term option

See short term health insurance plans in Kentucky

Questions about short term insurance? Call 1-844-711-0168 / TTY 711 to talk to a representative.

Health insurance coverage for multiple years

TriTerm Medical Insurance,²underwritten by Golden Rule Insurance Company, is short term health insurance that offers coverage for preventive care, doctor office visits, and prescriptions.

Apply once for insurance coverage terms that equal one day less than 3 years
$2 million lifetime maximum benefit per covered person on most plans
Eligible expenses for preexisting conditions are covered after 12 months on the plan

See TriTerm medical insurance plans in Kentucky

Questions about TriTerm medical insurance? Call 1-844-711-0168 / TTY 711 to talk to a representative.

Supplemental, dental and vision insurance in Kentucky

Hospital & doctor insurance

Health ProtectorGuard fixed indemnity insurance,³ underwritten by Golden Rule Insurance Company, can supplement your major medical plan by paying cash for eligible, covered medical services, like a doctor visit, a trip to urgent care or a surgical procedure.

No deductibles or copays to pay first
Benefits paid regardless of other insurance
Money to pay costs not covered by major medical plans, like a deductible

See hospital & doctor insurance plans in Kentucky

Kentucky dental plans

Dental insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.⁴ They offer coverage for the dental services many medical insurance plans don’t include.

See dental insurance plans in Kentucky

Kentucky vision plans

Vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.⁴ They offer coverage for the vision services many medical insurance plans don’t include.

See vision insurance plans in Kentucky

Accident & critical illness insurance

Accidental injuries and critical illness happen when you least expect them. Those unexpected expenses can strain any budget. Accident insurance³ and critical illness insurance³ can help by paying cash benefits for covered injuries or illnesses.

See accident & critical illness insurance plans in Kentucky

Looking for other health plans?

Need help finding a plan?

Answer a few questions to see which insurance options may be available for you.

Help me find a plan

Medicare plans

Health insurance for individuals who are 65 or older, or those under 65 who may qualify because of a disability or another special situation.

Call 1-844-232-1426 to learn more.

Find a Medicare plan

Learn about Medicare plans

Medicaid plans

We offer low cost or no cost health insurance plans for those with limited incomes.

Learn about Medicaid plans

Footnotes

Short Term health insurance is medically underwritten and does not cover preexisting conditions. It is not minimum essential coverage as defined by the Affordable Care Act (ACA) and may not cover all Essential Health Benefits in your state. Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.
TriTerm Medical Insurance is a medically-underwritten, short term limited-duration product. It is not minimum essential coverage as defined by the Affordable Care Act (ACA) and may not cover all Essential Health Benefits in your state. Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.
THIS PLAN PROVIDES LIMITED BENEFITS. This is a supplement to health insurance and is not a substitute for the minimum essential coverage defined by the Affordable Care Act (ACA).
Primary insured must be 18 years of age or older.

Product design and availability varies by state. Some benefits have waiting periods.

No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.

Each company is a separate entity and is not responsible for another's financial or contractual obligations.

Administrative services are provided by United HealthCare Services, Inc. or their affiliates.

Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc.

This policy is subject to various exclusions and limitations. For costs and complete details of the coverage, call (or write) your insurance agent or the company (whichever is applicable).