Kentucky Health Insurance
Find the right health insurance policy for you.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Just when you think you’ve got healthcare figured out, it begins to change. Residents of Kentucky and many people in America are curious to see the effects of the Affordable Care Act (ACA). But for some, the need for Kentucky health insurance is urgent.
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Kentucky Health Statistics
- Out of every 100,000 people, eight people have an infectious disease.
- 25% of the population is in less than good health.
- On average, residents take five sick days per month.
- On average, residents take four mental health days per month.
- 13% of the population has asthma.
- For every 100,000 people, 212 die from cancer.
- For every 100,000 people, 224 die from heart disease.
The Danger of Being Uninsured
For many reasons, almost 700,000 Kentucky residents are uninsured. Many residents believe that healthcare is too expensive. Others aren’t even aware of the options that are available. The search for affordable Kentucky health insurance quotes is tedious but it’s a necessary task. In 2014, the Affordable Care Act will make it illegal to live without health insurance. If you aren’t insured, you will have to pay a penalty fee at tax time. Now is the time to start looking for Kentucky health insurance.
Without health insurance, you’ll be responsible for the full cost of medical procedures. You can try to skip a yearly checkup. But accidents happen, and if you break your arm, you have no option but to seek medical attention. In an emergency, you may find it’s hard to access care. Publicly funded hospitals must take patients regardless of their ability to pay, but privately funded hospitals have the right to turn you away if you don’t have proof of insurance. Those that accept the uninsured could be short-staffed and busy. Do you know how your local hospital gets its funding?
Kentucky Health Insurance and the ACA
Some aspects of the ACA are already in place in Kentucky. As more changes take effect, residents will have more options for obtaining insurance, but it may still be difficult to navigate. Trusted Choice member agents can help guide you through the process of selecting insurance for yourself and your family whether it’s from traditional individual insurance plans or the new state exchange option. If you already have health insurance, member agents can help you compare your current plan with new plans to see if you are eligible for upgrades or can make improvements.
Kentucky is participating in the expansion of Medicaid, which means more families will be eligible for the federal health insurance program. Any resident earning up to 133 percent of the federal poverty level (around $15,000) will be able to opt into Medicaid. But, even that program can have coverage gaps. With the help of an independent agent in the Trusted Choice network, the search for comprehensive coverage is easier.
Ready to Save On Insurance?
Our independent agents shop around to find you the best coverage.
Make Sure You Get Coverage
Trusted Choice® member agents are not committed to a specific insurance provider, so they can find you Kentucky health insurance quotes from any number of insurance companies and can get you the best deal for your money.
If you’re ready for professional assistance with your Kentucky health insurance, contact a Trusted Choice network member agent. It only takes a few moments to find an agent in your area.