In Kentucky, the state health insurance exchange and Medicaid offer cheap health insurance plans for residents, although the best policy for you depends on your medical needs and financial situation.
For 2023, the average cost of health insurance in Kentucky is $450 a month for a 40-year-old.
We analyzed all health plans on the Kentucky marketplace and found that the Ambetter Clear Silver plan is the cheapest Silver plan in 49% of counties.
We compared Kentucky health insurance plans by metal tier and identified the cheapest policy in the state for each level of coverage. You can use the table below to compare the different costs and benefits of the metal tiers.
For example, the Ambetter Clear Silver is the cheapest Silver plan, and it comes with a monthly premium of $362 for a 40-year-old and a deductible of $5,400. On the other hand, the monthly premium for the cheapest Gold plan, the Ambetter Everyday Gold, is $402, but it has a much lower deductible of $750.
Although Ambetter provides some of the cheapest plans in Kentucky, the cheapest plan for your county may differ depending on insurer availability.
|Bronze||Ambetter Clear Bronze||$297||$8,600||$8,600|
|Expanded Bronze||Ambetter Everyday Bronze||$321||$8,300||$8,700|
|Silver||Ambetter Clear Silver||$362||$5,400||$5,400|
|gold||Ambetter Everyday Gold||$402||$750||$7,500|
Find Cheap Health Insurance Quotes in Your Area
your age and the metal tier of the plan you choose are two important factors that impact your monthly health insurance premium. As the policyholder’s age increases, premiums across all metal tiers increase.
In Kentucky, the average premium for a 40-year-old is 28% more expensive than the premium for a 21-year-old. The average premium for a 60-year-old is 112% more expensive than for a 40-year-old.
Finding your best health insurance coverage in Kentucky