Best Health Insurance in Kentucky


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Key Takeaways

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Overall, Passport by Molina Healthcare offers the best and most balanced health insurance coverage in Kentucky.

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Passport by Molina Healthcare provides the best cheap health insurance in Kentucky, with Silver-tier plans averaging $303 monthly, where available.

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To find the best health insurance in Kentucky, educate yourself on companies available to you, decide coverage needs beforehand and compare plan quotes from several companies.

Best Health Insurance Companies in Kentucky

With a MoneyGeek score of 85 out of 100, Passport by Molina Healthcare offers the best health insurance in Kentucky, balancing affordability, customer service and coverage. If this provider is unavailable locally, Wellcare, Anthem Health Plans and CareSource also provide excellent coverage options in the state.

Best Provider
MG Score
Best Plan

Passport by Molina Healthcare

85

Silver 1 250

Wellcare Health Plans of Kentucky, Inc

83

Clear Silver

Anthem Health Plans of KY(Anthem BCBS)

80

Anthem Silver Pathway X HMO 3500 for HSA

CareSource Kentucky Co.

79

HDHP Preventive Silver 5500 $0 Select Drugs

*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.

Best Health Insurance in Kentucky by Category

While we've given our top picks overall, the best company for you may differ depending on your profile and preferred plan type. So below, we've broken down the top picks for common categories to make more personalized recommendations.

Young AdultsPassport by Molina Healthcare
SeniorsPassport by Molina Healthcare
HMOPassport by Molina Healthcare

Best Kentucky Health Insurance Reviews

So that you can learn about our recommendations, we've broken down our top picks overall, for affordability and customer service reputation.

Molina Healthcare

Molina Healthcare: Best Overall

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pros

  • Allows coverage flexibility between in and out of network providers

  • Cheapest rates in the state

  • Best overall for most in Kentucky

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cons

  • Poor customer service and communication problems

COMPANY HIGHLIGHTS

Overall, Passport by Molina Healthcare was our pick for the best health insurance in Kentucky due to its comprehensive coverage options and strong commitment to serving Kentucky communities. Passport offers robust benefits with extensive provider networks throughout the state, competitive plan designs and integrated care management that provides reliable coverage for Kentucky residents. It also offers Silver plans starting at $303 monthly, the lowest rate in the state.

Anthem Blue Cross and Blue Shield

Anthem Blue Cross Blue Shield: Best Customer Reputation

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pros

  • Strong financial stability and reputation

  • Highest customer reputation score in Kentucky

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cons

  • Largest number of in-network counties

  • No out-of-network coverage, unless there's a medical emergency

COMPANY HIGHLIGHTS

Anthem Blue Cross Blue Shield stands out for customer service in Kentucky as a trusted regional leader with deep local roots and a comprehensive member support infrastructure. With extensive experience serving Kentucky families, Anthem BCBS provides personalized customer service, responsive claims processing and local market expertise that helps residents navigate their health care coverage statewide.

How to Find the Best Health Insurance for You in Kentucky

The following recommendations will ensure that buying health insurance that is ideal for you is easy.

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    Decide on your coverage needs before buying

    When looking for the best health insurance, weigh the monthly cost against the maximum out-of-pocket plan limits. If you go to the doctor often, a plan with a higher monthly fee but lower MOOP can save you money. But you may not need as much coverage if you're not high risk. Also, compare health insurance plan types to ensure how flexible a provider will be in covering you.

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    Compare company offerings and reputations

    Before comparing rates, understand what plans the top companies in your area offer and their terms. Also, look into company reputations through forums and industry sources like J.D. Power to ensure a smooth buying and coverage claims process.

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    Shop around

    Comparing multiple plans from many providers ensures you get the best possible deal. We found that rates can start at $303 monthly in Kentucky, depending on your profile and chosen plan type. Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, divorced or had a child.

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    Take advantage of federal programs and subsidies

    Those with low income, have a qualifying disability or illness, or are 65 years old or older can receive subsidies or be eligible for Medicare plans. In some cases, depending on your details, you can have up to 100% of your premiums covered if you're low-income or have significant savings if you're eligible for Medicare. MoneyGeek also provides information for finding the top Kentucky Medicare Supplement and best Medicare Advantage plans in Kentucky if you want to learn more.

Best Health Insurance in Kentucky: Bottom Line

Our top three picks for Kentucky health insurance are Passport by Molina Healthcare, Wellcare Health Plans and Anthem Health Plans. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs. Compare as many plans and companies as possible to get the right fit.

Best Kentucky Health Insurance: FAQ

Below, we've answered frequently asked questions about the best health insurance in Kentucky:

What is the best health insurance provider in Kentucky for 2025?

What should you look for when shopping for the best health insurance plan in Kentucky?

How We Chose the Best Health Insurance in Kentucky

To rank health care insurance providers in Kentucky, MoneyGeek researched premiums, out-of-pocket costs, claims denial rates and plan types for each available company and compared them across different categories. We then weighted each category to calculate an overall MoneyGeek score and derive rankings.

We weighted most categories as follows:

  • Maximum out-of-pocket (MOOP) score (30%): The MOOP is the most you'll pay per year for health care costs outside of your monthly premiums. The provider with the lowest average MOOP scores the highest.
  • Claims denial score (30%): How often a provider denies claims. The provider with the lowest claims denial rate scores the highest.
  • Rate score (20%): How much the provider's monthly plans cost. The cheapest provider, on average, gets the highest score.
  • Plan type score (20%): Providers score better if they have plan types with broader coverage. A provider with many PPO plans will get the highest score.

In some cases, we adjusted the weightings as follows:

  • For the categories "Best Cheap Health Insurance in Kentucky" and "Best Health Insurance in Kentucky for Low Income," we increased the rate score weighting to 50%. We decreased every other category by 10%.
  • For the category "Best Health Insurance by Plan Type in Kentucky," we decreased the plan type score weighting to 0% to reflect that we are comparing providers' plans like-for-like. We increased MOOP and claims denial score weightings by 10% each.

Sample Consumer:

MoneyGeek collected data on all available plans in Kentucky for consumers aged 18, 26, 40, 50 and 60. Unless otherwise noted, all monthly premiums are for a 40-year-old buyer, such as the category for young adults. Plans analyzed in each section include the relevant cited metal tiers, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.

About Mark Fitzpatrick


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Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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