Most Affordable Health Insurance in Kentucky

Passport by Molina Healthcare provides the cheapest overall health insurance in Kentucky, with an average monthly premium of $303. Availability can vary, so check out Wellcare Health Plans of Kentucky and CareSource Kentucky for affordable health plans.

*These plans reflect rates for 40-year-olds who are not considered low-income.

While we've summarized the cheapest companies for most in Kentucky, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:

• Cheapest For Young Adults: Passport by Molina Healthcare ($340 monthly)
• Cheapest For Seniors: Passport by Molina Healthcare ($901 monthly)
• Cheapest Bronze Plan: Wellcare Health Plans of Kentucky ($371 monthly)
• Cheapest Silver Plan: Passport by Molina Healthcare ($424 monthly)
• Cheapest Gold Plan: Wellcare Health Plans of Kentucky ($473 monthly)

While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.

While Passport by Molina Healthcare ranks the cheapest provider overall, Wellcare Health Plans of Kentucky leads in affordability and availability for Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.

Follow these steps to find affordable health insurance in Kentucky:

Passport by Molina Healthcare, Wellcare Health Plans of Kentucky and CareSource Kentucky are the most affordable health insurance companies in Kentucky. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.

Below are frequently asked questions about finding affordable health insurance in Kentucky:

MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Kentucky based on consumers aged 18, 26, 40, 50 and 60. 

We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.