Cheapest Health Insurance in Kentucky (2024 Plans)


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Updated: November 21, 2024

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Health care expenses vary depending on your plan's metal tier. In Kentucky, Anthem BCBS offers the most affordable Bronze plan. WellCare has the cheapest Expanded Bronze and Gold plans, and Passport by Molina Healthcare charges the lowest Silver premiums.

If you want to balance monthly premiums with quality coverage, MoneyGeek also found the best health insurance in Kentucky.

MoneyGeek Logo IconCheapestHealth InsuranceKentucky
2024

Most Affordable Health Insurance in Kentucky

Why Trust MoneyGeek? We downloaded plan data for Kentucky directly from the Centers for Medicare and Medicaid Services (CMS).

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Plan data was updated with the CMS exchange data released in October, the latest available data for the 2024 enrollment period.

55Plans Analyzed
 
8Providers Compared

Cheapest Health Insurance in Kentucky by Metal Tier

Health insurance costs vary by metal tier, with each tier balancing monthly premiums and health care costs differently.

The Silver 12 250 with First 4 Primary Care Visits from Passport by Molina Healthcare is the most affordable Silver plan in the state at a monthly cost of $426. Silver plans are the most common choice due to their balance of premium costs and health care coverages. Those seeking to reduce their monthly premium even more might consider Bronze plans, which offer lower rates at the expense of higher out-of-pocket expenses.

The most affordable health insurance plans from each metal tier are:

  • Bronze: Anthem Bronze Pathway X Transition HMO 9450 from Anthem BCBS ($404 per month)
  • Expanded Bronze: Everyday Bronze from WellCare Health Plans of Kentucky, Inc. ($375 per month)
  • Silver: Silver 12 250 with First 4 Primary Care Visits from Passport by Molina Healthcare ($426 per month)
  • Gold: Everyday Gold from WellCare Health Plans of Kentucky, Inc. ($472 per month)

For those searching for cheap health insurance, explore MoneyGeek's resources to view a range of coverages and associated costs to fit various needs and budgets.

Data filtered by:Results filtered by:
Age:
Age:40
Expanded BronzeEveryday BronzeWellcare Health Plans of Kentucky, Inc$375$9,250
BronzeAnthem Bronze Pathway X Transition HMO 9450 ($0 Virtual PCP + $0 Select Drugs + Incentives)Anthem Health Plans of KY(Anthem BCBS)$404$9,450
SilverSilver 12 250 with First 4 Primary Care Visits FreePassport by Molina Healthcare$426$9,450
GoldEveryday GoldWellcare Health Plans of Kentucky, Inc$472$7,500
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WHAT ARE METAL TIERS?

In the Kentucky health insurance marketplace, consumers can select from various metal tiers, including Bronze, Expanded Bronze, Silver and Gold. Each metal tier represents a different level of coverage and cost-sharing between the insurer and the insured.

Bronze plans tend to have the lowest premiums and highest cost-sharing when receiving medical care. With Bronze or Silver tiers, premiums increase, but out-of-pocket expenses typically decrease, offering a middle ground in overall costs. Gold plans charge higher premiums but have lower out-of-pocket expenses. This higher-tier plan is designed to minimize the cost burden when accessing health care services, providing the most comprehensive coverage in terms of cost-sharing.

Those earning below 250% of the Federal Poverty Level (FPL) are eligible for cost-sharing reductions on Silver plans. These reduce the cost of deductibles, copayments and co-insurance, making health care services more affordable.

Cheapest Silver Plans in Kentucky

Silver 12 250 with First 4 Primary Care Visits Free from Passport by Molina Healthcare is the cheapest Silver plan available in Kentucky, with a monthly cost of $426. The most affordable Silver health plans in Kentucky are:

  • Silver 12 250 with First 4 Primary Care Visits Free from Passport by Molina Healthcare ($426 per month)
  • Silver 1 250 from Passport by Molina Healthcare ($436 per month)
  • Focused Silver from WellCare Health Plans of Kentucky, Inc. ($439 per month)

Silver plans balance monthly premiums and out-of-pocket costs and are ideal for individuals who anticipate needing moderate health care services. Individuals with lower incomes may qualify for CSRs that make Silver plans even more affordable.

Data filtered by:Results filtered by:
Age:
Age:40
Passport by Molina Healthcare$426$9,450Silver 12 250 with First 4 Primary Care Visits Free
Passport by Molina Healthcare$436$7,850Silver 1 250
Wellcare Health Plans of Kentucky, Inc$439$8,000Focused Silver
Passport by Molina Healthcare$440$7,850Silver 1 250 with Adult Vision Services
Wellcare Health Plans of Kentucky, Inc$445$5,400Clear Silver + Vision + Adult Dental
Wellcare Health Plans of Kentucky, Inc$445$8,600Complete Silver
Wellcare Health Plans of Kentucky, Inc$456$8,000Focused Silver + Vision + Adult Dental
Wellcare Health Plans of Kentucky, Inc$462$8,600Complete Silver + Vision + Adult Dental
Anthem Health Plans of KY(Anthem BCBS)$509$7,200Anthem Silver Pathway X Transition HMO 6500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Health Plans of KY(Anthem BCBS)$511$9,200Anthem Silver Pathway X Transition HMO 4500 Adult Dental & Vision ($0 Virtual PCP + $0 Select Rx)
CareSource Kentucky Co.$514$9,100CareSource Marketplace Silver
CareSource Kentucky Co.$520$9,100CareSource Marketplace Silver Dental, Vision, & Fitness
CareSource Kentucky Co.$522$9,100CareSource Marketplace Low Premium Silver
Anthem Health Plans of KY(Anthem BCBS)$528$5,950Anthem Silver Pathway X Transition HMO 4200 for HSA ( + Incentives)
CareSource Kentucky Co.$529$9,100CareSource Marketplace Low Premium Silver Dental, Vision, & Fitness
CareSource Kentucky Co.$530$8,900CareSource Marketplace Core Silver
Anthem Health Plans of KY(Anthem BCBS)$534$7,500Anthem Silver Pathway X HMO 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
CareSource Kentucky Co.$537$8,900CareSource Marketplace Core Silver Dental, Vision, & Fitness
Anthem Health Plans of KY(Anthem BCBS)$538$9,200Anthem Silver Pathway X HMO 4500 Adult Dental & Vision ($0 Virtual PCP + $0 Select Rx)
CareSource Kentucky Co.$539$9,450CareSource Marketplace Diabetes Silver
Anthem Health Plans of KY(Anthem BCBS)$541$8,700Anthem Silver Pathway X HMO 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
CareSource Kentucky Co.$546$9,450CareSource Marketplace Diabetes Silver Dental, Vision, & Fitness
Anthem Health Plans of KY(Anthem BCBS)$549$9,450Anthem Silver Pathway X HMO 500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Health Plans of KY(Anthem BCBS)$565$7,200Anthem Silver Pathway X HMO 3500 for HSA ( + Incentives)

Cheapest Gold Plans in Kentucky

The Everyday Gold plan from WellCare Health Plans of Kentucky, Inc. is the most cost-effective Gold plan in Kentucky, available at a monthly cost of $472. The three most affordable Gold health plans available in the state are:

  • Everyday Gold from WellCare Health Plans of Kentucky, Inc. ($472 per month)
  • Everyday Gold + Vision + Adult Dental from WellCare Health Plans of Kentucky, Inc. ($490 per month)
  • Complete Gold from WellCare Health Plans of Kentucky, Inc. ($492 per month)

Gold plans are best suited for customers who expect to need moderate to high levels of care. Monthly payments tend to be higher than Silver or Bronze plans, but out-of-pocket costs when accessing health care services are lower.

Data filtered by:Results filtered by:
Age:
Age:40
Wellcare Health Plans of Kentucky, Inc$472$7,500Everyday Gold
Wellcare Health Plans of Kentucky, Inc$490$7,500Everyday Gold + Vision + Adult Dental
Wellcare Health Plans of Kentucky, Inc$492$7,700Complete Gold
Wellcare Health Plans of Kentucky, Inc$511$7,700Complete Gold + Vision + Adult Dental
Passport by Molina Healthcare$586$8,100Gold 1
Passport by Molina Healthcare$590$8,100Gold 1 with Adult Vision Services
CareSource Kentucky Co.$605$7,000CareSource Marketplace Core Gold
CareSource Kentucky Co.$613$7,000CareSource Marketplace Core Gold Dental, Vision, & Fitness
CareSource Kentucky Co.$640$8,700CareSource Marketplace Gold
CareSource Kentucky Co.$647$8,700CareSource Marketplace Gold Dental, Vision, & Fitness
CareSource Kentucky Co.$655$7,500CareSource Marketplace Diabetes Gold
CareSource Kentucky Co.$663$7,500CareSource Marketplace Diabetes Gold Dental, Vision, & Fitness
Anthem Health Plans of KY(Anthem BCBS)$677$7,250Anthem Gold Pathway X Transition HMO 2300 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Health Plans of KY(Anthem BCBS)$713$7,250Anthem Gold Pathway X HMO 2300 ($0 Virtual PCP + $0 Select Drugs + Incentives)

Cheapest Bronze Plans in Kentucky

At a monthly cost of $404, the most affordable Bronze plan in Kentucky is the Anthem Bronze Pathway X Transition HMO 9450 ($0 Virtual PCP + $0 Select Drugs + Incentives) from Anthem Health Plans of KY (Anthem BCBS). The cheapest Bronze plans in Kentucky are:

  • Anthem Bronze Pathway X Transition HMO 9450 ($0 Virtual PCP + $0 Select Drugs + Incentives) from Anthem Health Plans of KY (Anthem BCBS) ($404 per month)
  • Anthem Bronze Pathway X HMO 9450 ($0 Virtual Primary Care + 3 Free PCP Visits) from Anthem Health Plans of KY (Anthem BCBS) ($425 per month)

Bronze plans are generally well-suited for individuals who desire lower monthly premiums and are comfortable with higher out-of-pocket costs when utilizing health care services. These plans are particularly beneficial for those who are healthy and do not anticipate needing frequent medical care.

Data filtered by:Results filtered by:
Age:
Age:40
Anthem Health Plans of KY(Anthem BCBS)$404$9,450Anthem Bronze Pathway X Transition HMO 9450 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Health Plans of KY(Anthem BCBS)$425$9,450Anthem Bronze Pathway X HMO 9450 ($0 Virtual PCP + $0 Select Drugs + Incentives)

Cheapest Expanded Bronze Plans in Kentucky

The most affordable plan within the Expanded Bronze tier in Kentucky is the Everyday Bronze offered by WellCare Health Plans of Kentucky, Inc. at a monthly cost of $375. The top three least expensive Expanded Bronze plans in Kentucky are:

  • Everyday Bronze from WellCare Health Plans of Kentucky, Inc. ($375 per month)
  • Choice Bronze HSA from WellCare Health Plans of Kentucky, Inc. ($379 per month)
  • Everyday Bronze + Vision + Adult Dental from WellCare Health Plans of Kentucky, Inc. ($389 per month)

Expanded Bronze plans are designed for customers seeking coverage with moderate monthly premiums and higher out-of-pocket costs than Silver plans.

Data filtered by:Results filtered by:
Age:
Age:40
Wellcare Health Plans of Kentucky, Inc$375$9,250Everyday Bronze
Wellcare Health Plans of Kentucky, Inc$379$7,250Choice Bronze HSA
Wellcare Health Plans of Kentucky, Inc$389$9,250Everyday Bronze + Vision + Adult Dental
Wellcare Health Plans of Kentucky, Inc$394$7,250Choice Bronze HSA + Vision + Adult Dental
CareSource Kentucky Co.$422$9,400CareSource Marketplace Bronze First
Wellcare Health Plans of Kentucky, Inc$429$5,400Clear Silver
CareSource Kentucky Co.$429$9,400CareSource Marketplace Bronze First Dental, Vision, & Fitness
Anthem Health Plans of KY(Anthem BCBS)$431$8,700Anthem Bronze Pathway X Transition HMO 7700 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Health Plans of KY(Anthem BCBS)$435$9,450Anthem Bronze Pathway X Transition HMO 7000 Adult Dental & Vision ($0 Virtual PCP + $0 Select Rx)
Anthem Health Plans of KY(Anthem BCBS)$438$8,700Anthem Bronze Pathway X Transition HMO 7300 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Health Plans of KY(Anthem BCBS)$450$7,450Anthem Bronze Pathway X Transition HMO 6800 for HSA ( + Incentives)
Anthem Health Plans of KY(Anthem BCBS)$453$8,700Anthem Bronze Pathway X HMO 7700 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Health Plans of KY(Anthem BCBS)$458$9,450Anthem Bronze Pathway X HMO 7000 Adult Dental & Vision ($0 Virtual PCP + $0 Select Rx)
Anthem Health Plans of KY(Anthem BCBS)$462$8,750Anthem Bronze Pathway X HMO 6700 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Health Plans of KY(Anthem BCBS)$477$7,300Anthem Bronze Pathway X HMO 6700 for HSA ( + Incentives)
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WHAT IS A COST-SHARING REDUCTION?

Cost-sharing reductions (CSRs) are discounts that lower the amount you pay for deductibles, copayments and co-insurance on Silver plans. They can also reduce the plan's maximum out-of-pocket (MOOP) costs. For example, a Silver plan's MOOP expense might be $7,900; with a CSR, it could decrease to $2,500. CSRs are available to individuals who earn between 100% and 250% of the federal poverty level.

Cheapest Health Insurance in Kentucky by Plan Type

In Kentucky, Health Maintenance Organization (HMO) plans are the only plan type available. The most affordable HMO health plan in Kentucky for individuals seeking cost-effective coverage is:

  • HMO: Silver 12 250 with First 4 Primary Care Visits Free from Passport by Molina Healthcare ($426 per month)
Data filtered by:Results filtered by:
Age:
Age:40
Plan Type:
Plan Type:HMO
Passport by Molina Healthcare$426$9,450Silver 12 250 with First 4 Primary Care Visits Free
Passport by Molina Healthcare$436$7,850Silver 1 250
Wellcare Health Plans of Kentucky, Inc$439$8,000Focused Silver
Passport by Molina Healthcare$440$7,850Silver 1 250 with Adult Vision Services
Wellcare Health Plans of Kentucky, Inc$445$5,400Clear Silver + Vision + Adult Dental
Wellcare Health Plans of Kentucky, Inc$445$8,600Complete Silver
Wellcare Health Plans of Kentucky, Inc$456$8,000Focused Silver + Vision + Adult Dental
Wellcare Health Plans of Kentucky, Inc$462$8,600Complete Silver + Vision + Adult Dental
Anthem Health Plans of KY(Anthem BCBS)$509$7,200Anthem Silver Pathway X Transition HMO 6500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Health Plans of KY(Anthem BCBS)$511$9,200Anthem Silver Pathway X Transition HMO 4500 Adult Dental & Vision ($0 Virtual PCP + $0 Select Rx)
CareSource Kentucky Co.$514$9,100CareSource Marketplace Silver
CareSource Kentucky Co.$520$9,100CareSource Marketplace Silver Dental, Vision, & Fitness
CareSource Kentucky Co.$522$9,100CareSource Marketplace Low Premium Silver
Anthem Health Plans of KY(Anthem BCBS)$528$5,950Anthem Silver Pathway X Transition HMO 4200 for HSA ( + Incentives)
CareSource Kentucky Co.$529$9,100CareSource Marketplace Low Premium Silver Dental, Vision, & Fitness
CareSource Kentucky Co.$530$8,900CareSource Marketplace Core Silver
Anthem Health Plans of KY(Anthem BCBS)$534$7,500Anthem Silver Pathway X HMO 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
CareSource Kentucky Co.$537$8,900CareSource Marketplace Core Silver Dental, Vision, & Fitness
Anthem Health Plans of KY(Anthem BCBS)$538$9,200Anthem Silver Pathway X HMO 4500 Adult Dental & Vision ($0 Virtual PCP + $0 Select Rx)
CareSource Kentucky Co.$539$9,450CareSource Marketplace Diabetes Silver
Anthem Health Plans of KY(Anthem BCBS)$541$8,700Anthem Silver Pathway X HMO 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
CareSource Kentucky Co.$546$9,450CareSource Marketplace Diabetes Silver Dental, Vision, & Fitness
Anthem Health Plans of KY(Anthem BCBS)$549$9,450Anthem Silver Pathway X HMO 500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Health Plans of KY(Anthem BCBS)$565$7,200Anthem Silver Pathway X HMO 3500 for HSA ( + Incentives)
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WHAT'S AN HMO PLAN?

In Kentucky, the most common health insurance plan type is the Health Maintenance Organization (HMO) plan. HMOs generally offer lower monthly premiums and out-of-pocket costs and provide a network of doctors and hospitals that you can use to receive health care services. However, the downside is that these plans typically require a referral from a primary care physician to see a specialist. Out-of-network care is also usually not covered, except in emergencies.

Cheapest Health Insurance in Kentucky by County

Health insurance rates and availability of certain plans vary by county, affecting options for Kentucky residents. For example, the most affordable plans in the largest and smallest counties by population are offered by the same provider at a slightly different cost:

  • Jefferson: Focused Silver from WellCare Health Plans of Kentucky, Inc. ($400 per month)
  • Robertson: Focused Silver from WellCare Health Plans of Kentucky, Inc. ($388 per month)

The following table shows all available plans in each of Kentucky's counties.

Data filtered by:Results filtered by:
County:
County:Jefferson
Wellcare Health Plans of Kentucky, Inc$400$8,000Focused Silver
Wellcare Health Plans of Kentucky, Inc$405$5,400Clear Silver + Vision + Adult Dental

Health Insurance Costs in Kentucky by Age and Metal Tier

In Kentucky, age significantly affects health insurance rates. For example, the average 18-year-old pays $366 for a Silver plan, while a 60-year-old is charged $1,088 for the same plan — a $722 difference.

Metal tiers also impact cost, with Bronze typically having the lowest premiums and Gold the highest. A 40-year-old with a Bronze plan pays $420 and $597 for a Gold plan, showing a $177 increase for more comprehensive coverage.

Health Insurance Costs in Kentucky by Age and Metal Tier

What to Know About Health Insurance in Kentucky

There are a few primary options for health insurance coverage in Kentucky, including private insurance in Bronze, Expanded Bronze, Silver and Gold tiers, Medicaid and Medicare. Learn more about each below to pick the best health care for you.

Private Health Insurance in the Kentucky Marketplace

The open enrollment period in Kentucky typically aligns with the federal Healthcare.gov schedule, running from November 1 to December 15. During this window, residents can shop for private health insurance coverage through the state's exchange or directly from insurers. You won't be able to enroll in a health insurance plan outside this window unless you qualify for a Special Enrollment Period. Examples of life events that could trigger a Special Enrollment Period include marriage, the birth of a child or loss of other coverage.

Medicaid in Kentucky

Medicaid is a public health care assistance program in the United States jointly funded by federal and state governments that provides coverage to low-income individuals and families. In Kentucky, eligibility for Medicaid is determined based on income, family size and other factors. Income eligibility is typically measured against the Federal Poverty Level (FPL) guidelines. The Affordable Care Act allowed for an expansion of Medicaid eligibility, which Kentucky adopted, extending coverage to a broader range of low-income adults.

Medicare in Kentucky

Medicare is a federal health care program primarily for individuals aged 65 and older, but also for certain younger people with disabilities. Medicare is divided into different parts: A, B, C and D. Medicare Part A covers inpatient hospital care, skilled nursing facilities, hospice and home health care services. Part B covers outpatient care, doctor's services, preventive services and medical supplies. Part C (Medicare Advantage) is an alternative that bundles A, B, and often D, providing extra benefits through private insurers. Part D covers the cost of prescription drugs.

MoneyGeek found the best Medicare Advantage Plans in Kentucky and the best Medicare Supplement plans in Kentucky for individuals seeking comprehensive coverage.

Kentucky Health Insurance FAQ

When looking for health insurance, you may have questions about cost and availability. MoneyGeek responded to frequently asked questions about cheap private health insurance in Kentucky to help you learn more.

What are the cheapest Silver and Gold plans in Kentucky for 2024?

What are the downsides of a cheap health insurance plan?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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