Passport by Molina Healthcare provides Kentucky's cheapest overall health insurance, with an average monthly premium of $464. However, Molina may not be available in your area, so you can look into Wellcare Health Plans of Kentucky and CareSource Kentucky for affordable health plans.
Cheapest Health Insurance in Kentucky: Affordable Plans for 2025
Updated: November 6, 2025
Advertising & Editorial Disclosure
Key Takeaways
Passport by Molina Healthcare provides the most affordable health insurance, saving policyholders an average of $705 annually compared to the state average.
Wellcare Health Plans of Kentucky offers top-rated full coverage Gold plans, with affordable pricing starting at $523 monthly.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Kentucky
| Passport by Molina Healthcare | $464 | $5,568 | $8,383 |
| Wellcare Health Plans of Kentucky, Inc | $481 | $5,771 | $7,720 |
| CareSource Kentucky Co. | $567 | $6,801 | $9,138 |
| Anthem Health Plans of KY(Anthem BCBS) | $579 | $6,954 | $8,285 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Health Insurance Provider in Kentucky: Passport by Molina Healthcare
Molina Healthcare
MoneyGeek Score:
98/ 100
Overview
Passport by Molina Healthcare provides government-funded quality health care through Kentucky's Medicaid, Medicare and Marketplace programs. At $464 monthly for Silver HMO coverage, you'll pay $59 less than the Kentucky average, saving over $700 annually.
Your maximum out-of-pocket costs stop at $8,383, protecting you from devastating medical bills. Passport has been serving Kentucky for over 20 years, and based on our analysis of denial rates, the company approves 81% of claims. Passport offers monthly Provider Connect Days at One Stop Help Centers throughout Kentucky, giving you in-person access to their team.
The HMO network structure means you'll need referrals before seeing specialists, but this restriction helps keep monthly premiums low. Passport operates as a wholly-owned subsidiary of Molina Healthcare, combining local Kentucky expertise with Fortune 500 company resources to serve marketplace members statewide.
Cheapest Kentucky Health Insurance Plans by Profile
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:
| Teens (18) | Passport by Molina Healthcare | $332 | $3,978 | $8,383 |
| Young Adults (26) | Passport by Molina Healthcare | $372 | $4,462 | $8,383 |
| Cheapest Expanded Bronze (40) | Wellcare Health Plans of Kentucky, Inc | $421 | $5,049 | $7,680 |
| Cheapest Bronze (40) | Anthem Health Plans of KY(Anthem BCBS) | $450 | $5,399 | $9,450 |
| Adults (40) | Passport by Molina Healthcare | $464 | $5,568 | $8,383 |
| Cheapest Gold (40) | Wellcare Health Plans of Kentucky, Inc | $525 | $6,304 | $7,600 |
| Seniors (60) | Passport by Molina Healthcare | $985 | $11,825 | $8,383 |
Cheapest Health Insurance Plans by County in Kentucky
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.
| Adair | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Allen | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Anderson | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Ballard | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Barren | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Bath | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Bell | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Boone | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Bourbon | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Boyd | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Boyle | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Bracken | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Breathitt | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Breckinridge | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Bullitt | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Butler | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Caldwell | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Calloway | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Campbell | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Carlisle | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Carroll | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Carter | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Casey | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Christian | CareSource Kentucky Co. | $473 | CareSource Marketplace Silver |
| Clark | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Clay | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Clinton | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Crittenden | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Cumberland | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Daviess | CareSource Kentucky Co. | $473 | CareSource Marketplace Silver |
| Edmonson | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Elliott | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Estill | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Fayette | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Fleming | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Floyd | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Franklin | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Fulton | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Gallatin | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Garrard | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Grant | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Graves | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Grayson | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Green | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Greenup | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Hancock | CareSource Kentucky Co. | $473 | CareSource Marketplace Silver |
| Hardin | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Harlan | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Harrison | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Hart | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Henderson | CareSource Kentucky Co. | $473 | CareSource Marketplace Silver |
| Henry | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Hickman | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Hopkins | CareSource Kentucky Co. | $473 | CareSource Marketplace Silver |
| Jackson | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Jefferson | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Jessamine | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Johnson | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Kenton | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Knott | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Knox | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Larue | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Laurel | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Lawrence | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Lee | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Leslie | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Letcher | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Lewis | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Lincoln | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Livingston | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Logan | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Lyon | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Madison | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Magoffin | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Marion | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Marshall | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Martin | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Mason | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| McCracken | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| McCreary | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| McLean | CareSource Kentucky Co. | $473 | CareSource Marketplace Silver |
| Meade | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Menifee | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Mercer | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Metcalfe | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Monroe | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Montgomery | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Morgan | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Muhlenberg | CareSource Kentucky Co. | $473 | CareSource Marketplace Silver |
| Nelson | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Nicholas | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Ohio | CareSource Kentucky Co. | $473 | CareSource Marketplace Silver |
| Oldham | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Owen | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Owsley | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Pendleton | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Perry | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Pike | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Powell | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Pulaski | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Robertson | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Rockcastle | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Rowan | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Russell | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Scott | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Shelby | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Simpson | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Spencer | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Taylor | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Todd | CareSource Kentucky Co. | $473 | CareSource Marketplace Silver |
| Trigg | CareSource Kentucky Co. | $473 | CareSource Marketplace Silver |
| Trimble | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Union | CareSource Kentucky Co. | $473 | CareSource Marketplace Silver |
| Warren | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Washington | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Wayne | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Webster | CareSource Kentucky Co. | $473 | CareSource Marketplace Silver |
| Whitley | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Wolfe | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
| Woodford | Wellcare Health Plans of Kentucky, Inc | $388 | Focused Silver |
How to Find the Cheapest Health Insurance in Kentucky
Follow these steps to find affordable health insurance in Kentucky:
- 1Determine what coverage plan you need and can afford
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2Find out your subsidy eligibility
People earning between $15,650 and $62,600 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($39,125) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3Consider federal programs if old enough
If you're of suitable age, explore Medicare Advantage plans and Medicare Supplement plans. These plans may offer more affordable and flexible alternatives to traditional plans.
- 4Review prescription formularies
Examine the prescription coverages for medications you take regularly. Some insurers position common medications in lower tiers with reduced copays compared to others, which could save you hundreds of dollars a year.
- 5Compare plans during Open Enrollment
Open Enrollment occurs from November 1 to January 15, with Special Enrollment available for specific life events like job loss, divorce or childbirth. Evaluate plan types, costs, customer reviews and network availability to find the most suitable and affordable coverage for your circumstances.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Kentucky: Bottom Line
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.
Cheap Kentucky Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Kentucky:
What is the cheapest health insurance in Kentucky?
Passport by Molina Healthcare offers the cheapest health insurance in Kentucky, with Silver plans starting at $464 for 40-year-olds. Your ideal option may vary, so consider exploring CareSource Kentucky Co., Wellcare Health Plans of Kentucky and others based on your income and coverage preferences.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies 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.
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About Mark Fitzpatrick
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.