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Kentucky health insurance

A guide to affordable health insurance in the Bluegrass State

kentucky guide to health insurance

How healthy is living in Kentucky? There is room for improvement, according to recent data. Kentucky – consistently ranked in the bottom 20 percent of states – is ranked 44th in the United Health Foundation's 2012 comparison of health status across the 50 states.

The good news:

  • Immunization rates for young children increased 2.5 percentage points to 92.2 percent in 2012.

The bad news:

  • Kentucky has the nation's highest percentage of adult smokers: 29.0 percent.
  • Obesity rates top 30 percent, and 29.3 percent of adults are physically inactive.
  • Kentucky rates 44th in air quality.

Kentucky's best and worst category rankings:

  • Binge Drinking – 9th
  • Violent Crime – 10th
  • Immunization Coverage – 14th
  • Preventable Hospitalizations – 50th
  • Smoking – 50th
  • Cancer Deaths – 50th

For more details see the United Health Foundation’s latest findings on Kentucky.

Trust for America’s Health is another source for key Kentucky health quality findings.

In addition, 2010’s federal health reform, the Affordable Care Act (ACA), included the creation of a prevention fund to provide more than $16 billion over the next 10 years to invest in effective, proven prevention efforts, like childhood obesity prevention and tobacco cessation, and the site has a report on how it impacts Kentucky here.

Get local health results

State snapshot too large? Get county-by-county health rankings for Kentucky, from the Robert Wood Johnson Foundation and the Population Health Institute at the University of Wisconsin.

Does Kentucky have
a health insurance high risk pool?

Kentucky Access
Toll-free 1-866-405-6145

IMPORTANT UPDATE: In 2010, Kentucky started offering health care insurance coverage to residents through the federally established temporary high-risk pool program. Learn about eligibility here.

Rapidly becoming obsolete as state health insurance exchanges prepare to open, risk pools were state-sponsored programs that helped people who could afford to buy health insurance, but were not able to get underwritten in the private market because of a pre-existing health condition.

Programs varied significantly from state to state in price, benefits and number of people served. Often insurance companies doing business in the state were required to contribute to the pool to keep it in the black.

In the best cases, they allowed people to be able to switch jobs or become self-employed without the fear of losing their health insurance coverage. Read more about risk pools here.

More Kentucky resources

Kentucky state health insurance exchange

Kentucky’s exchange

Find out what your state’s health insurance exchange will look like.


$15.3 million to 249,275 families

Insurance companies were forced to return an average of $114 per Kentucky family in 2012.


Find out how your member of the Kentucky Congressional delegation voted on health care.

KY state government resources

Kentucky Cabinet for Health and Family Services

The health insurance section of the official state…

Kentucky Health Care Reform

The Kentucky Department of Insurance is working to implement the Patient Protection and Affordable Care…

Kentucky State Publications on Health Insurance

Brings you down to the health insurance…

Kentucky health insurance companies

Anthem Blue Cross and Blue Shield
Golden Rule

Health insurance for KY individuals

Resources for those individuals seeking health care insurance in Kentucky. If you are looking for Kentucky Medicare, visit our site for health insurance over 65.