Need Kentucky Health Insurance Quotes?

Purchasing health insurance in Kentucky is an important matter and as such, it deserves significant thought and consideration. Several factors may affect your decision regarding the type and amount of health insurance that you choose to purchase. Regulations regarding health insurance vary from one state to the next. Be sure to consider the following facts, when considering the purchase of Kentucky health insurance.

Affordable health insurance in Kentucky is a distant memory. Premiums continue to rise to new heights each year burdening health care providers and consumers alike. Compounding this crisis, more people find themselves uninsured every day.

Group health plans sponsored by employers still offer the best and most affordable insurance coverage. Employers must treat all employees seeking membership in their group plan equally. Insurance companies are prohibited from denying coverage to an employee due to health status.

Individuals without access to an employee plan can choose from a variety of private company plans. Kentucky requires standardization of health insurance policies. All policies offer the same coverages which makes shopping easier for insurance consumers.

Small employers with 2-50 employees can participate in small group plans. Insurance carriers offering health plans to small employers cannot turn them down due to the health status of group members. This offers small employers a chance to provide much-needed benefits to their employees and makes employee retention easier.

Kentucky maintains a high-risk insurance pool for uninsurable consumers called Kentucky Access. All family members can purchase coverage but are rated individually because there are no family rates available.

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