Health insurance prices in Kentucky (2026)
85 marketplace plans from 3 insurers across 120 counties. Official marketplace: kynect.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
Compare options
Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $435–$689 (typical $566) · Silver $521–$803 (typical $666) · Gold $582–$1,003 (typical $738) · Catastrophic $427–$583 (typical $511)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 120) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Molina Healthcare | 6 | 7 | $521 Silver | no Bronze | $527 | $647 | Passport Silver Saver 70 with Four Free PCP Visits |
| Ambetter (Centene) | 108 | 16 | $435 | $545 | $657 | $729 | Everyday Bronze |
| Anthem Blue Cross Blue Shield (KY)Elevance Health (Blue Cross Blue Shield company) | 120 | 62 | $449 | $578 | $701 | $880 | Anthem Bronze Pathway X Transition 10600 ($0 Virtual PCP + $0 Select Drugs + Incentives) |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $435 | $566 | $689 | 39 | $7,250 | $10,150 | $16,426 |
| Silver | $521 | $666 | $803 | 29 | $5,950 | $8,850 | $16,716 |
| Gold | $582 | $738 | $1,003 | 12 | $1,450 | $7,250 | $16,231 |
| CatastrophicUnder 30 or hardship exemption only | $427 | $511 | $583 | 5 | $10,600 | $10,600 | $16,734 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Kentucky
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Adair County | 2 | 30 | $534 | $653 | $666 |
| Allen County | 2 | 42 | $502 | $570 | $662 |
| Anderson County | 2 | 30 | $470 | $575 | $587 |
| Ballard County | 2 | 30 | $549 | $605 | $685 |
| Barren County | 2 | 42 | $502 | $570 | $662 |
| Bath County | 2 | 30 | $435 | $594 | $544 |
| Bell County | 2 | 42 | $519 | $581 | $668 |
| Boone County | 2 | 42 | $497 | $581 | $704 |
| Bourbon County | 2 | 33 | $449 | $521 | $577 |
| Boyd County | 2 | 30 | $435 | $594 | $544 |
| Boyle County | 2 | 30 | $470 | $575 | $587 |
| Bracken County | 2 | 30 | $435 | $594 | $544 |
| Breathitt County | 2 | 30 | $536 | $657 | $670 |
| Breckinridge County | 2 | 30 | $462 | $577 | $577 |
| Bullitt County | 2 | 42 | $451 | $503 | $578 |
| Butler County | 2 | 42 | $502 | $570 | $662 |
| Caldwell County | 2 | 30 | $549 | $605 | $685 |
| Calloway County | 2 | 30 | $549 | $605 | $685 |
| Campbell County | 2 | 42 | $497 | $581 | $704 |
| Carlisle County | 2 | 30 | $549 | $605 | $685 |
| Carroll County | 2 | 42 | $451 | $503 | $578 |
| Carter County | 2 | 30 | $435 | $594 | $544 |
| Casey County | 2 | 30 | $534 | $653 | $666 |
| Christian County | 2 | 30 | $539 | $603 | $673 |
| Clark County | 3 | 49 | $449 | $506 | $577 |
| Clay County | 2 | 30 | $536 | $657 | $670 |
| Clinton County | 2 | 42 | $502 | $570 | $662 |
| Crittenden County | 2 | 30 | $549 | $605 | $685 |
| Cumberland County | 2 | 42 | $502 | $570 | $662 |
| Daviess County | 2 | 30 | $539 | $603 | $673 |
| Edmonson County | 2 | 42 | $502 | $570 | $662 |
| Elliott County | 2 | 30 | $435 | $594 | $544 |
| Estill County | 2 | 30 | $470 | $575 | $587 |
| Fayette County | 3 | 49 | $449 | $506 | $577 |
| Fleming County | 1 | 14 | $555 | $598 | $712 |
| Floyd County | 2 | 42 | $519 | $581 | $668 |
| Franklin County | 2 | 30 | $470 | $575 | $587 |
| Fulton County | 2 | 30 | $549 | $605 | $685 |
| Gallatin County | 2 | 42 | $497 | $581 | $704 |
| Garrard County | 2 | 30 | $470 | $575 | $587 |
| Grant County | 2 | 42 | $497 | $581 | $704 |
| Graves County | 1 | 14 | $565 | $609 | $725 |
| Grayson County | 1 | 14 | $539 | $581 | $692 |
| Green County | 2 | 30 | $534 | $653 | $666 |
| Greenup County | 2 | 30 | $435 | $594 | $544 |
| Hancock County | 2 | 30 | $539 | $603 | $673 |
| Hardin County | 2 | 42 | $451 | $503 | $578 |
| Harlan County | 2 | 42 | $519 | $581 | $668 |
| Harrison County | 1 | 14 | $537 | $579 | $689 |
| Hart County | 2 | 42 | $502 | $570 | $662 |
| Henderson County | 2 | 30 | $539 | $603 | $673 |
| Henry County | 2 | 42 | $451 | $503 | $578 |
| Hickman County | 2 | 30 | $549 | $605 | $685 |
| Hopkins County | 2 | 30 | $539 | $603 | $673 |
| Jackson County | 2 | 30 | $470 | $575 | $587 |
| Jefferson County | 2 | 42 | $451 | $503 | $578 |
| Jessamine County | 3 | 49 | $449 | $506 | $577 |
| Johnson County | 2 | 42 | $519 | $581 | $668 |
| Kenton County | 2 | 42 | $497 | $581 | $704 |
| Knott County | 2 | 42 | $519 | $581 | $668 |
| Knox County | 2 | 42 | $519 | $581 | $668 |
| Larue County | 2 | 42 | $451 | $503 | $578 |
| Laurel County | 2 | 30 | $536 | $657 | $670 |
| Lawrence County | 2 | 30 | $435 | $594 | $544 |
| Lee County | 2 | 30 | $536 | $657 | $670 |
| Leslie County | 2 | 42 | $519 | $581 | $668 |
| Letcher County | 2 | 42 | $519 | $581 | $668 |
| Lewis County | 2 | 30 | $435 | $594 | $544 |
| Lincoln County | 2 | 30 | $470 | $575 | $587 |
| Livingston County | 2 | 30 | $549 | $605 | $685 |
| Logan County | 2 | 42 | $502 | $570 | $662 |
| Lyon County | 2 | 30 | $549 | $605 | $685 |
| Madison County | 2 | 30 | $470 | $575 | $587 |
| Magoffin County | 2 | 42 | $519 | $581 | $668 |
| Marion County | 1 | 14 | $539 | $581 | $692 |
| Marshall County | 2 | 30 | $549 | $605 | $685 |
| Martin County | 2 | 42 | $519 | $581 | $668 |
| Mason County | 1 | 14 | $555 | $598 | $712 |
| McCracken County | 2 | 30 | $549 | $605 | $685 |
| McCreary County | 2 | 30 | $534 | $653 | $666 |
| McLean County | 2 | 30 | $539 | $603 | $673 |
| Meade County | 2 | 30 | $462 | $577 | $577 |
| Menifee County | 2 | 30 | $435 | $594 | $544 |
| Mercer County | 2 | 30 | $470 | $575 | $587 |
| Metcalfe County | 2 | 42 | $502 | $570 | $662 |
| Monroe County | 2 | 42 | $502 | $570 | $662 |
| Montgomery County | 1 | 14 | $537 | $579 | $689 |
| Morgan County | 2 | 42 | $435 | $512 | $558 |
| Muhlenberg County | 2 | 30 | $539 | $603 | $673 |
| Nelson County | 2 | 42 | $451 | $503 | $578 |
| Nicholas County | 2 | 30 | $470 | $575 | $587 |
| Ohio County | 2 | 30 | $539 | $603 | $673 |
| Oldham County | 2 | 42 | $451 | $503 | $578 |
| Owen County | 2 | 30 | $470 | $575 | $587 |
| Owsley County | 2 | 30 | $536 | $657 | $670 |
| Pendleton County | 2 | 42 | $497 | $581 | $704 |
| Perry County | 2 | 42 | $519 | $581 | $668 |
| Pike County | 2 | 42 | $519 | $581 | $668 |
| Powell County | 2 | 30 | $470 | $575 | $587 |
| Pulaski County | 1 | 14 | $610 | $658 | $783 |
| Robertson County | 1 | 14 | $555 | $598 | $712 |
| Rockcastle County | 2 | 30 | $470 | $575 | $587 |
| Rowan County | 1 | 14 | $555 | $598 | $712 |
| Russell County | 2 | 30 | $534 | $653 | $666 |
| Scott County | 3 | 49 | $449 | $506 | $577 |
| Shelby County | 2 | 42 | $451 | $503 | $578 |
| Simpson County | 2 | 42 | $502 | $570 | $662 |
| Spencer County | 2 | 42 | $451 | $503 | $578 |
| Taylor County | 2 | 30 | $534 | $653 | $666 |
| Todd County | 2 | 30 | $539 | $603 | $673 |
| Trigg County | 2 | 30 | $539 | $603 | $673 |
| Trimble County | 2 | 42 | $451 | $503 | $578 |
| Union County | 2 | 30 | $539 | $603 | $673 |
| Warren County | 2 | 42 | $502 | $570 | $662 |
| Washington County | 2 | 30 | $462 | $577 | $577 |
| Wayne County | 1 | 14 | $610 | $658 | $783 |
| Webster County | 2 | 30 | $539 | $603 | $673 |
| Whitley County | 2 | 30 | $536 | $657 | $670 |
| Wolfe County | 2 | 30 | $536 | $657 | $670 |
| Woodford County | 3 | 49 | $449 | $506 | $577 |
To compare insurance plans side by side (or with health sharing), open your county.