Your search for affordable Health, Medicare and Life insurance starts here.
Health Insurance Marketplace - Kentucky
Individuals often have questions when navigating the health insurance marketplace and have a tough time finding answers.
Think you cannot possibly afford insurance for you and your family in Kentucky? There are subsidies available to help decrease the costs of buying insurance if you qualify and HealthMarkets Insurance Agency can help you understand the process to make insurance more attainable.
After the first open enrollment, 72% of Kentucky residents chose plans with financial assistance and 82,747 enrolled in the health insurance marketplace. Open enrollment begins again on November 1, 2015 so be ahead of the curve and call one of our friendly licensed agents to help you find the policy that’s best for you.
Which Policy is Best on the Health Insurance Marketplace? Kentucky Agents Can Help!
Choosing your policy can be difficult, since there are a lot of options on the marketplace. Kentucky agents can help you understand the basics of policy selection, including:
- Premiums. Your premium is the amount that you will pay for coverage each month. A low premium makes it easier to afford coverage, but sometimes the cheapest policies don't give you the coverage you need.
- Deductibles. The deductible amount of your policy must be met before coverage kicks in. If you have a high deductible, you will have more out-of-pocket costs, since you have to pay for everything out of pocket until the deductible is met. Lower deductibles usually raise the cost of the policy, but you'll enjoy lower out-of-pocket costs when you are sick or injured.
- Networks. One of the most important things to remember when shopping the health insurance marketplace in Kentucky is to find a plan that lets you see your regular doctor. Not all doctors are in every network. HealthMarkets can help you find the plan you need that lets you stick with your regular doctor in most cases.
Connect with HealthMarkets to navigate the health insurance marketplace in Kentucky. Agents are available around the clock to help you understand your options.