Did you miss the Open Enrollment deadline, or are you between jobs? Short-term health insurance in Kentucky might be a good option for you to provide medical coverage in the event of a surprise medical situation.

Can I Buy Short-Term Health Insurance in Kentucky?

Yes, you can buy short-term health insurance in Kentucky with plan durations up to 12 months, and the ability to reapply for your policy for up to three years (364 days).1

Before you purchase a short-term plan, it’s important to understand what makes this type of temporary health insurance different from Affordable Care Act (ACA) plans.

  • Policies can be sold year-round with no designated enrollment period.
  • The ACA’s 10 essential coverage benefits are not required.
  • People with pre-existing conditions can be denied coverage.

Each state is responsible for setting its own regulations for short-term health insurance, so limitations can change.2

Is Kentucky Short Term Health Insurance Affordable?

Premiums for short-term insurance plans in Kentucky are $137 per month on average.* Purchasing Kentucky short-term insurance may be an affordable option depending on your unique needs. Premiums are influenced by your coverage selections, and your choices also affect how much you pay when receiving covered benefits.

Benefits for short-term policies vary widely, but most plans provide only minimal coverage. That’s great if you’re healthy and only need emergency coverage. If you need comprehensive benefits or have a lengthy medical history is, an individual plan sold on the health insurance exchange might be a better choice.

Apply for a Kentucky Short-Term Health Insurance Plan Today

HealthMarkets can help you find short-term health insurance plans in Kentucky online. If you apply today, you could have health coverage as soon as the next day. Get started by finding a short-term plan that meets your needs. 


1.KY.gov Retrieved from https://insurance.ky.gov/ppc/Documents/stld_faqbuyersguidefinal.pdf Accessed February 24, 2021. | 2.CBO. September 2020. Retrieved from https://www.cbo.gov/publication/56622 

*Average based on premiums for all 2021 short-term health plans sold by HealthMarkets for a 40-year-old non-smoking male making $30,000 per year living in Louisville, KY.

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