How to Buy Short-Term Health Insurance in Kentucky

March 3, 2021
2 minute read

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. 


47191-HM-0321

References:
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 

Disclaimer:
*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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© 2024 HealthMarkets Insurance Agency. All rights reserved.

* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

49075-HM-1022

© 2024 HealthMarkets Insurance Agency. All rights reserved.

* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

49075-HM-1022

© 2024 HealthMarkets Insurance Agency. All rights reserved.

* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

49075-HM-1022