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How to Find Affordable Health Insurance in the State of Kentucky

Kentucky Affordable Health InsuranceThe Kentucky Cabinet for Health and Family Services, Department of Medicaid Services, lists several programs to help low-income families in the state of Kentucky pay for medical services.

The elderly, disabled, children under 19 and pregnant women are eligible for Medicaid. Income guidelines apply and are different for each state.

Included in Medicaid services is Kentucky Children's Health Insurance Plan (KCHIP) for uninsured children under 19 from households whose income is at or below 200% of the Federal Poverty Level (FPL). Most services require no out-of-pocket co-payments; however, some low co-payments may be required for such services as non-emergency conditions treated in the emergency room, and co-payments on prescriptions can be $1-$3 each.

Medicaid Works is also available for those with disabilities who are working. Anyone between 16 and 64 with a disability and earn less than 250% of the Federal Poverty Level may apply.

Medicare Savings Program for those who already have hospital coverage through Medicare are eligible for help paying their premiums, deductibles and co-payments. Income limits apply. An individual, for example, must have monthly income limited to $1257 in order to apply. Another program for pregnant woman is the Presumptive Eligibility (PE) program for those who meet the income guidelines and do not have Medicaid coverage.

Kentucky Cabinet For Health and Family Services:

Kentucky Department of Public Health:

Kentucky Children's Health Insurance Program (CHIP):


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