What Kentucky Residents Need to Know About Obama Care (the Affordable Care Act or ACA)

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What Kentucky Residents Need to Know About Obamacare

Kentucky residents will use HealthCare.gov to shop for 2017 health insurance plans.

Welcome to the fastest way to find out about Obamacare in Kentucky.

Here, you'll find clear and accurate information about Obamacare, including:

  • whether or not you must get health insurance
  • what the available plans cover
  • how much coverage will cost
  • how to sign up for a plan, and
  • how to get help if you need it.

To begin, keep in mind these key points about Obamacare in Kentucky:

1. You are legally required to have health insurance, unless you qualify for an exemption.

The Affordable Care Act requires you to enroll in a health insurance plan unless you qualify for an exemption from the law. You will report whether you have coverage -- or whether you are exempt -- when you file your taxes in April.

To learn whether your current health plan satisfies the requirements of Obamacare or to find out whether you qualify for an exemption, see Do I Need to Get Obamacare in Kentucky?

2. Kentucky residents must now use HealthCare.gov instead of kynect to shop for health insurance.

Kentucky's former state-run health insurance exchange, kynect, is closing. Beginning November 1, 2016, HealthCare.gov will be the new health insurance marketplace for Kentucky residents. That's where you'll go to shop for 2017 health insurance coverage.

3. Open enrollment for 2017 health insurance plans runs from November 1, 2016 to January 31, 2017.

For 2017 health plans, open enrollment runs from November 1, 2016 through January 31, 2017. During that time, residents of Kentucky may use the website HealthCare.gov to choose their health insurance plan, apply for cost-saving subsidies, and get other help they need.

To get coverage beginning January 1, you must enroll by December 15.

If you are currently uninsured, you can use HealthCare.gov to compare plans and enroll in a plan that meets your needs. 

If you have a 2016 health insurance plan through kynect:

  • Kynect should contact you by mail or email about how to switch to coverage through HealthCare.gov.
  • You’ll need to complete a new application for coverage in 2017. You may do this beginning November 1, 2016.
  • Your 2016 plan might not be available for 2017. If not, you can use HealthCare.gov to compare plans and purchase a new one.
  • Your 2016 plan will end December 31, 2016, no matter when you enrolled or last updated your information.

To learn more about enrollment, see How Do I Sign Up for Obamacare in Kentucky?

4. You may qualify for subsidies that will save you money.

Many people who sign up for insurance at the Kentucky exchange will be eligible for cost savings. Savings are available in the form of tax credits to help you lower your premiums or reduce your out-of-pocket costs for care.

If your income is very low, you may qualify for free or low-cost coverage through Medicaid in Kentucky.

For more information, see Ways to Save Money on Obamacare in Kentucky.

For an overview of how much health care plans cost under Obamacare, see How Much Does Obamacare Cost in Kentucky?



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