How Do I Sign Up for Obamacare in Kentucky?
The easiest way to sign up for a health plan under the Affordable Care Act is to go to the online health insurance marketplace for Kentucky. If you're not ready to enroll right now, you can get more information online, over the phone, or in person.
Where's the Kentucky Health Care Exchange?
Kentucky's former state-run health insurance exchange, kynect, is closing. Beginning November 1, 2016, HealthCare.gov will be the marketplace for Kentucky. This is where you can learn about the various health insurance options available to you under Obamacare. If you see a plan you like, you'll be guided through the enrollment process online.
If you currently have an insurance plan through kynect, you'll need to reapply for 2017 coverage at HealthCare.gov. Your 2016 coverage will end on December 31. Here's what you need to know:
- Kynect should contact you by mail or email about how to change your coverage.
- You’ll need to complete a new application. You may do this at HealthCare.gov beginning November 1, 2016.
- Your existing plan might not be available for 2017. If it's not, you may use HealthCare.gov to purchase a new one.
You might not see any mention of Obamacare or the Affordable Care Act when you visit HealthCare.gov, but rest assured you’ve landed in the right place. The exchange was established solely for the purpose of informing consumers about the Affordable Care Act and providing plans under the law.
Getting In-Person Help with Enrollment
In Kentucky, if you need help understanding your options for coverage under Obamacare or signing up for a plan, you can get free assistance from a trained “navigator” or certified application counselor.
According to the U.S. Department of Health and Human Services, navigators “provide unbiased information to consumers about health insurance, the new Health Insurance Marketplace, qualified health plans, and public programs including Medicaid and the Children’s Health Insurance Program.”
Navigators and certified counselors aren’t allowed to recommend a plan for you. Rather, they can explain your options, answer your questions, and help you apply for the plan you choose.
Private insurance agents or brokers can also help you understand your health care coverage options under Obamacare. Unlike government-trained navigators and counselors, they are allowed to suggest the best plan for you.
To find a helper in your area, go to Find Local Help at HealthCare.gov. There, you enter your city and state or zip code to get a list of navigators, insurance agents, and brokers near you.
Getting Help by Phone
If you have questions about Obamacare, you can talk with with a telephone support representative at HealthCare.gov.
Individuals and families. The toll-free number to call for help is 1-800-318-2596. If you're hearing impaired, please use the TTY line: 1-855-889-4325.
Telephone support is available 24/7.
Small businesses or insurance agents. If you have a business with 50 or fewer employees, or if you are an insurance agent or broker, you can get help by calling 1-800-706-7893. Representatives are available Monday through Friday, from 9AM to 5 PM (EST).
Keep Up to Date
You may also be interested in:
Learn important facts about the Obamacare open enrollment period for 2017.
Learn which Kentucky residents must have health coverage under the Affordable Care Act (ACA or Obamacare) and find out about the penalty you'll pay if you don't have a qualifying health plan.
A licensed insurance agent or broker can help you compare plans, figure out whether you qualify for subsidies, and apply for coverage in Kentucky.