Frequently Asked Questions

You can apply for health coverage using a paper application, but the process takes longer than other faster methods, such as online, by phone, or getting help from an insurance agent or kynector. Here are some of the benefits of applying online, by phone or in person:
  • Simpler and faster. By applying online or by phone, you will only answer questions that apply to you. You will not waste time answering questions you do not need to because the system knows what to ask based on your answers to earlier questions.
  • Real-time results. The results are given to you within minutes when applying online or through Customer Service.
  • More secure. Mailed applications contain private information and they can get lost. The information you give us using the online system or by calling Customer Service is completely private and secure.
  • Plan comparison. You can find and compare all the plans available if you go online or call Customer Service.
  • Complete process. The paper application only allows you to see if you are eligible for programs. To select and enroll in a plan, you will need to go online, call Customer Service or ask for help from an insurance agent or kynector.
We have made it easy to apply online even if you do not have a computer. Call Customer Service at 1-855-4kynect (459-6328) TTY: 1-855-326-4654 and we will take your application over the phone. Or, you can get help from a trained insurance agent or kynector who will apply online for you. Insurance agents and kynectors are able to show you all the healthcare plans that are available to you.
If you use a paper application, you are applying for eligibility. We will review your application and send you a letter. The letter will tell you if you are eligible for certain programs such as Medicaid or Payment Assistance. You will then need to use a computer or call Customer Service to select a plan from many choices.
If you want to apply by mail or fax, however, there are 5 paper applications to choose from:
Sometimes, you will need to fill out and mail additional information with your paper application. For example:
Remember, if you want to apply online, we have made it quick and easy. If you would like help from an insurance agent or kynector it is free. Click Assistance at the bottom of this page for a tool to make your search easier. If you have questions or need help, Customer Service is ready to assist you.
What will a kynect insurance plan cover?
All health plans will cover essential health benefits, including doctor visits, trips to the hospital or emergency room, medicine, and care for pregnant women and children.
How do I sign-up for kynect?
Set up an account on kynect.ky.gov with a user name and password. Creating an account will allow your information to be saved if for some reason you cannot complete your application in a single session. Please read each page carefully and answer the questions to the best of your ability. If you need additional help, kynect.ky.gov allows you to talk via web chat or phone to a Customer Service representative. kynect also provides a search tool to find Insurance Agents and kynectors in your community who are trained to assist you.
How can I find someone to help me?
You can go online to kynect.ky.gov and search for an Insurance Agent or kynector. You can also chat or call Customer Service at kynect.ky.gov or 1-855-4kynect (459-6328).
What happens if I don´t have health insurance?
Beginning January 2014, most Americans will be required to have health insurance or pay a penalty. By using kynect, you may be eligible for payment assistance to help cover the costs of coverage for you and your family. kynect will also check to see if you are eligible for programs like Medicaid or KCHIP, the Kentucky Children´s Health Insurance Program.
I want health insurance but I can´t afford it. What will I do?
By using kynect, you may receive payment assistance or special discounts to help cover the costs of coverage for you and your family. kynect will allow you to compare and select insurance plans, and find out if you qualify for programs like Medicaid or KCHIP, the Kentucky Children´s Health Insurance Program.
What if I make too much money for Medicaid, but still can´t afford to buy insurance?
You may be eligible for payment assistance to help you pay for healthcare coverage you purchase through kynect.
Will it be easier for me to get coverage even if I have health problems?
Health insurance companies will no longer be able to reject people or charge more based on health status, beginning in January 2014.
How long can my adult child stay on my insurance coverage?
Adult children can stay on their parents’ coverage until they are 26 years old.
I own a small business. Will I have to buy health insurance for my workers?
No small Employer is required to provide insurance coverage. If you have a small business with 50 or fewer people, you won´t face any penalties. In addition, if you own a small business with 25 or fewer Employees, there may be significant tax credits available through kynect to help cover the cost of insurance. Businesses with more than 50 Employees that don´t provide health insurance may face penalties starting in 2014.
I am a small business owner who currently offers insurance to my Employees using an insurance agent. Can I keep my insurance agent if I use kynect?
Yes, you can continue to use your current agent. Insurance Agents can be great assets to small businesses who offer health coverage to their Employees.
As a small business owner, will I be able to decide the type of coverage I offer to my Employees?
Yes. In 2014, all health plans will be classified into four metal categories: Bronze, Silver, Gold and Platinum. As the metal level increases in value, so does the percentage of medical expenses that a plan will cover. For example, the platinum level plan will have the highest premium cost but it will also cover the highest portion (about 90%) of the medical costs at the time of care. A bronze plan will cover about 60% of medical costs.
What benefits does kynect offer small business Employers?
Kynect offers an easy online system for Employers to provide health insurance to Employees. Employers can compare plans by Employer contribution and coverage amount. Employers can select a single plan from one insurance company or several plans from many insurance companies. Additionally, Employers can determine payments, plans, policies, and open enrollment periods. kynect will handle many of the details and billing.
What benefits does kynect offer small business Employees?
Employees will be able to manage their own accounts online. kynect will offer a summary of the plans offered and Employees will be able to compare plans based on their Employer’s payment toward the insurance bill, the annual deductible and participating doctors, hospitals and clinics.
How can I get help?
As the October 1, 2013 open enrollment gets closer, there will be many options for help. Assistance will be available online, over the phone or in person. kynect has special groups ready to help -- Insurance Agents, kynectors, and Customer Service. All services are offered to you at no cost.
  • Insurance Agents receive a fee from the insurance companies they are appointed to, but their help does not cost you any money. Insurance Agents are licensed expert insurance professionals who can advise you on all types of insurance coverage. Insurance Agents continue to provide service on claims and questions after you enroll.
  • kynectors are groups in your community who want to help you enroll and get healthcare coverage. They can give you information to help you make a decision. They can help you apply, but they cannot tell you which plan to choose. You may have heard them called Navigators or In-Person Assisters. In Kentucky, we call them kynectors.
  • Customer Service is a full service help desk available by online and by phone to answer your questions. It is open Monday through Friday from 7am – 6pm Eastern Time. Starting in October, it will be open on Saturdays.
I don’t have a Social Security Number. How can I get one?
Consumers can still apply for insurance through kynect without a social security number. A social security number makes the process for applying easier and faster. If you would like to get a social security card, please visit socialsecurity.gov or call 1-800-772-1213. TTY users should call 1-800-325-0778.
Where can I print an application?
You can print an application from your personal page. Under the Quicklinks sidebar on the left side of the page, click Download Application. This will take you to a page that allows you to choose the correct paper application for you. Once you choose you application and click on the link, you may print a paper application.
How can I start a new application?
You can start an application from your personal page. Under the Quicklinks sidebar on the left side of the page, click Start an Application.
How do I report a change to my existing application?
You can report a change to your existing application from your personal page. In the top right hand corner, click the link that says Report a Change in Circumstances. This link will allow you to report a change to your existing application information. You can also report a change by clicking Report a Change under the Quicklinks sidebar on the left side of your personal page.
What types of other income will I be asked to include on the application?
You should include income from any of the following sources: Taxable Annuity Payments,Dividends,Life Estate Interest Income,Farm/Business/Rental (if no direct involvement),Trust Income,Interest,Indemnity Policy,Lottery Payments,Mineral Rights/Royalties,Taxable Nursing Facility Insurance Payments,Oil Leases,Pension/Retirement Payments,Railroad Retirement,Social Security,Taxable Insurance Settlement Payments,Unemployment Insurance Benefits,Alimony/Spousal Support,Military Pension,Capital Gains,IRA Distribution (Traditional),OPM Military Retirement,Other Taxable Income,U.S. Refugee Program,Taxable State Tax Refund
What is a Personal Exemption?
Under federal law, most people must pay a fee if they do not have health coverage, beginning in 2014. Individuals who think that they should not have to have health coverage can request an exemption from this requirement.
More details on who is eligible and how to apply for an exemption will be available later in 2013. Please click Personal Exemptions to learn more.
How will I get an exemption?
For religious conscience and hardship exemptions, you will need to complete an exemption request application. Most other exemptions are claimed on your federal income tax form. Information on how to apply will be available through kynect after open enrollment begins.
Who can get an exemption?
  • Individuals who are uninsured for less than 3 months of the year
  • Individuals with very low income and healthcare coverage is considered unaffordable
  • Individuals who are not required to file a tax return because their income is too low
  • Individuals who are Alaska natives or members of a federally recognized Indian tribe
  • Individuals who are not lawfully present
  • Individuals who are incarcerated
  • Members of a healthcare sharing ministry
  • Members of a recognized religious sect with religious objections to health insurance
  • Individuals who can claim a hardship
What types of health coverage qualify?
To avoid the fee in 2014 you need insurance that qualifies as minimum essential coverage. If you are covered by any of the following in 2014, you are considered covered and do not have to pay a penalty:
Other plans may also qualify as minimum essential coverage. Ask your health coverage provider.
What kinds of health insurance do not qualify as coverage?
Health plans that do not meet minimum essential coverage do not qualify as coverage in 2014. If you have only these types of coverage, you may have to pay the fee. Examples include:
  • coverage only for vision care or dental care
  • workers compensation
  • coverage only for a specific disease or condition
  • plans that offer only discounts on medical services
What if I do not have health coverage in 2014?
If you can afford health insurance but do not have health insurance coverage in 2014, you may have to pay a fee. You must also pay for all of your medical care. If you were uninsured in 2014, you would pay the fee in 2015, when you file your 2014 federal income tax return.
If you do not pay the fee, the IRS will hold back the amount of the fee from a future tax refund. There are not liens, levies, or criminal penalties for failing to pay the fee.
What is the fee in 2014 and beyond?
The fee in 2014 is 1 percent of your yearly income or $95 per person for the year, whichever is higher. The fee increases every year. In 2016, it is 2.5 percent of income or $695 per person, whichever is higher.
For a family with children, the fee for uninsured children is $47.50 per child in 2014. The most a family would have to pay in 2014 is $285 or 1 percent of income, whichever is greater.
Individuals or families who fall below income tax filing levels may not owe anything and may get payment assistance to offset health insurance costs.
Some verifications have failed for my application. What documents can I provide to verify my information?
Based on the verifications we weren’t able to complete electronically, you will be able to provide different documents.
Age :
Birth Record, Drivers License, Hospital Birth Record, Newspaper Clippings, Religious Record, School Record, State Government Issued ID, Other.
AIAN Verification :
Certificate of Degree of Indian Blood, Document on Tribal Letterhead, Tribal Census Document, Tribal Enrollment Card, Other.
Alien Status :
Certificate of Citizenship in non-US country, DS2019 (Certificate of Eligibility for Exchange Visitor (J-1) Status), I-20 (Certificate of Eligibility for Nonimmigrant (F-1) Student Status), I-327 (Reentry Permit), I-551 (Permanent Resident Card), I-571 (Refugee Travel Document), I-766 (Employment Authorization Card), I-94 (Arrival/Departure Record), I-94 (Arrival/Departure Record) in Unexpired Foreign Passport, Machine Readable Immigrant Visa (with Temporary I-551 Language), Naturalization Certificate, Other Immigration Document, Temporary I-551 Stamp (on passport or I-94), Unexpired Foreign Passport, Other.
Alimony Expense :
Income Tax Return, Personal Records Showing Deductions, Other.
Annuity Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Applied for SSN Verification :
SS-5 / System Generated SSN Application, Other.
APTC income verification :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Death :
Death Record, Date of Death Statement from Funeral Home, Newspaper Clippings, Other.
Deductions :
Income Tax Return, Personal Records Showing Deductions, Other.
Earned Income Credit :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Earned Income Payment :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Earned Income Verification :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Employment History :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Energy Payment Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Gifts and Contributions Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Government Housing Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Identity :
Adoption Record, Affidavit from non-US citizen, Affidavit from US citizen, Award Letter, Birth Record, Certificate of Tribal Affiliation, Certificate of US Citizenship (N-560 or N-561), Incarceration Discharge Record, Divorce Decree, Drivers License, Employee ID, Federal Government issued ID, GED, Health Insurance Card, High School or College Diploma, Immigration Document (Government Issued), Income Tax Return, Law Enforcement Records, Local Government Issued ID, Marriage License, Military Dependent's ID, Naturalization Certificate, Passport, Personal Records Showing Deductions, Property Deed or Title, School Photo ID, School Record, State Government Issued ID, US Coast Guard Merchant Mariner card, US Military ID Card or Draft Record, Wage Stubs, Other.
Identity - Individual Interviewed :
Adoption Record, Affidavit from non-US citizen, Affidavit from US citizen, Award Letter, Birth Record, Certificate of Tribal Affiliation, Certificate of US Citizenship (N-560 or N-561), Incarceration Discharge Record, Divorce Decree, Drivers License, Employee ID, Federal Government issued ID, GED, Health Insurance Card, High School or College Diploma, Immigration Document (Government Issued), Income Tax Return, Law Enforcement Records, Local Government Issued ID, Marriage License, Military Dependent's ID, Naturalization Certificate, Passport, Personal Records Showing Deductions, Property Deed or Title, School Photo ID, School Record, State Government Issued ID, US Coast Guard Merchant Mariner card, US Military ID Card or Draft Record, Wage Stubs, Other.
Incarceration status verification :
Incarceration Discharge Record, Other.
Income Verification :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Interest Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Lawful Presence Verification :
Certificate of Citizenship in non-US country, DS2019 (Certificate of Eligibility for Exchange Visitor (J-1) Status), I-20 (Certificate of Eligibility for Nonimmigrant (F-1) Student Status), I-327 (Reentry Permit), I-551 (Permanent Resident Card), I-571 (Refugee Travel Document), I-766 (Employment Authorization Card), I-94 (Arrival/Departure Record), I-94 (Arrival/Departure Record) in Unexpired Foreign Passport, Machine Readable Immigrant Visa (with Temporary I-551 Language), Naturalization Certificate, Other Immigration Document, Temporary I-551 Stamp (on passport or I-94), Unexpired Foreign Passport.
Loss of Employment :
Employer statement, Written Statement, Other.
NCP Good Cause :
Birth Record, Court Documents, Law Enforcement Records, Medical Record, Notarized Statement, Records showing reason for not cooperating with Medical Support Enforcement, Written statement from a public or licensed private social agency, Other.
Notes Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Other Unearned Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Pension Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Prizes Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Railroad Retirement Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Relationship Verification :
Adoption Record, Birth Record, Paternity Records, Court Documents, Divorce Decree, Hospital Birth Record, Immigration Document (Government Issued), Marriage License, Medical Record, Military Record, Naturalization Certificate, Notarized Statement, Passport, Public Health Record, Religious Record, School Record, Statement of Attending Physician or Midwife, Other.
Residency :
Drivers License, Other Document Showing Name and Address, Rent or Mortgage Statement, Utility Bill, Written Statement, Other.
Room and Board Expenses :
Income Tax Return, Written Income Statement, Other.
Royalties Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
RSDI Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Self Employment Expense :
Income Tax Return, Written Income Statement, Other.
Self Employment Income :
Income Tax Return, Written Income Statement, Other.
SEVIS ID Number for Lawful Presence Verification :
DS2019 (Certificate of Eligibility for Exchange Visitor (J-1) Status), I-20 (Certificate of Eligibility for Nonimmigrant (F-1) Student Status).
Social Security Number :
Social Security Card, Other.
SSI income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
TANF/Foster Care/IHFS/Adoption Subsidy :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Third Party Reimbursement :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Third Party Resources :
Health Insurance Card, Insurance Company Record, Other.
TPR LTC Disability Insurance Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Trust Proceeds Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
UIB Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Unearned Income Payment Verification :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Updated Student Information through SEVIS by Contacting School or Program Sponsor :
DS2019 (Certificate of Eligibility for Exchange Visitor (J-1) Status), I-20 (Certificate of Eligibility for Nonimmigrant (F-1) Student Status).
US Citizenship :
Adoption Record, Affidavit from US citizen, American Indian card I-872, Birth Record, Census Record, Certificate of Birth Abroad of US Citizen (DS-1350, FS-240, or FS-545), Certificate of US Citizenship (N-560 or N-561), Hospital Birth Record, Institutional Admission Papers for Citizenship, Insurance Company Record, Military Record, Naturalization Certificate, Northern Mariana Card I-873, Other Birth Records, Passport, Public Health Record, Religious Record, School Record, Statement of Attending Physician or Midwife, Tribal Census Document, US citizen ID card (I-197 or I-179), Other.
VA Benefit Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Vendor Payment Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
VolAg Match Grant Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Workers Compensation Income :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
Zero Income Verification :
Award Letter, Court Documents, Written Statement for Income or No Income, Employer statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.
What if I would like to learn more about kynect?
If you would like information about kynect for yourself or to share with someone else, we’ve got it for you. Click below on the fact sheet you would like to read or print out.
Information for Individuals and Small Business
Information for Individuals and Families
Information for Small Business
What is the income limit for 400% of the Federal Poverty Level?
Household Size 400% of Federal Poverty Level
1
$45,960
2
$62,040
3
$78,120
4
$94,200
5
$110,280
6
$126,360
7
$142,440
8
$158,520
For each additional person, add
$16,080
Can I be eligible for Payment Assistance but receive $0 to help pay my insurance bill?
Yes, this can happen when your cost for insurance coverage is less than the maximum cost you should pay with payment assistance. Payment assistance is based on the cost for the second lowest silver plan. You would qualify for $0 in payment assistance if the cost for the second lowest cost silver plan is less than the maximum cost for a silver plan.
What browsers does kynect’s application support?
Internet Explorer 10, Internet Explorer 9, Internet Explorer 8, Firefox, Chrome
What software do I need?
Adobe Reader is required to view documents.
Can I delete my information from the system?
Yes, you can remove your information from the system. If you have not submitted or e-signed your application, you can delete it yourself. If you have already submitted and e-signed your application, kynect will need to help you. Please call Customer Service at 1-855-459-6328.
What do I need to start my application?
We have created a checklist to help you. To view it, please click on Application Checklist.
Is there an asset test for Medicaid?
Under the new rules, resources are not counted for family and children Medicaid cases. Traditional Medicaid such as for the aged, blind and disabled still has an asset test (cash, property, IRA).