In order to continue to provide the best possible service to our fellow Kentuckians, this site will undergo planned maintenance. kynect.ky.gov will be unavailable on Sunday, April 20th at 06:00 to 10:00 AM EST. Thank you for your patience. The 2014 Open Enrollment period for health insurance has ended. The 2015 Open Enrollment period begins November 15, 2014. You may still apply for 2014 coverage if you have certain life events that involve a change in your family or loss of other health coverage. You may also apply for Medicaid at this time.

Welcome to kynect, Kentucky’s Healthcare Connection.
Quality health coverage. For every Kentuckian.
ONE-STOP SHOPPING
kynect makes it easy to find health insurance for you, your family or your business. kynect is an unbiased online service. Similar to the kind you use to buy airline tickets or book a hotel. kynect allows you to compare and select insurance plans.
GET COVERED
It’s easy to apply, with just one application to fill out. When you apply online, you get enrolled quickly. We also have Insurance Agents and kynectors who will help you apply using computers. You can send in a paper application; however, we recommend you use a computer to apply. If you have questions or need help, we are ready to assist you. Browse our site to learn more.
SPECIAL SAVINGS
In 2015, most Americans must have health insurance. Only through kynect can you qualify for help paying your insurance costs, based on income. You can also apply for programs like Medicaid and the Kentucky Children’s Health Insurance Program. Employers with 25 or fewer employees may be eligible for tax credits.
Healthcare Coverage Should Not Be Work.
Welcome Small Business Employers and Employees
GOOD FOR BUSINESS
Employers with fewer than 50 Employees and their workers can select from a wide choice of plans. Costs are easy to compare by using kynect.
EMPLOYEES
Enroll and manage your account online. View a summary of the plans offered by your Employer. You can compare how much your Employer pays toward your insurance bill, the annual deductible or participating doctors, hospitals, and clinics.
EMPLOYERS
Get one monthly bill even if you use multiple insurance companies. You determine payments, plans, periods and more. Our Small Business Health Options Program (SHOP) handles many of the details and billing. Compare plans by what you pay or what services are covered. Tax credits may be available for businesses with 25 or fewer employees.
It’s a new day in healthcare coverage.
Welcome Individuals & Families
MORE AFFORDABLE
More people can save money on health insurance thanks to kynect. Use our calculator to find out your estimated 2015 health insurance costs. It will tell you if you qualify for special discounts. Also, if you are eligible for Medicaid and the Kentucky Children’s Health Insurance Program. Under the new rules, resources are not counted for family and children Medicaid cases.
EASY TO ENROLL
It’s easy to apply. If you do have a question, kynect is ready to help. Click Assistance to find free assistance online, over the phone, or in person.
ONE APPLICATION
Starting in 2014, most Americans must have health insurance. With kynect, one application is all you need to fill out. You can select the plan that is best for you, based on benefits and services, price, quality and participating doctors. You can do a quick check to find out what plans you may be eligible for by clicking Check for Eligibility.
One monthly bill even if you use multiple insurance companies
Welcome Small Employers
SAVE TIME
There is a new way to SHOP with kynect. The Small Business Health Options Program, or SHOP, makes it easier for Employers with 50 or fewer workers to provide Employee health insurance. Employers decide payments, plans, dates and more. SHOP can even handle many of the details and billing for you.
SAVE MONEY
Tax credits may be available for businesses with 25 or fewer employees. Check our Small Business Calculator to see what savings your company could see.
To qualify for tax credits, businesses meet three rules:
  • Have 25 or fewer full-time employees.
  • Pay at least 50 percent of Employee premiums.
  • Have a group average yearly wage less than $50,000.
HELPFUL COMPARISONS
Compare plans by what you pay or what services are covered. You can select a plan from one insurance company or several plans from many insurance companies. Coverage can begin as soon as January 2015. It is easy to apply or you can click Assistance for help.
BROWSE SHOP PLANS
If you would like to browse available plans, click Browse Plans.
Insurance Agents kynect to our Program.
Welcome Insurance Agents
IMPORTANT ROLE
Insurance agents working with kynect can recommend specific plans to both individuals and business owners. Insurance agents can enroll individuals and small businesses in any products offered through kynect, including the Medicaid and KCHIP programs for those who are eligible.
SIGN UP
To register with kynect, click Agent Participation for more information.
GOOD STANDING
To work with kynect, an insurance agent must be currently licensed and in good standing with the Department of Insurance (DOI). kynect will require certain training in order to be registered on the system. Training may qualify as Continuing Education.
Find a plan and add it to your shopping cart.
Welcome Small Business Employees
EASY TO ENROLL
With kynect choosing healthcare coverage is easy for Employees of companies with 50 or fewer workers. You can view a summary of the plans offered by your Employer. And you can enroll and manage your account online by selecting a plan and adding it to your shopping cart.
CHECK IT OUT
Select the one you want, add it to your shopping cart, and check out. It’s that simple. If you are not sure if your employer is using kynect, the Let’s Get Started page can tell you. If you have questions, check with your employer to find out who is working with your company. You will also be able to get help as you complete your application from Customer Service.
EASY TO COMPARE
Compare up to three plans side by side or see just one plan in detail. Compare by how much your Employer pays toward your insurance bill, the annual deductible or participating doctors, hospitals and clinics.
How can I kynect?
Welcome kynectors
HELP WANTED
Sometimes you want help. Sometimes you want to help someone else. With kynect, you can have it both ways. We have trained and certified kynectors in communities across the state to help people apply and answer questions.
GET TRAINED
If you are a kynector, thank you for helping other Kentuckians find the quality healthcare coverage they need. Click Training & Certification to learn more. If you would like to apply to help enroll other Kentuckians, email khbe.kynect@ky.gov for more information.
COMMUNITY SERVICE
Insurance agents are licensed expert professionals who can advise on all types of insurance coverage. kynectors are community groups whose goal is to help you learn about and get health coverage through kynect. Customer Service is available online by clicking Help Monday – Friday, 8 a.m. to 7 p.m., Eastern Time. To find someone to help in your community, you can search by zip code, language, working hours and more.