Short answer: Kentucky runs its own marketplace, kynect, so its plans are not in the federal plan file the county tables on this site come from. 3 insurers sell 2027 individual plans there; the Department of Insurance approved their 2027 increases at 16.91% at Anthem Health Plans of Kentucky, 20.7% at WellCare Health Plans of Kentucky and 21.2% at Molina Healthcare of Kentucky. KFF puts Kentucky’s 2027 benchmark Silver at $667 a month for a 40-year-old, 5% below the U.S. average of $704. Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; enroll by December 15 for a January 1 start.
- 3insurers selling 2027 individual plans on kynect
- $667Kentucky’s 2027 benchmark Silver at 40 (KFF)
- +16.9%the smallest approved 2027 increase, Anthem Health Plans of Kentucky
- Dec 15enroll by then on kynect for a January 1 start
Who Sells Individual Plans in Kentucky for 2027
| Insurer | Requested | Approved | Status |
|---|---|---|---|
| Anthem Health Plans of Kentucky | 16.91 | 16.91 | Approved |
| WellCare Health Plans of Kentucky | 20.7 | 20.7 | Approved |
| Molina Healthcare of Kentucky | 21.2 | 21.2 | Approved |
Individual market rate filings effective January 1, 2027, as the Kentucky Department of Insurance lists them. The percentages are each insurer’s average; your own change depends on the plan and the county.
Open Enrollment 2027 in Kentucky
Kentucky sells its plans through kynect. Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; a plan picked by December 15 starts January 1. Outside those dates, a qualifying event such as a move into Kentucky, losing other coverage, marriage or a new child opens a 60-day window.
The 2027 Tax-Credit Line in Kentucky
For 2027 coverage the premium tax credit stops at 400% of the poverty line: $63,840 of income for one person, $132,000 for a family of four. Below it the benchmark Silver plan costs no more than 10.22% of income; above it the full price applies, $667 a month for the benchmark Silver at 40 by KFF’s 2027 figure.
Self-Employed and S Corp Owners in Kentucky
Premiums paid for yourself are deductible: the self-employment health insurance deduction and health insurance for S corp owners walk through the federal rules and the W-2 step.
Moving to Kentucky
A plan from another state does not move with you; a new Kentucky address opens a 60-day window, and as a state-run marketplace kynect may open it up to 60 days early. Moving to Kentucky: health insurance after the move has the dates and where Kentucky’s newcomers come from.
Common Questions
How many insurers sell individual health plans in Kentucky for 2027?
3 on kynect: Anthem Health Plans of Kentucky, WellCare Health Plans of Kentucky and Molina Healthcare of Kentucky.
How much are Kentucky health insurance rates going up for 2027?
The Department of Insurance approved 16.91% at Anthem Health Plans of Kentucky, 20.7% at WellCare Health Plans of Kentucky and 21.2% at Molina Healthcare of Kentucky.
When is Open Enrollment for 2027 coverage in Kentucky?
November 1, 2026 to January 15, 2027 on kynect. Enroll by December 15, 2026 for coverage that starts January 1, 2027.
What is the benchmark premium in Kentucky for 2027?
KFF puts the second-lowest-cost Silver plan for a 40-year-old at $667 a month, before any tax credit.