Kentuckians can now preview 2025 health coverage options through kynect

FRANKFORT — Kentuckians seeking health coverage through kynect are asked to visit the website to preview the 2025 health insurance plans that will be offered during open enrollment, which takes place from Nov. 1 until Jan. 15, 2025.

The open enrollment period consists of Qualified Health Plans (QHPs). This option is primarily for Kentuckians who don't have coverage through another source, such as through an employer, Medicaid, the Kentucky Children's Health Insurance Program (KCHIP), Medicare or TRICARE.

"QHPs are a great option for Kentuckians who do not have access to employer-sponsored health insurance or qualify for Medicaid," said Eric Friedlander, secretary of the Cabinet for Health and Family Services (CHFS). "I encourage anyone in need of health coverage to visit kynect.ky.gov before open enrollment ends Jan.15. No individual or family in Kentucky should be left uninsured."

CHFS offers a variety of health care access, along with nutrition and human services programs, all of which can be accessed via the kynect website. Secretary Friedlander reminded Kentuckians of the availability of health coverage through Medicaid and KCHIP for Kentuckians who meet eligibility requirements.

Commissioner Lisa Lee from the Kentucky Department for Medicaid Services, which oversees kynect, explained that Medicaid and KCHIP do not have a designated enrollment period. She encouraged Kentuckians who are in need of coverage to visit kynect.ky.gov to check their eligibility and enroll in the coverage for which they qualify.

"If you are currently without health coverage, visit kynect to explore your options — or reach out to us for assistance. We are here to help," said Commissioner Lee.

More Choices, Improved Shopping Tools

The kynect portal has been enhanced by making the application flow more streamlined, and it is easier for Kentuckians to see their potential eligibility for levels of financial assistance. More issuers are offering plans with specific benefits such as heart health or diabetes, and more plans compatible with Health Savings Plans are available for 2025. Also, for 2025, a new dental carrier has been added. Open enrollment is the time for Kentuckians to check and make sure they are enrolled in the plan that best suits their family's needs.

Key Dates

The kynect QHP open enrollment period runs from Nov. 1 to Jan. 15, 2025. Consumers who enroll by midnight on Dec. 15, 2024, can get full-year coverage that starts Jan. 1, 2025. Consumers who enroll after Dec. 15, 2024, but before the deadline in January, will have coverage that starts Feb. 1, 2025.

Get Local Help

Insurance agents and kynectors are located in every Kentucky county and provide outreach and enrollment assistance. Individuals interested in enrolling in a QHP are encouraged to visit kynect.ky.gov and click the "Get Local Help" feature to be connected for further assistance. Individuals can also call 855-4kynect (855-459-6328).