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Best Health Insurance Agencies in Kentucky

Our Recommended Top 12

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Our goal is to connect people with the best local professionals. We scored Kentucky health insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Health Insurance Agencies Serving Kentucky
Kentucky

Expertise.com Rating

Review Sources

Facebook
4.3 (17)
Google
3.7 (3)

Why choose this provider?

CMI Insurance helps families and businesses in Kentucky manage risks and prepare for financial hardships in any possible circumstance. One of its products is health insurance. Its health insurance policies cover expenses for accidents, disabilities, cancer, critical illnesses, hospitalizations, and ICU. Premiums are paid back to clients for unused coverage. Life insurance is also available. It also takes care of the insurance needs of businesses. The company was founded by Robert J. Lightner in 1980. It has protected over 150,000 policyholders across the nation.

  • Medicare Supplement Insurance

Best Health Insurance Agencies Serving Kentucky
Kentucky

Expertise.com Rating

Review Sources

Google
5.0 (36)

Why choose this provider?

Health Insurance Today is a Kentucky-based company that safeguards clients against medical debts. Its primary focus is offering custom health insurance plans, which include protective treatments, fitness and weight loss programs, blood pressure medication, and smoking cessation. A policy may have cashless claim benefits that allow the insured to leave the medical facility without paying any bills. The agency also helps compute estimated credit values. Health Insurance Today caters to individuals, families, organizations, and businesses.

  • Market Place

Best Health Insurance Agencies Serving Kentucky
Kentucky

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

Neely & Wade Insurance Agency, LLC, assists families and individuals in Kentucky with their health policy-related concerns. The company helps clients get protected through health insurance plans that cover major illnesses and serious injuries. In addition, it offers vision and dental options. The agency strives to provide the right health, dental, and vision insurance for its customers by working with Humana. Other lines of insurance products include personal and business. It also serves 37 other states.

  • Individual Health Insurance
  • Life Insurance

Best Health Insurance Agencies Serving Kentucky
Kentucky

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (4)

Why choose this provider?

Cool Insurance Group is an independent agency that connects clients throughout Kentucky with health insurance policies that serve to protect their long-term needs and goals. Its agents educate clients on a variety of health insurance policies, from dental and vision coverage to coverage for specific medical conditions such as critical illnesses, serious injuries, and unforeseen hospitalizations. More than 70 insurance companies, such as United HealthCare, Standard Life, and Mutual of Omaha, are represented by the agency. 

  • Individual Health Insurance
  • Medicare Supplement Insurance

Best Health Insurance Agencies Serving Kentucky
Kentucky

Expertise.com Rating

Review Sources

Facebook
5.0 (30)
Google
5.0 (1)

Why choose this provider?

Western Kentucky Insurance is an independent agency that partners with various carriers. It provides individual health plans to clients in Kentucky who want to insure themselves and their families, and employees who wish to secure their own health benefits package. There is also Medicare coverage offered to clients aged 65 and older. The agency's specialists evaluate each client's insurance requirements to choose the best insurance product for them. Western Kentucky Insurance has been serving the community for over 80 years.

  • Medicare Supplement Insurance

Best Health Insurance Agencies Serving Kentucky
Kentucky

Expertise.com Rating

Review Sources

Google
4.7 (12)

Why choose this provider?

First Insurance Group USA accommodates families, business owners, and individuals in Kentucky. For more than 20 years, the company has been providing health insurance, including long-term care, group health, and short- and long-term disability. These plans cover dental, surgical, medical, and hospital expenses. As an independent agency, First Insurance Group shops and compares products from multiple carriers, including Kentucky Growers, The Cincinnati, Foremost Insurance Group, and Travelers. It handles other products, like professional liability, auto, and life policies.

  • Group Plans

Best Health Insurance Agencies Serving Kentucky
Kentucky

Expertise.com Rating

Review Sources

Google
5.0 (13)

Why choose this provider?

My KY Medicare strives to meet the healthcare needs of beneficiaries in the community. Its team of professionals assists Kentucky clients in enrolling in plans such as Medicare Advantage, supplemental options, and Parts A & B. The team helps veterans in maximizing their healthcare benefits through Medicare plans to secure additional coverage. It has been providing health planning assistance to the community for more than 20 years. Additionally, the professionals guide clients in tapping into various government-provided benefits, such as those from the SSA.

  • Group Plans
  • Individual Plans

Best Health Insurance Agencies Serving Kentucky
Kentucky

Expertise.com Rating

Review Sources

Google
4.8 (4)
Facebook
5.0 (1)

Why choose this provider?

Baker Insurance Group is a Kentucky-based company that caters to local individuals and families. It helps clients protect themselves and their families from unexpected happenings by offering individualized insurance products, including health, life, home, auto, and pet. The company analyzes clients' insurance needs and helps them determine the coverage that fits their needs and budgets. Baker Insurance Group is owned by Paul V. Baker, who began his insurance career as a claims adjuster in 1976.

  • Individual Plans
  • Life Insurance

Best Health Insurance Agencies Serving Kentucky
Kentucky

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Bluegrass Family Insurance Group, LLC, serves individuals and families throughout Kentucky. The agency offers health insurance policies that cover long-term care, telemedicine, dental and vision, and individual and group health. It also helps business owners protect their employee's health by providing Medicare Advantage Plans that include special needs, private fee-for-service, and Medicare medical savings account plans. It represents various insurance carriers, such as Delta Dental, SilverScript, UnitedHealthcare, and Aetna. One of its team members, Hannah Lewis, has been active in the industry since 2007.

  • Individual Plans
  • Group Plans

Best Health Insurance Agencies Serving Kentucky
Kentucky

Expertise.com Rating

Review Sources

Facebook
5.0 (17)
Google
4.9 (14)

Why choose this provider?

Mills Insurance Agency, LLC, deals with clients across Kentucky. It sets up a Medicare supplement plan, a solution that helps individuals manage a range of healthcare-related expenses, from hospital treatments to prescription drug costs. The agency also provides a Medicare advantage policy, which provides coverage for costs related to hearing, dental, and vision care-related treatments. It offers other insurance plans that cover vehicles like boats and motorcycles. Its owner, Nick Mills, is the recipient of the 2015 Producer of the Year award from Erie Insurance.

  • Individual Plans
  • Individual Health Insurance

Best Health Insurance Agencies Serving Kentucky
Kentucky

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
4.0 (7)
Yelp
5.0 (3)

Why choose this provider?

Professional Insurance Plans caters to healthcare providers in Kentucky and the surrounding areas. It currently insures more than 3,000 healthcare professionals, including physicians, optometrists, and dentists. As an independent agency, the firm has access to multiple carriers that recommend coverage options based on clients' financial capacity or situation. It offers Medicare, disability, and long-term care plans. Founder Greg Bellamy started his career by helping his father who worked as a group health and life insurance agent.

  • Life Insurance
  • Medicare Supplement Insurance
  • Dental and Vision Insurance

Best Health Insurance Agencies Serving Kentucky
Kentucky

Expertise.com Rating

Review Sources

Google
4.9 (77)
Facebook
4.9 (70)
Yelp
5.0 (1)

Why choose this provider?

Kentucky Health Solutions offers its products and services to local clients. Its agents provide both short- and long-term health and medicare options, which include dental and prescription plans for individuals, families, and institution or association members. They canvass various products from over 15 insurance carriers and educate people using knowledge from industry-related resources. The agency's owner, Pete Alberti, also supports local non-profit organizations, like Camp Jean Dog Rescue and the Bluegrass Council of the Blind.

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
CMI Insurance
7536 US Hwy 42, Kentucky, KY 41042
Health Insurance Today
808 Nickwood Trail, Kentucky, KY 40509
Neely & Wade Insurance Agency, LLC
31 W. Hickman St., Kentucky, KY 40391
Cool Insurance Group
2808 Palumbo Dr #204, Kentucky, KY 40509
Western Kentucky Insurance
304 South 6th, Kentucky, KY 42066
First Insurance Group USA
2520 South Highway 27, Kentucky, KY 42501
My KY Medicare
Kentucky, KY
Baker Insurance Group
107 Dennis Drive, Kentucky, KY 40503
Bluegrass Family Insurance Group, LLC
Kentucky, KY
Mills Insurance Agency, LLC
306 Highland Park Drive, Kentucky, KY 40475
Professional Insurance Plans
1795 Alysheba Way Ste 4201, Kentucky, KY 40509
Kentucky Health Solutions
2365 Harrodsburg Rd, Suite B235, Kentucky, KY 40504

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Kentucky Health Insurance FAQs

  • Which resources are available for Kentucky residents who are applying for health coverage?

    People in Kentucky can apply for health insurance through a variety of resources, including Kentucky Medicaid and the Kentucky Children's Health Insurance Program. These programs provide health insurance options for qualified children, low-income adults, and people over the age of 65. The Kentucky Integrated Health Insurance Premium Payment Program is another option for covering employer-sponsored health insurance premiums.

  • Where can individuals in Kentucky shop and compare health insurance costs and plans?

    The Kentucky Health Benefit Exchange is the state's health insurance marketplace, which was established as part of the Affordable Care Act. It is in charge of overseeing the implementation of the healthcare reform law and assisting residents in determining their eligibility for tax credits to lower their monthly insurance premiums. The online platform also helps residents determine whether they are eligible for Medicaid.

  • What aspects of healthcare expenses do Kentucky residents bear responsibility for?

    Kentucky residents are responsible for a variety of aspects of their healthcare expenses, including deductibles, copays, and coinsurance. Deductibles are the annual out-of-pocket expenses that individuals must pay before their health plan begins to cover eligible services. Copays are fixed amounts that policyholders must pay when they visit healthcare providers in their insurance network. Coinsurance, on the other hand, is the percentage of the cost of covered healthcare services that policyholders contribute once their deductible has been met.

  • Does Kentucky require its citizens to have health insurance coverage?

    Kentucky does not have a state law requiring residents to have health insurance. Purchasing health insurance, on the other hand, can help residents avoid costly medical expenses. During the open enrollment period, residents can obtain health insurance from either private insurance companies or the federal exchange. Individuals going through life-changing events can get health insurance during a special enrollment period.

  • Which health plans provide affordable coverage for people living in Kentucky?

    Medicaid and KCHIP are health insurance programs for low-income Kentucky residents who meet certain criteria. Individuals who have disabilities, are caring for a minor child, or are unable to pay their medical expenses are eligible for Medicaid. On the other hand, the KCHIP program is intended to provide health insurance to children and expectant mothers.