Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Kentucky

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

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.

84099Reviewed

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13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Kentucky
Website

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.

  • Individual Plans
  • Group Plans

Kentucky

Expertise.com Rating

Review Sources

Google
4.8 (4)

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.

  • Life Insurance
  • Individual Plans

Kentucky
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
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. 

  • Medicare Supplement Insurance
  • Individual Health Insurance

Kentucky
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (43)
Google
4.5 (6)

Why choose this provider?

America's Trusted Insurance Group is a full-service agency that strives to meet the healthcare needs of Kentucky residents. It provides health insurance plans such as ACA products, individual dental and disability coverage, and LTC policies. In addition, its team of professionals assists seniors in securing healthcare coverage through Medicare Advantage or Medicare supplemental plans. The team has over 200 years of combined industry experience and is led by owner Wesley Chapman, a Chartered Life Underwriter.

  • Group Plans
  • Life Insurance

Kentucky

Expertise.com Rating

Review Sources

Google
5.0 (12)
Facebook
5.0 (1)

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.

  • Group Plans
  • Individual Plans

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.

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

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

Kentucky
Website

Expertise.com Rating

Review Sources

Facebook
4.9 (75)
Google
4.9 (64)
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.

Kentucky

Expertise.com Rating

Review Sources

Facebook
5.0 (15)
Google
4.9 (13)

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 Health Insurance
  • Individual Plans

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

Kentucky
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (8)

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

Kentucky
Website

Expertise.com Rating

Review Sources

Google
4.8 (51)
Facebook
5.0 (34)

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

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

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

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