Finding the Right Health Coverage For You

Private coverage through your job, your spouse's job, or your parent's job. The employer pays part or all of the monthly premium.

Private coverage you buy from an insurance company or through kynect.

Private coverage through kynect, which the government may help you pay for.

Public coverage with a small premium, for people with low income.

Your income is abovebelow the limit: x for a household of y.

Free public coverage for people with low income.

Your income is abovebelow the limit: x for a household of y.

Free public coverage, for people with disabilities with low income and low assets.

Public coverage for people 65 and over, or on Social Security Disability Insurance (SSDI) or Childhood Disability Benefits (CDB).

Two public coverage options for people with disabilities:

• Disability-based Medicaid is for people with low income and low assets
• Medicaid Works is for people who work and have higher income or higher assets

Use the to figure out which is best for you.

Free public coverage for low-income children and pregnant women.

Your income is abovebelow the limit: x for a household of y.

Public coverage with a premium, for employed people with disabilities with low to moderate income.

The Kentucky Children's Health Insurance Program (KCHIP) is public coverage for children.

Your income is abovebelow the limit: x for a household of y.

Free public coverage for people who get Supplemental Security Income (SSI) benefits. Some people with disabilities with low income and low resources who don't get SSI may qualify.

Two ways people with disabilities might qualify for Medicaid, even with income that's too high for SSI:

• SSI 1619(b) Medicaid is for people who used to get SSI, but stopped getting it because they started working.
• Home and Community Based Services (HCBS) Waivers help people who need Medicaid and other services to be able to live in the community.

Private coverage you buy from an insurance company or through kynect.

Employer-sponsored coverage is private health insurance you get through your job or a family member’s job. Many employers choose to offer it as a benefit for employees who meet certain requirements, such as working a minimum number of hours each week. Employees who get this benefit often have to pay part of the monthly premium to get coverage for themselves and their family members.

Learn more about employer-sponsored coverage.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. You can get your individual coverage directly from an insurance company, through an insurance broker, or on kynect.

Learn more about individual coverage.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. Depending on your household income and situation, you may qualify to get government help paying for your insurance, if you sign up using kynect.

Learn more about individual coverage.

MinnesotaCare is a public program that provides coverage for people with income that is too high to qualify for Medicaid, but too low to afford private insurance through kynect. On MinnesotaCare, you have to pay a small premium for your coverage. You may qualify for MinnesotaCare if your family’s income is at or below 200% of FPG (x for a household of y) and you don't qualify for Medicaid.

Learn more about MinnesotaCare.

Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; income-based Medicaid is for people with household income that's 138% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). There's no monthly premium for coverage.

Learn more about income-based Medicaid.

Medicare is a public health coverage program for seniors (65 years old or older) and people with disabilities. To qualify for Medicare, you or a family member must have worked and paid Medicare taxes for a certain number of years. Medicare has a monthly premium and other expenses, but if you have limited income, some programs may help you pay these expenses.

Learn more about Medicare.

Medicaid and Medicaid Works are two ways for people with disabilities to get public health coverage. The asks for detailed information about your situation to see which is best for you. If you might qualify for Medicaid Works, it will also tell you what your monthly premium would be.

To learn more, use the .

The Kentucky Children's Health Insurance Program (KCHIP) is a public health coverage program for children with low income. There are different ways of qualifying; children who are 18 or younger may qualify for coverage if their household income is 218% of the Federal Poverty Guidelines (FPG) or less (x for a household of y).

Learn more about KCHIP.

Medicaid is a public health coverage program for people with low income. If you get Supplemental Security Income (SSI) benefits, you automatically qualify for Medicaid. If you have a disability (or are 65 or older) and your income and resources are low enough for SSI, you should apply for SSI and if you are approved, you'll get Medicaid automatically. Some people with very low income and resources qualify for disability-based Medicaid even if they don't get SSI.

Learn more about Medicaid options for people with disabilities.

Medicaid is a public health coverage program for people with low income. If you used to get Supplemental Security Income (SSI) benefits and stopped getting them because you started working, SSI rule 1619(b) says that you can keep getting Medicaid as long as your total earnings are $38,898 or less per year. You also must continue to have a disability, still have resources below $2,000 ($3,000 for couples), and meet all other SSI program rules.

Learn more about Medicaid options for people with disabilities.

Medicaid is a public health coverage program for people with low income. People with disabilities who need extra services to be able to live in the community, instead of in a facility or group home, may qualify for a Medicaid Home and Community-Based Services (HCBS) Waiver. Medicaid has a higher income limit for people in this situation, but some people have to pay a patient liability.

Learn more about Medicaid options for people with disabilities.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. You can get your individual coverage directly from an insurance company, through an insurance broker, or on kynect.

Learn more about individual coverage.

Employer-sponsored coverage is private health insurance you get through your job or a family member’s job, if the employer offers it. Employees who get this benefit often have to pay part of the monthly premium to get coverage for themselves and their family members.

Individual coverage is private health insurance you buy on your own for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because of a health condition. You can get individual coverage directly from an insurance company, through a broker, or on kynect.

Individual coverage is private health insurance you buy on your own for yourself or your entire family. Insurance companies cannot reject your application or charge you more because of a health condition. Depending on your income and situation, you may qualify for help paying for coverage on kynect.

MinnesotaCare is a public health coverage program for people whose income is too high for Medicaid, but too low to afford private insurance. With MinnesotaCare, you pay a small monthly premium. You may qualify if your family’s income is at or below 200% of FPG (x for a household of y) and you don't qualify for Medicaid.

Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; income-based Medicaid is for people with household income that's 138% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). There's no monthly premium for coverage.

Medicare is a public health coverage program for seniors (65 years old or older) and people with disabilities. To qualify, you or a family member must have worked and paid Medicare taxes for a certain number of years. Medicare has a monthly premium and other expenses, but if you have limited income, some programs may help you pay these expenses.

Medicaid and Medicaid Works are two ways for people with disabilities to get public health coverage. The asks for detailed information about your situation to see which is best for you. If you might qualify for Medicaid Works, it will also tell you what your monthly premium would be.