We know how important it is to understand what the Affordable Care Act offers. There are new benefits, rights and protections that affect you, your family and your business. For this reason, we want to provide a comprehensive guide that will assist you in further understanding what the bill offers, so you can make well-informed decisions.


ObamaCare helps consumers obtain health insurance by offering new coverage options, helping those who can’t afford it and putting in place strong protections.


New reforms include:


  • Young adults can stay on their plans until 26.
  • Insurance companies cannot drop you when you are sick.
  • There can be no gender discrimination in costs.
  • Insurance companies must cover people with pre-existing conditions.
  • There are no annual or lifetime dollar limits.
  • And more…


The official ObamaCare enrollment period ended on March 31, 2014. Important Notice: Its urgent, to avoid future fines and penalties, to sign up for health insurance under the Affordable Health Care Act.


Kentucky Individuals & Families: Find out the most cost efficient healthcare insurance for you.




You have access to these benefits through the Health Insurance Marketplace, which offers federally regulated and subsidized health insurance.


The Marketplace can help if you don’t have coverage now or if you have it but want to look at other options. For the state of Kentucky, you can visit https://kyenroll.ky.gov/ to access yours!


The Marketplace or Exchange gives consumers the opportunity to compare prices and plans before applying. When you follow the application process, you can also learn if you can get lower costs based on your income while comparing your coverage options side-by-side. Thanks to this system, you can choose the combination of price and benefits that fits your budget and meets your needs. Enrolling through the Exchange is easy and fast.


If you have any questions or concerns, take advantage of this free resource.




ObamaCare has already produced major changes in the state of Kentucky.


  • If you would like to apply by faxing an application in, or mailing it in, then you can do so. However, there are several applications that may work for you. According to the Kentucky website, the following are the applications you can choose from:
  • “If you are applying for only one person and want to check eligibility for Medicaid, KCHIP or Payment Assistance, click Health Coverage and Help Paying Costs: Application for One Person.
  • If you are applying for one or more persons and you do not want financial help, click Health Coverage: No Help Paying Costs.
  • If you are applying for more than one person and want to check eligibility for Medicaid, KCHIP or Payment Assistance, click Health Coverage and Help Paying Costs: Application for More Than One Person.
  • If you are a small business employer and want to offer insurance to your employees, click SHOP: Application for Employers.
  • If you are an employee of a small business that is getting coverage through kynect, click SHOP: Application for Employees.”
  • An alternate line to reach out directly to a representative from Kentucky to help you choose a plan is 1-(855)-4kynect
  • If you are already insured, you can still keep your current agent while using the kynect. system.
  • If you need to make changes to your application in the kynect system, look for the button in your profile that says “Report a Change in Circumstance”
  • If your child has KCHIP, or Kentucky Children’s Health Insurance, you should be able to maintain this, and will not need to apply for coverage for your child through kynect.
  • Veterans will still be eligible for TRICARE and also will not be required to change their plan through kynect.


If you are still looking for additional help regarding the Affordable Care Act, it is recommended that you reach out to an agent via the phone number 1-(800)-318-2596. In addition, there are agents available to help you via live chat on www.healthcare.gov. Kentucky residents are entitled to all the information that all other residents of the United States are. If you find yourself confused about any aspect of the Affordable Care Act, please do utilize these resources.



ObamaCare By State