Kentucky Health Insurance Plans

2026 Off-Exchange plans

125 plans across the state

Off-Exchange plans

Kentucky runs its own marketplace — Health Plan Radar shows Off-Exchange plans here, sold directly by the insurance companies.

Choice Bronze HSA
by Ambetter from WellCare of Kentucky
Bronze HSA eligible HMO
Deductible · ind / family
$7,250 / $14,500
Out-of-pocket max · ind / family
$7,250 / $14,500
Everyday Bronze
by Ambetter from WellCare of Kentucky
Bronze HSA eligible HMO
Deductible · ind / family
$8,450 / $16,900
Out-of-pocket max · ind / family
$10,150 / $20,300
Complete Silver
by Ambetter from WellCare of Kentucky
Silver HMO
Deductible · ind / family
$5,950 / $11,900
Out-of-pocket max · ind / family
$8,850 / $17,700
Silver 201 HSA
by Ambetter from WellCare of Kentucky
Silver HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$5,800 / $11,600
Clarity Silver
by Ambetter from WellCare of Kentucky
Silver HMO
Deductible · ind / family
$6,300 / $12,600
Out-of-pocket max · ind / family
$10,600 / $21,200
Silver 203
by Ambetter from WellCare of Kentucky
Silver HMO
Deductible · ind / family
$4,450 / $8,900
Out-of-pocket max · ind / family
$7,250 / $14,500
Focused Silver
by Ambetter from WellCare of Kentucky
Silver HMO
Deductible · ind / family
$6,300 / $12,600
Out-of-pocket max · ind / family
$8,400 / $16,800
Clear Silver
by Ambetter from WellCare of Kentucky
Silver HMO
Deductible · ind / family
$7,000 / $14,000
Out-of-pocket max · ind / family
$7,000 / $14,000
Gold 202
by Ambetter from WellCare of Kentucky
Gold HMO
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$6,000 / $12,000
Gold 201 HSA
by Ambetter from WellCare of Kentucky
Gold HSA eligible HMO
Deductible · ind / family
$3,400 / $6,800
Out-of-pocket max · ind / family
$3,400 / $6,800
Complete Gold
by Ambetter from WellCare of Kentucky
Gold HMO
Deductible · ind / family
$1,450 / $2,900
Out-of-pocket max · ind / family
$7,700 / $15,400
Everyday Gold
by Ambetter from WellCare of Kentucky
Gold HMO
Deductible · ind / family
$800 / $1,600
Out-of-pocket max · ind / family
$7,250 / $14,500

Frequently asked questions

What are Obamacare health insurance plans?

Obamacare plans are eligible for reduced costs through a subsidy tax credit. They're offered only through the federal marketplace (healthcare.gov) or a state's own exchange — but certified brokers, agents, and web brokers can help you enroll and apply for a subsidy.

What are Off-Exchange health insurance plans?

Off-Exchange plans are available outside the federal marketplaces and existed before Obamacare. You can enroll through a broker, agent, web broker, or directly with the insurance company.

What's the difference between Obamacare and Off-Exchange plans?

The main difference is that only Obamacare plans are eligible for a subsidy tax credit. Otherwise, plan design, coverage, and rates are similar, and both must follow federal regulations.

How do I choose the plan that's best for me and my family?

Understand a few key concepts first — premium price, out-of-pocket costs, deductibles, and metal levels. Our choosing-a-plan FAQ explains each one.

FAQs — choosing a health insurance plan →