If you would like to enroll in health coverage, welcome to kynect! Right now, individuals who are eligible for Medicaid or KCHIP can enroll. Employers who want to provide health coverage to their workers can enroll through the kynect SHOP program. And, individuals who have had life changing events, such as marriage or loss of health coverage, may apply for a special enrollment. If you have questions about your Form 1095-A or need tax information, please click on “Get Answers” below.

Welcome to kynect, Kentucky’s Healthcare Connection.
Quality health coverage. For every Kentuckian.
Manage your plans, update your information, submit documents, find helpful informationor assistance. Click here to view the informational video on the new and improved kynect mobile app.
ONE-STOP SHOPPING
kynect makes it easy to find health insurance for you, your family or your business. kynect is an unbiased online service. kynect allows you to compare and select insurance plans. You can also enroll in a dental plan through kynect.
FIND OUT MORE
Health insurance can be confusing. “How to kynect” helps answer your questions in simple terms. Find out about deductibles and co-payments. Learn when to go to the emergency room. Know what to expect when you go to the doctor or nurse practitioner.
SPECIAL SAVINGS
Most Americans must have health insurance. Only through kynect can you qualify for help paying your insurance costs, based on income. You can also apply for programs like Medicaid and the Kentucky Children’s Health Insurance Program. Employers with 25 or fewer full-time equivalent employees may be eligible for tax credits.
GET COVERED
It is easy to apply, with just one application to fill out. When you apply online, you get enrolled quickly. We also have insurance agents and kynectors who will help you enroll at no cost to you. You can send in a paper application; however, we recommend you use a computer to apply. If you have questions or need help, we are ready to assist you. Browse our site to learn more.
 
Healthcare Coverage Should Not Be Work.
Welcome Small Business Employers and Employees
GOOD FOR BUSINESS
Employers with fewer than 50 employees and their workers can select from a wide choice of plans. Costs are easy to compare by using kynect. And, insurance agents and kynectors are ready to help you at no cost to you. To find one, click Assistance.
CONTINUOUS OPEN ENROLLMENT
SHOP (Small Business Health Options Program) does not have a fixed open enrollment period. Employers can set their enrollment at any time throughout the year. For a chart on selecting your enrollment period, click SHOP Dates.
EMPLOYERS
Get one monthly bill even if you use multiple insurance companies. You determine plans, periods and more. SHOP handles many of the details and billing. Compare plans by what you pay or what services are covered. Tax credits may be available for businesses with 25 or fewer full-time equivalent employees.
EMPLOYEES
Enroll and manage your account online. View a summary of the plans offered by your employer. You can compare how much your employer pays toward your insurance bill, the annual deductible or participating providers, hospitals, and clinics.
It’s a new day in healthcare coverage.
Welcome Individuals & Families
MORE AFFORDABLE
More people can save money on health insurance thanks to kynect. Use our calculator to find out your estimated health insurance costs. It will tell you if you qualify for special discounts. Also, if you are eligible for Medicaid or the Kentucky Children’s Health Insurance Program.
Another piece of information you may need when filing taxes is the cost of the benchmark plan. If you have previously received payment assistance through kynect, you will not need this information. But, if you paid for a full-price health insurance plan you may want to include these details when filing taxes. Click to view Benchmark Plan.
ONE APPLICATION
Most Americans must have health insurance. With kynect, one application is all you need to fill out. You can select the plan that is best for you, based on benefits and services, price, quality and participating providers. You can do a quick check to find out what plans you may be eligible for by clicking Check for Eligibility.
CONVENIENT MOBILE APP
The kynect mobile app gives you on-the-go access to kynect. Wondering what type of coverage you may qualify for? You can find out here. Need help filling out your application? We can connect you to a person or event so you can get help. Use the kynect mobile app to find the resources you need to make informed decisions about your healthcare coverage.
EASY TO ENROLL
It is easy to apply. Use our Enrollment Checklist to gather your information. If you do have a question, kynect is ready to help. Click Assistance to find free assistance online, over the phone, or in person. Insurance agents and kynectors are ready to help you at no cost to you. Check the kynect mobile app to find an enrollment event near you.
One monthly bill even if you use multiple insurance companies
Welcome Small Employers
SAVE TIME
There is a new way to SHOP with kynect. The Small Business Health Options Program, or SHOP, makes it easier for employers with 50 or fewer workers to provide employee health insurance. Employers decide plans, dates and more. SHOP handles many of the details and billing for you. SHOP Dates will help you set the enrollment period that is right for your business.
SAVE MONEY
Tax credits may be available for businesses with 25 or fewer full-time equivalent employees. Check our Small Business Calculator to see what savings your company could see.
To qualify for tax credits, businesses meet three rules:
  • Have 25 or fewer full-time equivalent employees.
  • Pay at least 50 percent of employee premiums.
  • Have a group average yearly wage less than $50,000.
HELPFUL COMPARISONS
Compare plans by what you pay or what services are covered. You can select a plan from one insurance company or several plans from many insurance companies. It is easy to apply or you can click Assistance to find an insurance agent or kynector. They will start your application for you.
GET A QUOTE
If you would like to get a quote for a SHOP plan, click Quoting Tool.
Insurance Agents kynect to our Program.
Welcome Insurance Agents
IMPORTANT ROLE
Insurance agents working with kynect can recommend specific plans to both individuals and business owners. Insurance agents can enroll individuals and small businesses in any products offered through kynect, including the Medicaid and KCHIP programs for those who are eligible.
SIGN UP
To register with kynect, click Agent Participation for more information.
GOOD STANDING
To work with kynect, an insurance agent must be currently licensed and in good standing with the Department of Insurance (DOI). kynect will require certain training in order to be registered on the system. Training may qualify as Continuing Education.
Find a plan and add it to your shopping cart.
Welcome Small Business Employees
EASY TO ENROLL
With kynect choosing healthcare coverage is easy for employees of companies with 50 or fewer workers. You can view a summary of the plans offered by your employer. And, you can enroll and manage your account online by selecting a plan and adding it to your shopping cart.
CHECK IT OUT
Select the one you want, add it to your shopping cart, and check out. It is that simple. Your employer can tell you if you are enrolled through kynect. You will also be able to get help as you complete your application from Customer Service.
EASY TO COMPARE
Compare up to three plans side by side or see just one plan in detail. Compare by how much your Employer pays toward your insurance bill, the annual deductible or participating doctors, hospitals and clinics.
How can I kynect?
Welcome kynectors
HELP WANTED
Sometimes you want help. Sometimes you want to help someone else. With kynect, you can have it both ways. We have trained and certified kynectors in communities across the state to help people apply and answer questions. Find the kynector agency near you on our kynector map.
GET TRAINED
If you are a kynector, thank you for helping other Kentuckians find the quality healthcare coverage they need. If you would like to apply to help enroll other Kentuckians, email khbe.kynect@ky.gov for more information.
COMMUNITY SERVICE
Insurance agents are licensed expert professionals who can advise on all types of insurance coverage. kynectors are community groups whose goal is to help you learn about and get health coverage through kynect. To find someone to help in your community, click Assistance. You can search by zip code, language, working hours and more.