Tax Forms 1095-A (Health Insurance) and 1095-B (Medicaid) are currently in the mail. Please allow two weeks to receive yours. Click on the Tax Information tab below for more information. If you have questions about your 1095 form, you can call the kynect Tax Hotline at 1-844-373-2417. If you have questions about any other tax issue, please call the IRS at 1-800-829-1040. The Open Enrollment period for kynect ended January 31st. People who qualify for Medicaid or KCHIP can still enroll right now. People who have had an event or change in their lives, such as marriage or the loss of health coverage can request a special enrollment period if within 60 days of the event. Small businesses can enroll in SHOP at any time.

Welcome to kynect, Kentucky’s Healthcare Connection.
Quality health coverage. For every Kentuckian.
ENROLL ON YOUR PHONE
With the new kynect mobile app, you can enroll from beginning to end on your phone. Health insurance at your fingertips. Fill out an application, check for discounts, look at plans, or find someone to help you. Plus, once you have coverage through kynect, you can submit documents, manage your plans, and update your information.
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. There are several resources that provide additional guidance on Penalties & Exemptions, Special Enrollment, Shopping for Health Insurance Plans, Coverage Effective Dates, Changes in Special Discounts or Payment Assistance, Payments and Due Dates, Additional Help and Some Terms You Should Know.
For more information on finding an Agent or kynector, there is Additional Help.
If you want to know when you should go to an emergency room or what to expect when visiting the doctor or nurse practitioner, find out on How to kynect
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.
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.
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.
kynect TRAINING MATERIALS AND RESOURCES
The Kentucky Office of Health Benefit and Information Exchange’s training materials provide you with a robust set of materials and resources to support you while working in the field. Below are some highlights to the training materials available to you.
  • kynect Training Manual: This manual contains detailed descriptions of kynect policies, Kentucky’s healthcare coverage options, insurance agent and kynectors’ responsibilities and an overview of the system functionality. All should use the manual throughout the year as a point of reference to better serve your clients.
  • Quick Reference Guides (QRGs): QRGs provide a detailed explanation of “hot topics” and complicated subject matter for insurance agents and kynectors working in kynect.
  • Job Aids: Job aids are step-by-step instructions on completing common processes in kynect.
  • Quick Start Guide (QSG): To support new insurance agents and kynectors in getting started using kynect from day one. This QSG covers the initial steps to support an individual in kynect including setting up an account, helping individuals create accounts, starting an application on kynect, and using the insurance agent /kynector dashboard.
  • Webinars: Detailed presentations covering specific topics surrounding kynect policy and system functionality.
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.
kynect TRAINING MATERIALS AND RESOURCES
The Kentucky Office of Health Benefit and Information Exchange’s training materials provide you with a robust set of materials and resources to support you while working in the field. Below are some highlights to the training materials available to you.
  • kynect Training Manual: This manual contains detailed descriptions of kynect policies, Kentucky’s healthcare coverage options, insurance agent and kynectors’ responsibilities and an overview of the system functionality. All should use the manual throughout the year as a point of reference to better serve your clients.
  • Quick Reference Guides (QRGs): QRGs provide a detailed explanation of “hot topics” and complicated subject matter for insurance agents and kynectors working in kynect.
  • Job Aids: Job aids are step-by-step instructions on completing common processes in kynect.
  • Quick Start Guide (QSG): To support new insurance agents and kynectors in getting started using kynect from day one. This QSG covers the initial steps to support an individual in kynect including setting up an account, helping individuals create accounts, starting an application on kynect, and using the insurance agent /kynector dashboard.
  • Webinars: Detailed presentations covering specific topics surrounding kynect policy and system functionality.
Get informed about filing your taxes.
General Information

IMPORTANT TAX ANNOUNCEMENT(S):

Failing to file 2014 tax return will prevent payment assistance in 2016.

The IRS sent letters reminding taxpayers who received advance payments of the premium tax credit (payment assistance) in 2014 that they should file their 2014 tax return as soon as possible to ensure they can timely receive advance payments next year from their Marketplace (kynect).
If advance payments of the premium tax credit (payment assistance) were paid on behalf of you or an individual in your family in 2014, and you did NOT file a 2014 tax return, you will NOT be eligible for advance payments of the premium tax credit or cost-sharing reductions (special discounts) to help pay for your kynect health insurance coverage in 2016. This means you will be responsible for the full cost of your monthly premiums and all covered services. In addition, the IRS may contact you to pay back some or all of the 2014 advance payments of the premium tax credit.
kynect will determine eligibility for advance tax credit payments (payment assistance) and cost-sharing reductions (special discounts) for the 2016 coverage year during Open Enrollment. Open Enrollment for 2016 coverage begins November 1, 2015 and ends January 31, 2016. You can avoid a gap in receiving payment assistance if you electronically file your 2014 tax return with Form 8962 as soon as possible.
It is not too late to file taxes for 2014 and to reconcile any advance credit payments you received in 2014. Filing will maintain your eligibility for future payment assistance.
Remember that filing electronically is the best and simplest way to file a complete and accurate tax return as it guides you through the process and does all the math.
If you have a question about the information shown on your Form 1095-A, about receiving Form 1095-A, or about a tax letter you received, contact kynect at 1-844-373-2417.
General Information
KNOW YOUR 1095s
Form 1095 is a tax form just like a W-2. In general, Form 1095s report the type of health coverage you had and what months you had it. You will need Form 1095 in order to complete your Federal tax return. There are 3 types of Form 1095s – A, B and C.
Form 1095-A
Form 1095-A is for individuals who received payment assistance (APTC) to lower the cost of their health insurance. It reports the APTC you received, as well as the months you had coverage. You will use Form 1095-A to fill out IRS Form 8962. Form 8962 may be part of your Federal tax filing.
If you receive APTC, you must file a tax return. Your tax return is how the IRS knows you received the correct amount of payment assistance. If you got advanced payments to help to lower your insurance bill each month or APTC, and you do not file a tax return, you will not be able to get advanced payments next year. You may still be eligible for payment assistance but you will have to wait until you file your taxes to receive it.
Form 1095-B
Any member of your household that was enrolled in Medicaid or KCHIP through kynect will receive their own Form 1095-B. If you file a tax return, you will be asked if you had health coverage. Form 1095-B is proof of the coverage you had through kynect. You should save Form 1095-B with your tax information. If you don’t file a tax return, just keep Form 1095-B for your records.
Form 1095-C
Form 1095-C is for individuals covered by insurance through their jobs. It will come from your employer if the business employs 50 or more full time employees. It reports the months that you had coverage. kynect cannot help you if you have a question about Form 1095-C. You must ask your employer.
GET HELP
Click on Tax FAQs to find the answers to your questions about health coverage and your taxes. You can find out about the tax penalty, personal exemptions, tax forms, detailed information on 1095s and more.
You can also get answers to your questions from your tax preparer, your accountant or the IRS. To reach the IRS help service, go online to irs.gov/aca or call the IRS toll free at 1-800-829-1040.
Kentuckians have access to nearly 200 free tax preparation sites across the state where trained and IRS-certified volunteers will help you with your taxes. For more information on Volunteer Income Tax Assistance (VITA), go to assistance.ky.gov or call Community Action Kentucky at 1-800-456-3452.

How health coverage will affects your 2016 federal income tax return

If anyone in your household enrolled in a health plan through kynect in 2016, your health coverage may affect your income taxes when it comes time to file. This page provides information and tools to help you better understand the steps you need to take to file your tax return.
  • You will provide additional information when you file your 2016 federal income tax return
  • You may have to complete one or two new tax forms
  • You may have to get a health coverage exemption or pay a fine when you file your taxes
You will receive a 1095-A, Health Insurance Marketplace Statement from kynect if you recevied payment assistance to help pay your insurance premiums. You will need to file Form 8962 with the IRS.
You will not receive a 1095-A, Health Insurance Marketplace Statement, from kynect and will not need to file From 8962 with the IRS, if you only recevied coverage through any of the following programs in 2015:
  • Medicaid
  • KCHIP
  • Medicare
  • Catastrophic Health Insurance
If you or another family member received coverage through Medicaid, KCHIP, or Medicare, you will instead receive Form 1095-B, Health Coverage. This Form 1095-B provides information needed to report on your income tax return that you, your spouse, and individuals you claim as dependents had health coverage during 2015. You will not need to fill out Form 8962 for Medicaid, KCHIP or Medicare coverage.
If you or another family member were offered or received coverage through a large employer-sponsored plan, you will receive Form 1095-C
Important Forms and Notices
Form 1095-A will come in a blue envelope. Form 1095-B will come in a yellow envelope.
You may receive one or more of the following Tax Forms in the mail to use when filing your 2015 taxes in 2016:
These forms will also be available to you through your kynect mailbox
Other important tax forms:
You have questions and we are here to help
We know you have questions. Please click on Frequently Asked Questions to find the answers you need.
Free tax help is available. Kentuckians have access to nearly 200 free tax preparation sites across the state where trained and IRS-certified volunteers will assist you with your taxes. Most locations also offer free electronic filing. For more information or to find a site near you, go to assistance.ky.gov, or call Community Action Kentucky at 1-800-456-3452. For more information about free electronic tax filing software for Kentucky residents, go to revenue.ky.gov/FFAOffers.htm.
Tax tools to help you file your 2016 taxes
kynect has tools to help you get the information you need. Select a tool and click 'Get Tax Details':
Resources
Tax Filing Questions
irs.gov/aca
1-800-829-1040
1095-A Questions
kynect.ky.gov
1-844-373-2417
Exemption Questions
healthcare.gov/exemptions
1-800-829-1040
Federal Tax Forms
irs.gov
1-800-829-1040
Free In Person Tax Assistance
assistance.ky.gov
1-800-456-3452
Free Tax Filing Software
revenue.ky/FFAOffers.htm or KRS.gov/freefile
You may also want to consider working with a professional tax preparer or tax attorney.