If you run an income-generating business with no employees, then you’re considered self-employed (not an employer) and can get self-employed health insurance plans in Kentucky through the Marketplace.
You’re not considered an employer even if you hire independent contractors to do some work.
If you have employees (generally, workers whose income you report on a W-2 at the end of the year) you’re considered an employer. Then you could get coverage for yourself and your employees through the Marketplace.
You can’t be denied coverage or charged more because you have a pre-existing health condition.
Health KY can help you compare important features of several plans side-by-side, all of them offering a full package of essential health benefits. You can see what your premium, deductibles, and out-of-pocket costs will be before you decide to enroll.
Starting in 2014, you may qualify to get lower costs on your monthly premiums when you buy private health insurance in the Marketplace.
When you fill out a Marketplace application, you’ll learn if you qualify for these lower costs. Depending on your income, you may also qualify for lower out-of-pocket costs, so you won’t have to pay as much for deductibles, copayments and coinsurance.
When you fill out an application, you’ll also learn if your or your children qualify for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP). You may qualify for these programs right now.
At HealthKY.com we have been serving Kentuckians for years. We’ve currently serve over 60,000 Kentuckians with all aspects of their health insurance needs. Can’t get out to see an agent? No problem We have trustworthy Local Kentucky Agents, in house, from all surrounding areas of the state. Our agents can connect with you in minutes or meet with you in as little as 24 hours. Thank you for the chance to serve you and your families Health and Medicare needs!