Kentucky · Plan year 2027 · Updated October 24, 2026
Kentucky health insurance for 2027
Kentucky residents buy marketplace coverage through kynect, its own state-run exchange. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027. Kentucky expanded Medicaid, so adults qualify up to $22,025 a year for one person.
| Where to enroll | kynect |
|---|---|
| 2027 open enrollment | November 1, 2026 to January 15, 2027 |
| Last day for Jan 1 coverage | not stated by the exchange |
| Medicaid expansion | Yes |
| State coverage mandate | No |
| Average 2027 rate change | +18.7% (requested), per the state's filings |
| Short-term plans | Allowed. A 2024 federal rule limits them to 4 months in total, but federal agencies said in August 2025 they would not enforce it while they rewrite it, so state law sets the limits |
What a plan costs in Kentucky
kynect publishes its own plans and prices, which aren't in CMS's federal plan files, so we don't list county prices here. Get your benchmark silver price from kynect's shopping tool and enter it in the subsidy calculator to see your credit.
Medicaid and CHIP limits in Kentucky
Yearly income limits in 2026 dollars. Medicaid checks current monthly income, so divide by 12 for the monthly figure.
| Group | % of poverty line | 1 person | 2 | 3 | 4 |
|---|---|---|---|---|---|
| Adults without children | 138% | $22,025 | $29,863 | $37,702 | $45,540 |
| Parents | 138% | $22,025 | $29,863 | $37,702 | $45,540 |
| Pregnancy | 218% | $34,793 | $47,175 | $59,558 | $71,940 |
| Children under 1 | 218% | $34,793 | $47,175 | $59,558 | $71,940 |
| Children 1 to 5 | 218% | $34,793 | $47,175 | $59,558 | $71,940 |
| Children 6 to 18 | 218% | $34,793 | $47,175 | $59,558 | $71,940 |
| CHIP | - | - | - | - | - |
Get a reminder before Kentucky's deadline
Email onlySources: kynect and CMS state marketplace list (exchange and dates); MACPAC MACStats, February 2026, and state Medicaid agencies (limits); HHS 2026 poverty guidelines; IRS Rev. Proc. 2026-26. All checked October 24, 2026. Methods.
Questions people ask
When is open enrollment in Kentucky for 2027?
kynect opens November 1, 2026 and closes January 15, 2027.
What is the Medicaid income limit in Kentucky?
Kentucky expanded Medicaid, so adults 19 to 64 qualify up to 138% of the poverty line: $22,025 a year for one person in 2026, checked against monthly income.