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Already a member? Log in to your account to renew your plan or compare options.
Ready to pick up where you left off? Complete your application.
Finding A Kentucky Health Insurance Plan That’s Right For You
Stay on top of your health with Individual and Family health insurance plans in Kentucky that are designed to fit your budget. Anthem health plans include coverage for doctor visits, hospital care, and mental health benefits, plus:
Explore your options now to find out if you qualify for financial help.‡
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Bronze Plans
Bronze Plans
Bronze health insurance plans feature low monthly payments with a higher deductible. These plans are best for individuals or couples who have few doctor visits and only need or want coverage for medical emergencies.
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Silver Plans
Silver Plans
Silver health insurance plans have average monthly payments but a lower deductible than a Bronze plan. These plans are ideal for individuals and smaller families with average healthcare needs. Silver plans also offer cost-sharing reductions for those who qualify.
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Gold Plans
Gold Plans
Gold health insurance plans have higher monthly payments but an even lower deductible than Silver plans. They are best for individuals or families with regular, ongoing healthcare needs. Gold plans cover most routine healthcare costs.
Benefits Of Becoming An Anthem Member
Anthem designed its health plans and plan networks with different healthcare needs and budgets in mind. We offer a range of choices and make managing your benefits easier than ever. Our integrated approach can help improve your health, lower costs, and provide peace of mind.
Access To Quality Care
Anthem plans support your healthcare with a range of choices of doctors, care centers, and hospitals. You also have the flexibility of choosing a video visit with a doctor or therapist on your smartphone, tablet, or computer.
Pharmacy Coverage
Your Anthem health plan includes coverage for most generic and many brand-name prescription drugs. Some commonly-prescribed drugs are available starting as low as $0. Otherwise, you'll pay a certain amount for medications, depending on the coverage tier or class of drug.
$0 Preventive Care
Avoiding illness or catching problems early are key to staying healthy. Your plan covers preventive care at no cost to you when you see a doctor in your plan’s network. Preventive care includes checkups, screenings, and vaccines.
$0 Virtual Care, 24/7
Using the Sydney Health app, you can talk to a board-certified doctor from the comfort of your home or on-the-go. The doctor can give you expert medical advice, diagnose common health issues, and send prescriptions right to your pharmacy. Many plans offer virtual care visits using the Sydney Health app at no cost to you.
Earn Rewards For Healthy Habits
Our Smart Rewards program lets you and your covered spouse or partner earn rewards for completing health and wellness activities. Redeem rewards for a digital gift card from a selection of retailers.
Difference Between On And Off Exchange Plans
With Anthem, you have access to both on-exchange and off-exchange health insurance plans that you can shop and compare directly on our site.
On-exchange
health insurance plans are also available on the Kentucky Health Benefit Exchange, sometimes referred to as the Marketplace. Financial help, or subsidies to lower the cost of coverage, are only available when you enroll in an on-exchange health plan.
Off-exchange
health insurance plans covering the same essential health benefits as on-exchange plans are available outside of the exchange or marketplace directly through Anthem.
Our Health Plan Consultants can help you determine if you are eligible for financial help and find the best plan for your needs and budget.
How Health Insurance Covers Expenses
Health insurance can be the key to supporting your health and well-being. Once you purchase an Anthem plan, you’ll be covered for annual physicals and preventive care visits with providers in your network. Here are the basics of how your plan covers expenses and which portions of your healthcare costs you’re responsible for.
The deductible is the amount you pay each year before your plan starts to pay for covered services. This does not include costs for preventive services, which are covered regardless of the deductible when provided by a doctor in your plan's network.
Copays are fixed amounts (such as $10 or $20) that you pay out-of-pocket for visits to in-network healthcare providers. Amounts can vary depending on the provider (primary care or a specialist) you see or the services you receive (such as medications, labs, and diagnostic tests).
Coinsurance is the percentage you pay for covered healthcare services after you reach your deductible. For example, if the allowed amount for a service is $100 and your coinsurance is 20%, you will pay $20 for that service after your deductible is met.
This the most you will pay for covered healthcare services during the coverage year. If you reach the out-of-pocket maximum, your plan pays 100% of covered benefits.
Health Insurance Basics
Have questions about healthcare insurance, its costs, or special circumstances? These articles cover the basics and can help you make informed health insurance decisions.
Get A Kentucky Health Insurance Quote
Ready to take the next step? We can help you get a quote for health coverage that works for you and your family. Plus, our experts are standing by to help you choose a plan that’s right for you.
Anthem Offers Individual & Family Plans In These States
If your state isn’t listed, visit www.bcbs.com for other coverage options.
†Virtual care visits, including medical chats and video visits using the Sydney Health app are at no cost to members for most plans. Those enrolled in High-Deductible Health Plans associated with a Health Savings Account and Catastrophic plans must first meet their deductible. Virtual care visits refer to medical chats and/or video consultation, as deemed appropriate by a licensed physician. In addition to using a telehealth service, you can receive in-person or virtual care from your own doctor or another healthcare provider in your plan’s network. If you receive care from a doctor or healthcare provider not in your plan’s network, your share of the costs may be higher. You may also receive a bill for any charges not covered by your health plan.
§Nationally recommended preventive care services received in-network have no copay and no deductible requirement.
¶Some commonly-used prescription drugs are available at no cost to you. Contact us for more information.
**Centers for Medicare & Medicaid Services: Health Insurance Marketplaces 2023 Open Enrollment Report (2023): https://www.cms.gov/files/document/health-insurance-exchanges-2023-open-enrollment-report-final.pdf.
‡Subsidies are only available for Qualified Health Plans purchased through the Health Insurance Marketplace and State-Based exchanges. Anthem Health Plans of Kentucky, Inc. offers such Plans through Kentucky Health Benefit Exchange (Kynect).
†Virtual care visits, including medical chats and video visits using the Sydney Health app are at no cost to members for most plans. Those enrolled in High-Deductible Health Plans associated with a Health Savings Account and Catastrophic plans must first meet their deductible. Virtual care visits refer to medical chats and/or video consultation, as deemed appropriate by a licensed physician. In addition to using a telehealth service, you can receive in-person or virtual care from your own doctor or another healthcare provider in your plan’s network. If you receive care from a doctor or healthcare provider not in your plan’s network, your share of the costs may be higher. You may also receive a bill for any charges not covered by your health plan.
§Nationally recommended preventive care services received in-network have no copay and no deductible requirement.
¶Some commonly-used prescription drugs are available at no cost to you. Contact us for more information.
**Centers for Medicare & Medicaid Services: Health Insurance Marketplaces 2023 Open Enrollment Report (2023): https://www.cms.gov/files/document/health-insurance-exchanges-2023-open-enrollment-report-final.pdf.
‡Subsidies are only available for Qualified Health Plans purchased through the Health Insurance Marketplace and State-Based exchanges. Anthem Health Plans of Kentucky, Inc. offers such Plans through Kentucky Health Benefit Exchange (Kynect).