Best Short-Term Health Insurance in Kentucky (2024)

Short-term health insurance provides temporary coverage when you are in between plans for reasons such as unemployment or awaiting open enrollment. Temporary health insurance in Kentucky will cover you for weeks or months, typically less than a year, although the duration can be extended.

Keep in mind that temporary health insurance is not compliant with the Affordable Care Act (ACA), so it does not always cover all the essential health benefits. Providers can also turn down applicants based on preexisting medical conditions.

MoneyGeek found that National General Accident & Health and Everest Reinsurance Company offer the best short-term medical insurance in Kentucky, with scores of 95 and 85, respectively. However, the best option for you will depend on your specific needs.

Short-term health insurance is not a replacement for marketplace plans. By researching subsidies, you could find a marketplace plan with better coverage than a short-term plan at a similar cost.

If you are looking for temporary health insurance in Kentucky, the best companies are:

• National General Accident & Health: 95 out of 100
• Everest Reinsurance Company: 85 out of 100
• Companion Life Insurance Company: 63 out of 100

MoneyGeek ranked these companies based on their average maximum out-of-pocket costs and various cost-sharing options.

The top two providers, National General Accident & Health and Everest Reinsurance Company, have similar average MOOP costs of $7,500 and $7,958, respectively. However, the third-place company, Companion Life Insurance, has a significantly higher average MOOP of $12,438.

For low-cost temporary health insurance in Kentucky, National General Accident & Health is the cheapest option, with an average MOOP of $7,500.

While cost is essential, keep in mind that plans with low premiums usually have higher out-of-pocket costs. Before choosing the cheapest short-term health insurance plan, ensure that the coverage is adequate for your needs.

Short-term health insurance can be beneficial if you are in between jobs. For instance, you can purchase a plan for as little as one month. When purchasing health insurance between jobs, it’s best to weigh monthly premiums against coverage and cost-sharing options. Cheap premiums are desirable, but they come with high out-of-pocket costs (MOOPs), which can add up, especially if you need frequent care.

To help you find the best short-term health insurance in-between jobs, MoneyGeek ranked providers based on monthly premiums and cost-sharing. The best providers in Kentucky if you are in-between jobs are:

• Everest Reinsurance Company: $138 per month
• Companion Life Insurance Company: $141 per month
• UnitedHealthcare: $164 per month

Everest Reinsurance Company offers the lowest average premiums and the most plan options for splitting coverage costs.

Short-term health insurance provides coverage when there is a gap or lapse in your long-term health insurance plan, typically for no more than a few months. This means that while short-term health insurance will help you bridge gaps in your health insurance, it is best used as an emergency plan rather than a long-term solution to health insurance.

Short-term medical insurance in Kentucky can be purchased for up to 364 days. You also can renew your policy after the initial 364 days, but the maximum duration allowed, including renewals, is 36 months.

To learn more about short-term health insurance in Kentucky, you can reference the answers to commonly asked questions below.