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Obamacare in Kentucky

The Affordable Care Act (ACA), which is often referred to as Obamacare, was put in place to give Americans quality healthcare choices. As of February of 2015, 106,330 Kentucky residents chose or were re-enrolled in health plans through the Health Insurance Marketplace. Nationwide, the number of consumers taking part in health coverage is over 11 million. The Affordable Care Act has resulted in the largest drop in the number of uninsured in the past 40 years. Obamacare means Kentucky residents who were previously refused insurance due to pre-existing health issues can no longer be denied affordable healthcare. To learn more information on KY Obamacare, view the topics listed below:

  • Did Kentucky accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in Kentucky?
  • Eligibility for Obamacare in Kentucky
  • How to apply for Obamacare in Kentucky
  • Health plan cost and availability in Kentucky

Did Kentucky accept the ACA Medicaid expansion?

What is the Obamacare Medicaid expansion in KY? It is a program offered to residents whose income falls below 133 percent of the poverty level as determined by the federal government. The Affordable Care Act Medicaid expansion has not been accepted by all 50 states. Those states that have not accepted the ACA Medicaid expansion determine any Medicaid eligibility rules.

What is the expansion of Medicaid? The Obamacare Medicaid expansion covers gaps in the ACA Medicaid program, expanding the program so it covers residents who did not previously qualify. The expansion program was accepted by Kentucky. Since the Obamacare Medicaid expansion details in KY have changed eligibility requirements, residents who previously did not qualify should reapply.

The ACA Medicaid expansion cost to states who accepted the expansion was zero for the first three years. After that, the cost in Kentucky was around 10 percent, with the federal government paying the rest. Residents of KY can obtain an Obamacare Medicaid application through a variety of methods, which may include local insurance agents. Obamacare Medicaid eligibility has expanded to include pre-existing medical conditions and other issues.

Does the State or Federal Government Run the Health Insurance Exchange in Kentucky?

What is the health insurance exchange? The Affordable Care Act (ACA) set up an online exchange in order for Americans to find health insurance meeting ACA requirements in each state. The Obamacare health insurance exchange makes it easier to find an insurance plan that fits the needs of the residents while following ACA restrictions.

What is the marketplace for health insurance? The Obamacare healthcare marketplace offers a variety of government subsidized healthcare programs in addition to non-subsidized plans. All of the plans on the exchange meet the health insurance exchange regulations, so residents can be sure select a plan without concerns. In Kentucky, the health insurance exchange is state-run.

Eligibility for Obamacare in Kentucky

What are the requirements to apply for Obamacare in KY? Applicants must be a U.S. citizen, must be a resident of Kentucky, and must not be incarcerated.

Who is eligible for Obamacare? Residents who meet the household income level requirement for Obamacare are eligible. There is no need to find out how to qualify for Obamacare to see what qualifications are required, as income level is the only factor. As long as the household income falls within the federal poverty levels, residents qualify. Obamacare coverage eligibility requirements are simple, as there is only the one requirement, not a long list of them. Obamacare income requirements also ensure that no one is turned down for discriminatory reasons.

How to Apply for Obamacare in Kentucky

Regarding how to apply for Obamacare insurance, the process is easy. There are many choices of where to apply for Obamacare in Kentucky. Applications are available online through Health Insurance Marketplace or with in-person assistance at local health service offices. Other ways to apply include by phone or by obtaining an application and mailing it in with any required documentation.

What do I need to apply for Obamacare? Proof of residency, previous tax returns, social security information for household members, current insurance plan information, and projected income for the current year are some of the things needed when applying for Obamacare. The application will indicate what is needed to sign up for Obamacare in Kentucky.

Can I apply online for Obamacare? The answer is yes. The online service explains how to get Obamacare with step-by-step instructions and allows residents to fill out an online application. Keep in mind that any necessary documents will also need to be submitted.

While learning how to enroll in Obamacare is not complicated, it can still be confusing. Residents with questions might find it easier to apply by phone or in person. That allows for in-person assistance and help finding out exactly what documents or information will be needed to finish the application process.

Health Plan Cost and Availability in Kentucky

How much does Obamacare cost in Kentucky? The answer depends on the insurance program. Preventative services have no copay or deductibles, meaning no cost to the beneficiary. Prescription drug costs were discounted in 2014 in Kentucky, providing a $977 average savings to each beneficiary. How much each beneficiary pays for the Obamacare plan depends on income.

How much will Obamacare insurance cost me? There are five plans in Kentucky, each with differing deductibles, medical cost coverage, and premiums. The Bronze plan has the lowest cost, the lowest premium, and covers 60 percent of medical expenses. The Silver plan has low costs and covers 70 percent of medical expenses. The Gold plan is fairly expensive, though it covers 80 percent of medical expenses. The Platinum plan has the highest premium costs, yet covers 90 percent of medical expenses. Finally, the Catastrophic plan has high deductibles and low premiums, but is available only to residents under 30 years of age.

Obamacare health insurance price estimates will fluctuate according to the plan, individual preferences, the number of household members and more. Federal funding is meant to keep Obamacare health insurance plans costs down for each state, as well as the residents.