Kentucky Small Business Health Insurance

This guide:

  • Lists health insurance policy regulations.

  • Describes your insurance rights in Kentucky.

  • Explains interim health insurance in Kentucky.

We also have a guide to Kentucky health insurance for families and individuals.

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Kentucky health insurance regulations

Kentucky health insurance companies must sell small group health insurance to any small business. The price of small group health insurance in can fluctuate due to the age, gender or health status of the employees, but only a limited amount. Small group health insurance in is not allowed to be canceled because one of the insured individuals falls ill. If you have 2 to 50 employees you must be offered the same small group health insurance policy sold to other small businesses. Unless you meet the minimum level of participation the health insurance company requires, your policy will be terminated.

Your insurance rights

At the end of your health insurance policy's term, you always have the option of renewing it for another term.

Although your health insurance policy can be canceled for certain reasons, does not permit insurance companies to cancel your policy on the basis of illness.

Health benefits that you're entitled to depend upon the plan that you purchase.

Interim health insurance

Temporary health insurance is available from a few insurance companies.

More KY small business health insurance help

If you want more help getting the a good health insurance policy, read our guide to small business health insurance.

To find out more about KY group health insurance laws and regulations, visit the official website of the Kentucky Department of Insurance.

Want to learn even more?

Take our free health insurance course. You'll learn the simple step-by-step process that will help you locate, evaluate, and purchase the best possible health plan for you and your family. (Or your small business).

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