As a summary, this guide will not answer every question for every person in every circumstance.  In addition, it is not a substitute for legal advice.  If you have more questions, contact the agencies listed below or consult an attorney.

For questions about:
Individual health insurance
State continuation coverage
Conversion coverage
Fully insured group health insurance
Contact:
Kentucky Department of Insurance
(502) 564-3630
(800) 595-6053 (toll-free)
(800) 462-2081 (TDD)
http://www.doi.state.ky.us/

For questions about:
Self-insured group health plans
COBRA continuation coverage
Family and Medical Leave Act
Contact:
U.S. Department of Labor, Division of Technical Assistance and Inquiries, Washington, D.C.
(202) 219-8776
For Department of Labor Employee Benefits Security Administration
Employee & Employer Assistance Hotline and Publications:
(866) 444-EBSA (3272)
http://dol.gov/ebsa

For questions about:
State High-Risk Pool
Contact:
Kentucky Access
(866) 405-6145
https://www.kentuckyaccess.com/index.cfm

For questions about:
Kentucky Children’s Health Insurance Program (KCHIP)
Contact:
To apply, visit your local Health Department or Department of Community Based Services and pick up an application.  You may also request that an application be mailed to you by calling:
(877) 524-4718 (toll free)
(877) 524-4719 (TDD)
(800) 662-5397 (Spanish)
Or visit the KCHIP website at:
http://kidshealth.ky.gov/en/kchip

For questions about:
Kentucky Medical Assistance Program (MEDICAID)
Contact:
To apply, visit your local Department for Community Based Services Office.
If you have questions about member services call:
(800) 635-2570
(800) 775-0296 (TDD)
Or visit the website at:
http://www.chfs.ky.gov/dms/

For questions about:
Federal Health Coverage Tax Credit (HCTC)
Contact:
Internal Revenue Service (IRS)
(866) 628-HCTC
http://www.irs.gov/individuals/article/0..id=187948.00.html