If you do not have access to employer-sponsored group health plan, you may want to buy an individual health insurance policy from a private insurer or you may be eligible for coverage under a program offered by the state, Kentucky Access. However, in Kentucky – as in most other states – you have limited guaranteed access to individual health insurance in the private market. There are some alternatives to private individual health insurance, such as COBRA coverage or conversion policy. This chapter summarizes your protections under different kinds of health plan coverage.
Individual Health Plans
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- Individual Health Insurance Sold by Private Insurers
- COBRA and State Continuation Coverage
- Conversion Policies
- Kentucky Access