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Individual Health Plans Fully Insured, Health Savings Accounts, High Risk Pool Individual health plans are available to anyone needing health coverage. These plans can be purchased for any age up to 65. Individual health plans are not guarantee issue. An individual can be turned down coverage if the insurance carrier so decides. If an individual is turned down coverage, they may be eligible for the high risk pool offered by Kentucky Access. There are many options to consider when applying for an individual health plan. Most carriers offer a wide range of deductibles, co-payments, co-insurance, and out of pocket levels. Each of these items will affect the cost of the plan selected. The newest health insurance plan being offered is the Health Savings Account. This type of plan includes a high deductible health insurance with an optional savings account that can be used to pay for qualified health expenditures. The savings account can be carried forward from year to year. The Following are a list of Kentucky Individual Health Insurers that we represent. Each of these carriers have or are supposed to have a Health Savings Account in the coming months. Click on each carrier to obtain additional information about the plans and services they offer. For more information on individual health plans and Health Savings Accounts, please contact us:
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