Health insurance in Kentucky
296,932 people under 65 in Kentucky have no health coverage. 146,636 of them earn in the range a premium tax credit is built for.
Source: US Census Small Area Health Insurance Estimates, 2024 release.
Who is uninsured in Kentucky
296,932 people under 65 in Kentucky have no health coverage — 8.1% of the under-65 population, 31st highest of the 51 states and DC. 146,636 (49%) earn inside the premium tax credit range.
104,410 uninsured Kentucky residents (35% of the total) earn under $22,025. Kentucky expanded Medicaid, so that group mostly qualifies for it instead — and it enrolls year-round.
Where Kentucky residents enroll, and by when
Kentucky does not use HealthCare.gov. It runs kynect at kynect.ky.gov, and sets its own enrollment dates — which are not always the federal ones. Applying at HealthCare.gov will redirect you.
Open Enrollment for Kentucky: November 1, 2026 to January 15, 2027.
Checked 2026-09-01. 2027 dates moved nationally after a court ruling — what changed and why.
How enrollment works · If you missed the window
The 8 largest counties in Kentucky
By under-65 population — 42% of Kentucky's under-65 residents, from 120 counties with published estimates.
| County | Under 65 | Uninsured | In subsidy range | Share | Uninsured 50–64 |
|---|---|---|---|---|---|
| Jefferson County | 641,626 | 7.9% | 24,496 | 48% | 7.1% |
| Fayette County | 270,194 | 9.1% | 11,327 | 46% | 6.7% |
| Kenton County | 146,391 | 6.6% | 4,922 | 51% | 4.6% |
| Warren County | 122,521 | 10.2% | 5,927 | 47% | 9.1% |
| Boone County | 121,966 | 5.4% | 3,315 | 50% | 4.5% |
| Hardin County | 93,638 | 6.9% | 3,408 | 53% | 5.5% |
| Daviess County | 83,825 | 7.7% | 3,258 | 50% | 5.3% |
| Madison County | 79,844 | 7.4% | 2,967 | 50% | 5.2% |
Source: US Census Small Area Health Insurance Estimates, 2024 release. "In subsidy range" counts uninsured under-65 residents earning 138–400% of the federal poverty level.