The residents of the Bluegrass State have many options when it comes to getting free insurance quotes. Kentucky residents are not limited when it comes to free insurance quotes. All it takes is a little knowledge and you can find the most suitable option to fit your needs.

Roughly 12% of Kentucky residents are currently uninsured. That is just not necessary, there are bound to be options to fit everyone's needs. Going uninsured is a huge financial risk. Not to mention statistics show that those uninsured typically do not get the healthcare they need.

The most often heard of option is the group insurance many employers offer to their employees. The carrier and benefits are a decision the employer makes. The insurance must accept everyone in the group no matter what their health condition is. It sometimes can be costly if your employer does not share the cost, especially for your dependents.

For healthy individuals the favorite option and most cost saving option is a individual Kentucky health insurance plan . The next choice is individual health insurance. Individual health insurance is not guarantee issue so they can decline to cover you if you have a high risk condition. They may also increase your rate for a health condition, but not more then 35%. An advantage is you have the freedom to choose your benefits based on your individual needs and budget.

If you do not have the employee group option and you can not get individual coverage due to a health condition you could be eligible for Kentucky Access. This is the states high risk pool. It allows health insurance to be sold to these high risk consumers.

If you are a young mother that can not afford the employer offered plan or have no health insurance options for your children you should look into KCHIP (Kentucky Children's Health Insurance Program). This plan offers an option to low income families to get children health insurance coverage. It is an affordable option to many residents.

Last but not least, Kentucky Department of Medicaid Services can also help. The guidelines for this government funded option is based on income and resources of a family. There are also simple eligibility requirements to be meet.

Whatever your need, no one in Kentucky should go uninsured. it is not smart and just not worth the risks. If all you can afford is a catastrophic plan that will cover any major illness then go for that. Anything is better then nothing when it comes to your health and financial security.