Bronze PlansOur individual & family health plans in Kentucky are designed to be affordable for different needs and budgets. With a variety of coverage options, we make it easier for you and your family to live your healthiest lives.
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Choose 2024 if shopping for coverage beginning January 1, 2024.
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Already a member? Log in to your account to renew your plan or compare options.
Ready to pick up where you left off? Complete your application.
Stay on top of your health with Individual and Family health insurance plans in Kentucky that are designed to fit your budget. Anthem health plans include coverage for doctor visits, hospital care, and mental health benefits, plus:
$0 virtual care, 24/7 †
$0 preventive care §
Prescription drug coverage, with some commonly-used drugs as low as $0 ¶
9 out of 10 can save on the cost of health coverage **
Explore your options now to find out if you qualify for financial help. ‡
Bronze PlansBronze health insurance plans feature low monthly payments with a higher deductible. These plans are best for individuals or couples who have few doctor visits and only need or want coverage for medical emergencies.
Monthly Payment 1 out of 4
Deductible 4 out of 4
The amount you pay each year before your plan starts to pay for covered services. This does not include costs for preventive services, which are covered regardless of the deducible when provided by a doctor in your plan network.
The amount you pay each year before your plan starts to pay for covered services. This does not include costs for preventive services, which are covered regardless of the deducible when provided by a doctor in your plan network.
Silver PlansSilver health insurance plans have average monthly payments but a lower deductible than a Bronze plan. These plans are ideal for individuals and smaller families with average healthcare needs. Silver plans also offer cost-sharing reductions for those who qualify.
Monthly Payment 2 out of 4
Deductible 3 out of 4
The amount you pay to your health insurance company each month for your health plan. If you have health coverage through your place of work, your employer may share the cost of your premium.
The amount you pay each year before your plan starts to pay for covered services. This does not include costs for preventive services, which are covered regardless of the deducible when provided by a doctor in your plan network.
Gold PlansGold health insurance plans have higher monthly payments but an even lower deductible than Silver plans. They are best for individuals or families with regular, ongoing healthcare needs. Gold plans cover most routine healthcare costs.
Monthly Payment 3 out of 4
Deductible 2 out of 4
The amount you pay to your health insurance company each month for your health plan. If you have health coverage through your place of work, your employer may share the cost of your premium.
The amount you pay each year before your plan starts to pay for covered services. This does not include costs for preventive services, which are covered regardless of the deducible when provided by a doctor in your plan network.
Anthem designed its health plans and plan networks with different healthcare needs and budgets in mind. We offer a range of choices and make managing your benefits easier than ever. Our integrated approach can help improve your health, lower costs, and provide peace of mind.
Anthem plans support your healthcare with a range of choices of doctors, care centers, and hospitals. You also have the flexibility of choosing a video visit with a doctor or therapist on your smartphone, tablet, or computer.
Your Anthem health plan includes coverage for most generic and many brand-name prescription drugs. Some commonly-prescribed drugs are available starting as low as $0. Otherwise, you'll pay a certain amount for medications, depending on the coverage tier or class of drug.
Avoiding illness or catching problems early are key to staying healthy. Your plan covers preventive care at no cost to you when you see a doctor in your plan’s network. Preventive care includes checkups, screenings, and vaccines.
Using the Sydney Health app, you can talk to a board-certified doctor from the comfort of your home or on-the-go. The doctor can give you expert medical advice, diagnose common health issues, and send prescriptions right to your pharmacy. Many plans offer virtual care visits using the Sydney Health app at no cost to you.
Our Smart Rewards program lets you and your covered spouse or partner earn rewards for completing health and wellness activities. Redeem rewards for a digital gift card from a selection of retailers.
The Affordable Care Act (ACA) helps ensure that all Americans have access to affordable health insurance. It offers financial help, or a health insurance subsidy, based on your income, to help reduce your healthcare costs. Our video explains how to determine if you’re eligible for financial help when purchasing an ACA health plan.
With Anthem, you have access to both on-exchange and off-exchange health insurance plans that you can shop and compare directly on our site.
On-exchange
health insurance plans are also available on the Kentucky Health Benefit Exchange, sometimes referred to as the Marketplace. Financial help, or subsidies to lower the cost of coverage, are only available when you enroll in an on-exchange health plan.
Off-exchange
health insurance plans covering the same essential health benefits as on-exchange plans are available outside of the exchange or marketplace directly through Anthem.
Our Health Plan Consultants can help you determine if you are eligible for financial help and find the best plan for your needs and budget.
Health insurance can be the key to supporting your health and well-being. Once you purchase an Anthem plan, you’ll be covered for annual physicals and preventive care visits with providers in your network. Here are the basics of how your plan covers expenses and which portions of your healthcare costs you’re responsible for.
DeductibleThe deductible is the amount you pay each year before your plan starts to pay for covered services. This does not include costs for preventive services, which are covered regardless of the deductible when provided by a doctor in your plan's network.
Copays are fixed amounts (such as $10 or $20) that you pay out-of-pocket for visits to in-network healthcare providers. Amounts can vary depending on the provider (primary care or a specialist) you see or the services you receive (such as medications, labs, and diagnostic tests).
CoinsuranceCoinsurance is the percentage you pay for covered healthcare services after you reach your deductible. For example, if the allowed amount for a service is $100 and your coinsurance is 20%, you will pay $20 for that service after your deductible is met.
Out-Of-Pocket MaximumThis the most you will pay for covered healthcare services during the coverage year. If you reach the out-of-pocket maximum, your plan pays 100% of covered benefits.
Have questions about healthcare insurance, its costs, or special circumstances? These articles cover the basics and can help you make informed health insurance decisions.
Knowing the essentials of how health insurance works can help you choose the health insurance plan that’s the best option for you or your family.
You may be able to save on your health coverage costs with financial help through the Affordable Care Act. Find out if you qualify.
The cost of health insurance can be a big part of your family's budget. Find out how to balance the cost with the coverage and benefits.
When life changes, your health insurance should keep pace. Open enrollment is the right time to make changes to your health insurance coverage.
Losing a job can be difficult. But it doesn't mean you have to lose health coverage for yourself or your family. Learn about your alternatives.
Some life changes, or qualifying events, can mean you're eligible to change your health insurance options outside of the open enrollment period.
A new rule has fixed the ACA family glitch that disqualified many families from health insurance subsidies. Learn how this affects your family at Anthem.
Ready to take the next step? We can help you get a quote for health coverage that works for you and your family. Plus, our experts are standing by to help you choose a plan that’s right for you.
If your state isn’t listed, visit www.bcbs.com for other coverage options.
† Virtual care visits, including medical chats and video visits using the Sydney Health app are at no cost to members for most plans. Those enrolled in High-Deductible Health Plans associated with a Health Savings Account and Catastrophic plans must first meet their deductible. Virtual care visits refer to medical chats and/or video consultation, as deemed appropriate by a licensed physician. In addition to using a telehealth service, you can receive in-person or virtual care from your own doctor or another healthcare provider in your plan’s network. If you receive care from a doctor or healthcare provider not in your plan’s network, your share of the costs may be higher. You may also receive a bill for any charges not covered by your health plan.
§ Nationally recommended preventive care services received in-network have no copay and no deductible requirement.
¶ Some commonly-used prescription drugs are available at no cost to you. Contact us for more information.
** Centers for Medicare & Medicaid Services: Health Insurance Marketplaces 2023 Open Enrollment Report (2023): https://www.cms.gov/files/document/health-insurance-exchanges-2023-open-enrollment-report-final.pdf.
‡ Subsidies are only available for Qualified Health Plans purchased through the Health Insurance Marketplace and State-Based exchanges. Anthem Health Plans of Kentucky, Inc. offers such Plans through Kentucky Health Benefit Exchange (Kynect).
† Virtual care visits, including medical chats and video visits using the Sydney Health app are at no cost to members for most plans. Those enrolled in High-Deductible Health Plans associated with a Health Savings Account and Catastrophic plans must first meet their deductible. Virtual care visits refer to medical chats and/or video consultation, as deemed appropriate by a licensed physician. In addition to using a telehealth service, you can receive in-person or virtual care from your own doctor or another healthcare provider in your plan’s network. If you receive care from a doctor or healthcare provider not in your plan’s network, your share of the costs may be higher. You may also receive a bill for any charges not covered by your health plan.
§ Nationally recommended preventive care services received in-network have no copay and no deductible requirement.
¶ Some commonly-used prescription drugs are available at no cost to you. Contact us for more information.
** Centers for Medicare & Medicaid Services: Health Insurance Marketplaces 2023 Open Enrollment Report (2023): https://www.cms.gov/files/document/health-insurance-exchanges-2023-open-enrollment-report-final.pdf.
‡ Subsidies are only available for Qualified Health Plans purchased through the Health Insurance Marketplace and State-Based exchanges. Anthem Health Plans of Kentucky, Inc. offers such Plans through Kentucky Health Benefit Exchange (Kynect).
