You get a licensed broker who prices every realistic Kentucky option against your actual census, then runs the enrollment. Our compensation comes from carriers, never from you.
A licensed broker will contact you within 1 business hour with your personalized group health options.
Need it faster? Call us directly:
(863) 270-9820
Traditional group, level funded, and ICHRA, priced side by side for the businesses we work with every day: 2 to 25 employees.
No portals to learn and no forms to chase. You answer questions once and we build from there.
Ages and ZIP codes are enough. No health questionnaires needed to get real numbers on the table.
We quote the Kentucky carriers competing for a group your size and explain which trade-offs actually matter for your people.
Paperwork, employee onboarding, and every renewal after. You are not doing this alone next year either.
Most quotes reach Kentucky owners through someone bound to a single lane: one carrier, one product, or a call center reselling your contact details. We are structurally different.
Every year we re-quote the market and tell you honestly whether moving is worth it.
You get Amanda or Erik directly, not a call center. Same broker from quote to renewal.
Enrollment, renewals, claims questions. We stay with you long after the policy starts.
From basic MEC plans to full PPO coverage, we find the right fit for your business.
Plans built for teams of 2 to 25, with the ancillary coverage most employees ask about first.
Comprehensive coverage options from Kentucky's top carriers including Anthem Blue Cross Blue Shield, Humana, UnitedHealthcare, Cigna, and more.
Robust pharmacy benefits included with most plans, reducing out-of-pocket costs for your entire team.
We match your team to the right plan type, whether you need lower premiums, more flexibility, or HSA-compatible options.
We re-shop your plan every year at renewal so you can see how your rate compares before you renew.
We walk your new hires through their options, answer their questions, and handle enrollment, so you don't have to.
Small groups run on their own rules: participation, contribution, owner eligibility, waivers. We work inside those rules every day, so nothing about a Kentucky group of 3 or 23 surprises anyone at enrollment.
Most brokers only quote one of these. We run all three side by side and show you the math.
Fully insured plans from Kentucky's top carriers, including Anthem Blue Cross Blue Shield and Louisville-based Humana. Fixed premiums, zero surprises, and the easiest plan for employees to understand.
Big-company economics for small teams. You pay a level monthly amount, and if your team has a healthy year, you can get money back at renewal. Often beats fully insured pricing for healthy groups.
Set a tax-free monthly allowance and every employee picks the plan that fits them. You control the budget with no renewal shock, they get real choice. We handle setup and compliance.
Example situations, not customer reviews. They show how the decision usually gets made.
Built around the Louisville air hub, with night shifts that make a traditional enrollment meeting impractical.
How we approach it: We start by sorting who is actually eligible, then price the structures that survive that answer.
Seasonal tasting-room staff alongside a small year-round core, so eligibility definitions do the heavy lifting.
How we approach it: We model the options side by side and tell you which one we would pick if it were our payroll.
Owner has run kynect numbers for his people and wants to know what the group side looks like beside them.
How we approach it: We price fully insured against level funded on the real census, and say plainly which one the roster supports.
Before comparing plans it helps to know the terrain. Here is Kentucky's.
Kentucky runs its own state-based exchange, kynect, rather than Healthcare.gov. Federal subsidy rules are identical; the storefront is what differs.
Kentucky expanded Medicaid years ago and kynect screens for it automatically, so the low-income end of the market is unusually well covered here. The hard decisions sit above the subsidy line.
The small group market in Kentucky includes Anthem Blue Cross Blue Shield of Kentucky, Humana, UnitedHealthcare, Aetna, and Baptist Health Plan. We compare what is available to a group your size rather than leading with one carrier.
Carriers file rates by rating area, which is why Louisville, Lexington, Bowling Green, and Owensboro price differently for the same roster. Your local logistics and air freight, distilling, healthcare, and automotive manufacturing employers see the same spread. Kentucky's own exchange, kynect, screens one application for both Medicaid and Marketplace subsidies, which handles the subsidized end unusually well. The off-exchange and group side never appears there.
Under 25 employees, four things matter more than plan brochures: who counts, who enrolls, what you contribute, and which funding model will even quote your headcount. Here is how each one plays out for a Kentucky group.
Full-time W-2 employees count. 1099 contractors do not. Part-time hours may or may not, depending on the carrier and state. Getting this list right is step one for any Kentucky group under 25.
Most carriers want a majority of eligible employees on the plan. Employees covered elsewhere can typically waive, and documented waivers usually come out of the denominator. We run this before quoting.
Carriers generally expect the employer to pay a meaningful share of the employee-only premium, often around half. Your contribution level also shapes participation, so we model both together.
Fully insured plans quote any Kentucky group. Level-funded plans set their own minimums. An ICHRA works at any size. We tell you which lanes are open at your headcount, then price the ones that are.
What Kentucky owners want to know before they send a census.
One short conversation is enough to price your Kentucky group properly. There is no fee and no commitment either way.
