1. Knowledge Base
  2. › 
  3. State Rules
  4. Kentucky

In Kentucky, How Does COBRA Insurance Work?

To protect Kentuckians whose fully-insured work health insurance plans are not covered by The Consolidated Omnibus Reconciliation Act of 1985 (COBRA), the state enacted legislation that provides a similar chance for group coverage continuation.

If your employer has fewer than 20 employees and your organization has a fully-insured plan, you may be qualified under the rules of this statute. Your employer will be able to tell you whether your group’s plan is self-funded or fully insured.

COBRA Eligibility

Kentucky Allows

COBRA Alternative:
Save Up To 70%

Term Health Insurance
Starting At
Covers An Insurance Gap
Until Your Next Work Health Plan Starts

Get A Quote, Enroll Online
Shop Plans

Call us

*Based on age and state availability

Continuing Health Insurance Coverage In Kentucky

Please choose:

No Pre-Existing Conditions
Term Medical Gap Coverage

Available in some states, as low as $44/month

Coverage For
Pre-Existing Conditions

$400 – 700/month per individual

Nearing Retirement Age

Learn about Medicare Advantage

Kentucky Mini-COBRA Law

The Kentucky Mini-COBRA law allows eligible individuals to continue their group health coverage for a limited period of time after a qualifying event, such as termination or reduction of hours. On average, the cost of Mini-COBRA coverage is the full cost of the coverage plus a 2% administrative fee, which is usually paid by the covered individual. The amount can vary depending on the type and level of coverage, as well as the number of individuals enrolled.

Under the Kentucky Mini-COBRA law, eligible individuals can continue their coverage for up to 9 months after the qualifying event. During this time, they have access to the same benefits and services as they did under their previous employer’s group health plan. It is important to note that Mini-COBRA coverage is temporary and may not be renewed after the 9-month period has ended. Individuals who need longer-term health coverage may need to explore other options, such as individual health insurance or enrollment in a new employer’s health plan.

Source: State Of Kentucky Continuation Of Coverage Law

Was this answer helpful?

Share this article:

teladoc logo

Retiring Soon? Begin here

If you aren't sure about your Medicare timelines or what Parts you need, contact us.

We provide expert guidance to help you navigate through Medicare and its supplements, ensuring you make the best decisions for your healthcare needs.

Visit MedicareOne

Health Insurance For Pre-Existing Conditions In Kentucky

In Kentucky, continuing your workplace health insurance through Mini-COBRA can be a wise choice if you frequently use medical services or take prescription drugs. The plan remains the same, so you will not have to restart your deductibles. The coverage will simply resume from the date it ended.

Apply For COBRA In Kentucky

Employer Has 20+ Employees

You may continue your most recent work health insurance for up to 18 months as an employee. Family members may access the plan for up to 36 months.

You sign up for COBRA with your former employer or their third party. The premium will be $400 – 700 / month, per insured person.

Kentucky Mini-COBRA

To be eligible for Kentucky Mini-COBRA coverage, an individual must meet the following criteria:

  • They must have been covered under a group health plan offered by their employer
  • They must have experienced a qualifying event, such as termination of employment or reduction of hours
  • They must notify their former employer within 60 days of the qualifying event
  • They must elect to continue their coverage under the Mini-COBRA law
  • They must be a resident of Kentucky or have their primary place of employment in Kentucky at the time of the qualifying event.

Marketplace / Obamacare

A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.

According to the Kaiser Family Foundation, the average marketplace health plan in Kentucky was $417/month in 2023.

View Affordable Care Act Plans

Kentucky Allows Gap Insurance Coverage While Between Jobs

In Kentucky, you can bridge insurance gaps between jobs with a private short-term health insurance plan. This coverage offers major medical benefits for new illnesses and accidents.

Short Term Medical Insurance

New Illnesses & Injury Coverage

Flex term short term medical insurance

Plans begin at $80/month.
Based on age and state availability

The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness.

Coverage begins as early as midnight tonight.

Accident Only Insurance with Telehealth

Coverage begins as early as midnight tonight.

Pre-existing Conditions Do Not Exclude You From Accident Only Coverage

Plans start at $44/month.
Based on age and state availability

Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.

Includes Telehealth – Access to prescribing  doctors for common issues

Limited Indemnity with Telehealth

Includes Telehealth giving you access to prescribing doctors for common issues.

Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.

Coverage begins as early as midnight tonight.


After your workplace insurance ends, you’ll sign up for Medicare within 8 months.

In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.

Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.

COBRA Is Available in All 50 States

Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.

Are You Eligible For COBRA?

Take Our Survey