You can still get a nationwide PPO in Kentucky, even though kynect sells only HMOs. Here is how investors whose paper income hovers near Kentucky's Medicaid line keep their coverage straight through the year.
Hi, I'm Sam Jaber. From Tampa, licensed in 36 states, I help Kentucky landlords and property managers, whether your rentals are near UK's campus, in Louisville's Highlands or around Bowling Green, set up coverage by phone.
Consider a retired teacher in Richmond who owns six rental houses. In a typical year, after the furnace replacements, the property manager's cut, mortgage interest and depreciation, her taxable rental income is modest. In some years it's low enough for Kentucky Medicaid; in others, a little higher, and kynect's credit applies instead; in a sale year, it jumps past both. She's not unusual, and getting the switches right is where this page focuses.
On kynect, the 2026 menu is 85 individual medical plans, every one an HMO, from three insurers. If she wants a PPO, kynect can't sell her one.
You can still get a nationwide PPO in Kentucky privately, and I'm the one who sets it up. It's priced on her health after a questionnaire and follows her anywhere, which matters for an investor with a lake cabin in Tennessee or grandchildren in Indiana.
Marketplace savings count what her rentals net, plus most IRA and 401(k) withdrawals. Since rentals generally go on Schedule E, upkeep, management fees, loan interest and depreciation all come off before that figure is set, which is why two investors with identical rents can report very different incomes.
Kentucky's Medicaid expansion reaches adults up to 138% of the federal poverty level, per KFF. Under that ceiling, Medicaid may be her coverage; over it, kynect's credit takes over. For any month she's eligible for Medicaid, she generally can't also take the credit.
Medicaid may be the right coverage for this stretch. Apply once your estimate supports it, then keep an eye on anything that could lift the year.
Next step: When your preparer can ballpark the year, get in touch and we'll test it against the ceiling and plan the switch if income rises.
A kynect HMO with the credit is normally her least expensive option. Because HMOs generally pay out of network only for emergencies, she should confirm her doctors are in whichever network she chooses.
Next step: Share your rents, expenses and doctors, and I'll point you to the kynect network that fits.
The gain from a sale can push the year well past the credit range. A healthy household then has good reason to price a private PPO, which the carrier approves, declines, or approves with an exclusion after reviewing health answers. Anyone in the household with ongoing medical needs is still better served on kynect, at any income.
Next step: A month or two before a closing, call me and I'll compare a private PPO with kynect's unsubsidized HMOs for that year.
In a state that never expanded Medicaid, an investor whose paper income dips too low can be left with no help at all. Kentucky is different: the expansion means a lean rental year often has a real coverage path. The flip side is that you have to manage the switches, because Medicaid and kynect's credit don't run at the same time. Handled well, those switches are routine. Ignored, they can leave you on the wrong coverage for months, or owing money when you file.
Straight answers, no sales pitch.
If household income for the year lands at or under the 138%-of-poverty ceiling KFF lists, possibly, and applications are open all year.
Yes. What your rentals net after expenses like repairs and depreciation counts toward household income.
No. kynect sells only HMOs. An investor in good health can buy a nationwide PPO privately through me.
That's for your preparer. The self-employed deduction runs off business profit, while rentals are usually reported on their own schedule, so it depends on your setup.
Send me a rough Schedule E projection, anything you might sell, your county and who's on the plan. I'll map out which coverage fits each stretch of your year.
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