You can still get a nationwide PPO in Kentucky, even though kynect sells only HMOs. Here is how owners paying full price for a family are handling this year's jump in Kentucky premiums.
Hi, I'm Sam Jaber. Kentucky owners, from an Owensboro body shop to a Lexington dental lab to a solo LLC in Louisville, can work through family coverage with me by phone. I'm based in Tampa and licensed in 36 states.
Imagine a Bowling Green couple who own a small manufacturing business. It has a good year, so their household earns past the point where kynect's tax credit helps, and they're paying the full price for themselves and three kids. Then the renewal arrives, priced off a market where the benchmark premium jumped by a third, and the only plans kynect offers are HMOs. That's the situation this page walks through.
kynect's 2026 shelf holds 85 individual medical plans from three companies, and each one is an HMO. A family wanting a PPO won't find one there.
You can still get a nationwide PPO in Kentucky through a private carrier, and I can arrange it for the whole household. Each person completes a short health questionnaire, the price reflects those answers, and the network reaches providers in every state, handy when a teenager plays tournaments out of state or heads off to college.
KFF tracks a benchmark for each state, the second-lowest-cost silver plan for a 40-year-old. In Kentucky that benchmark rose 33.5% from 2025 to 2026. Households that receive kynect's credit are mostly shielded, since the credit grows with the price. An owner past the credit range absorbs the whole increase, multiplied by every person on the policy.
And because kynect plans are HMOs, a family paying more is also living with the HMO rules: out-of-network care generally paid only in emergencies, and specialist visits usually coordinated through a primary care doctor.
The private route most often pays off here. A carrier reviews each family member's health and then issues the policy, declines, or issues it with one named condition written out. Healthy households regularly come in under kynect's unsubsidized family price and gain a coast-to-coast network.
Next step: Hand me the family's ages and county, and I'll place a private PPO quote next to kynect's full-price HMOs.
That person should stay on kynect even at full price, because kynect plans enroll everyone without pricing in their health. Pick the HMO whose network includes their specialist. It sometimes makes sense to cover the healthy members privately and keep one person on kynect; I'll run both versions.
Next step: Tell me that family member's doctors and prescriptions, and I'll check them against each kynect network you can buy.
If profit falls, kynect's credit may return, and in a truly lean year Kentucky's expanded Medicaid reaches adults up to 138% of the federal poverty level. And if the company grows enough to hire someone outside the family, SHOP opens up as another option to price.
Next step: When the business year looks different from the last one, call before renewal and we'll redo the comparison.
A single adult can usually live with one network and a primary care gatekeeper. A family of five has five sets of doctors, school physicals, sports injuries and, often, a specialist or two. Every one of those has to fit inside the HMO you choose, or the visit is generally on you. With only two or three kynect insurers in each county, that fit isn't guaranteed, which is a big part of why healthy Kentucky families look at the private side.
Straight answers, no sales pitch.
KFF's benchmark premium for a 40-year-old in Kentucky rose 33.5% from 2025 to 2026. Families without kynect's credit pay that increase in full.
No. All 85 individual medical plans are HMOs. A healthy family can buy a nationwide PPO privately through me.
SHOP opens only after you employ someone who isn't an owner or a relative.
Kentucky expanded Medicaid; KFF lists the adult ceiling at 138% of the federal poverty level.
I'll need the family's birthdays, your county and a ballpark of what the company cleared. With those, you'll see kynect's unsubsidized family price and a private PPO quote on one page.
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