Welcome to the Kentucky Health Benefit Exchange

Get Help In-Person. Click Below to get help from people in Kentucky trained to help you enroll in health insurance plans, Medicaid and KCHIP.

Are you a Small Business Employer or Employee?
Click here to get information about SHOP coverage options.

Healthcare coverage should not be work.

Welcome Small Business Employers and Employees

Manage your existing 2016 plan

Employers
Click Here

Employees
Click Here

If your group's plan year started in Kentucky Health Benefit Exchange SHOP in 2016, it will remain in Kentucky Health Benefit Exchange SHOP for the entire 12-month period of coverage. For example, if your group's coverage effective date is August 1, 2016, your group's coverage will end on Kentucky Health Benefit Exchange SHOP on July 31, 2017. At that point, the group could enroll on healthcare.gov for 2017 coverage.

It’s easy to apply yourself or find an Insurance Agent to help with your application. To find one, click here

Explore SHOP Plans on HealthCare.gov

Employers
Click Here

Employees
Click Here

New enrollments for SHOP will use healthcare.gov to sign up to get the savings and selection for Small Business Health Options Program or SHOP.

You can call the SHOP Call Center at 1-800-706-7893 (TTY: 711) weekdays from 9 a.m. to 7 p.m. ET. Agents and brokers selling SHOP Marketplace coverage, and employees with an offer of SHOP Marketplace coverage, can use this number too.

The KHBE helps individuals and small businesses connect to resources for health insurance coverage. Here you can find out about eligibility, benefits, and find help with applying.

Use our pre-screening tool to see where you should start your application.

benefind allows Kentucky's families to easily access public assistance benefits and information 24/7 through an online application and account. Get information about Medicaid, KCHIP, SNAP, KTAP and other state programs.

is for people who are not qualified for Medicaid, and you may get a tax credit to help you pay for coverage, and other discounts.

Visit HealthCare.gov to apply, get more information, or use the many tools available to see: if you qualify, plan prices, and much more.

To get Help On Demand for HealthCare.gov from a licensed agent, Click Here

Free, in-person help is available from Insurance Agents and Application Assisters across the state. Find someone near where you work or live.

One monthly bill even if you use multiple insurance companies

Welcome Small Employers

There is a new way to SHOP. The Small Business Health Options Program, or SHOP, makes it easier for employers with 50 or fewer workers to provide employee health insurance. Employers decide plans, dates and more. SHOP handles many of the details and billing for you. SHOP will help you set the enrollment period that is right for your business.

Compare plans by what you pay or what services are covered. You can select a plan from one insurance company or several plans from many insurance companies. It is easy to apply or to find an insurance agent to help you. They will start your application for you.

Tax credits may be available for businesses with 25 or fewer full-time equivalent employees.

To qualify for tax credits, businesses meet three rules:

Have 25 or fewer full-time equivalent employees.
Pay at least 50 percent of employee premiums.
Have a group average yearly wage less than $50,000.

New enrollments for SHOP will use healthcare.gov to sign up to get the savings and selection for Small Business Health Options Program or SHOP. Click the link Let's Get Started and start your application today.

Welcome Insurance Agents

For information on how to help clients get health insurance plans, premium tax credits and cost-sharing reductions, please visit FFM Training Information. Upon certification by the federal marketplace, you must send your certificate of completion to KHBE in order to be listed in our insurance agent search tool.

To enroll individuals in Medicaid or KCHIP, insurance agents will need to complete the KHBE Medicaid Training for the benefind portal. A certificate of completion will need to be sent to KHBE. It is not mandatory for agents to do Medicaid enrollments.

To find a trained agent close to you, click here.

Find a plan and add it to your shopping cart.

Welcome Small Business Employees

Choosing healthcare coverage is easy for employees of companies with 50 or fewer workers. You can view a summary of the plans offered by your employer. And, you can select a plan, enroll and manage your account online or by phone.

Select the one you want, add it to your shopping cart, and check out. It is that simple. Your employer can tell you if you are enrolled through SHOP. You will also be able to get help as you complete your application from Customer Service at 1-855-459-6328.

Compare plans side by side or see just one plan in detail. Compare by how much your Employer pays toward your insurance bill, the annual deductible or participating doctors, hospitals and clinics.

Get informed about filing your taxes.

General Information

If you or a member of your family received advanced payments of the premium tax credit, you must file a tax return.

Failing to file a tax return may prevent you from receiving a tax credit (or APTC) in future years.

You can get answers to your questions from your tax preparer, your accountant or the IRS. To reach the IRS help service, go online to irs.gov/aca or call the IRS toll free at 1-800-829-1040.

“IRS Form 1095-A for tax years 2014 through 2016 were issued by the Kentucky Health Benefit Exchange. If you have questions about forms for these years, please call Health Benefit Exchange at 1-844-373-2417. HealthCare.gov cannot help with 1095 Forms for years prior to 2017.”

You will need the information on your form 1095-A to file taxes-even if you usually don’t file or your income is below the level requiring you to. Do not attach your 1095-A to your return. Keep it for your records with other important documents.

Use the information from your 1095-A to fill out Form 8962.

Form 8962 is sent with your tax return to “reconcile” your premium tax credit. That means to compare the amount you used with the actual premium tax credit you qualify for based on your final income amount. If there is a difference, it will affect the amount of your refund or your tax bill

If you did not use APTC but want to see if you qualify for a premium tax credit based on your final income amount, follow the steps below:

Use the Health Coverage Tax Tool to find the premium for the second lowest cost Silver plan (SLCSP) that applied to you for the year. (If you paid full price, this information will be missing from your 1095-A.)

Use this figure to fill out Form 8962, Premium Tax Credit (PDF). When you're done, you'll find out if you qualify for a premium tax credit based on your final income amount.

If you qualify for a premium tax credit, you must complete Form 8962 and attach it to your federal income tax return.

Your credit will either increase your refund or reduce your tax bill

If you have a question about the information shown on your Form 1095-A, or about receiving Form 1095-A, call 1-844-373-2417. If you have a question about other tax filing issues, call the IRS at 1-800-829-1040.

General Information

Form 1095 is a tax form just like a W-2. In general, Form 1095s report the type of health coverage you had and what months you had it. You will need Form 1095 in order to complete your Federal tax return.

Form 1095-A is for individuals who received payment assistance (APTC) to lower the cost of their health insurance. It reports the APTC you received, as well as the months you had coverage. You will use Form 1095-A to fill out IRS Form 8962. Form 8962 may be part of your Federal tax filing.

If you receive APTC, you must file a tax return. Your tax return is how the IRS knows you received the correct amount of payment assistance. If you got advanced payments to help to lower your insurance bill each month or APTC, and you do not file a tax return, you will not be able to get advanced payments next year. You may still be eligible for payment assistance but you will have to wait until you file your taxes to receive it.

You can also get answers to your questions from your tax preparer, your accountant or the IRS. To reach the IRS help service, go online to irs.gov/aca or call the IRS toll free at 1-800-829-1040.

Kentuckians have access to nearly 200 free tax preparation sites across the state where trained and IRS-certified volunteers will help you with your taxes. For more information on Volunteer Income Tax Assistance (VITA), go to assistance.ky.gov or call Community Action Kentucky at 1-800-456-3452.

For more information please visit HealthCare.gov and see Tax Information Topics

Kentucky Health Benefit Exchange has tools to help you get the information you need. Select a tool and click 'Get Tax Details':

Benchmark Tool: Look up the Second Lowest Cost Silver Plan (SLCSP) to help you determine your Premium Tax Credit (for Form 8962)

Exemption Tool: Look up the Lowest Cost Bronze Plan (LCBP) to help determine your eligibility for an exemption (for Form 8965)

Welcome to assisters

As an assister, you have a key role in your community. You can be an important resource for individuals needing healthcare coverage. Through your role, you educate, enroll and break down barriers to your neighbors getting access to healthcare.

Assisters are individuals or organizations trained and able to help consumers, small businesses and their employees as they look for health coverage options through the Marketplace. This includes completing eligibility and enrollment forms. As an assister, you are required to be unbiased. And, your services are free to consumers.

If you are interested in becoming an assister in Kentucky, Click Here for more information on the registration and training required to become an assister.

For information on how to help clients apply for health insurance coverage through a Qualified Health Plan on Healthcare.gov, Advance Premium Tax Credits (APTC), and Extra Savings through Cost-Sharing Reductions (CSR), please Click Here . Upon registration with the Federal Marketplace please send your certificate of completion to KHBE.

To enroll individuals in Kentucky, assisters will need to register and complete the KHBE Medicaid Training.

To find a trained assister close to you, click here.

Failing to file a tax return may prevent you from receiving a tax credit (or APTC) in future years.

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