Kentucky
Cheapest ACA plans in Covington, Kentucky for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Covington is in Kenton County, Kentucky. 2 carriers sell 2026 ACA plans on kynect for residents of Kenton County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $497/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Kenton County, including Covington.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Covington (Kenton County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Kenton County |
|---|---|---|
| Catastrophic | $472 | 2 |
| Bronze | $497 | 2 |
| Expanded Bronze | $534 | 16 |
| Silver | $602 | 16 |
| Gold | $759 | 6 |
The actual cheapest Bronze plan in Covington
Anthem Health Plans of Kentucky, Inc. Anthem Bronze Pathway X Transition 10600 ($0 Virtual PCP + $0 Select Drugs + Incentives)
$497/moFor a family of four (two 40-year-olds and two kids under 14): Anthem Health Plans of Kentucky, Inc. Anthem Bronze Pathway X Transition 10600 ($0 Virtual PCP + $0 Select Drugs + Incentives) at $1,589/month before subsidies.
Carriers selling 2026 plans in Covington
2 carriers sell 2026 plans on kynect for Kenton County residents. 60 plans total in Kenton County.
| Carrier | On-exchange plans |
|---|---|
| Anthem Health Plans of Kentucky, Inc. | 26 |
| WellCare Health Plans of Kentucky | 16 |
What you'll actually pay in Covington
Estimated monthly net premium for the cheapest Bronze plan above ($497/mo before subsidy) on kynect, after federal APTC. APTC is computed against the Kenton Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $541/mo | $0/mo |
| $40,000 | 256% | $351/mo | $146/mo |
| $60,000 | 383% | $140/mo | $357/mo |
| $100,000 | 639% | — | $497/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $1,479/mo | $110/mo |
| $130,000 | 404% | — | $1,589/mo |
| $200,000 | 622% | — | $1,589/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Covington, Kentucky for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Anthem Health Plans of Kentucky, Inc. Anthem Bronze Pathway X Transition 10600 ($0 Virtual PCP + $0 Select Drugs + Incentives) at $497 per month before subsidies. Plans sell through kynect. Covington is in Kenton County, Kentucky; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Covington's 2026 ACA pricing compare to other Kentucky cities?
Cheapest Bronze for a 40-year-old in Covington is $497 per month before subsidies. For comparison: Louisville at $451/mo; Lexington at $449/mo; Bowling Green at $502/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Is Kentucky on Healthcare.gov?
No. Kentucky runs its own state-based exchange, kynect. kynect was originally launched in 2014, discontinued in 2016 when the state moved to Healthcare.gov, and relaunched as a full SBE for PY2022. Healthcare.gov no longer serves Kentucky.
Has Kentucky expanded Medicaid?
Yes, effective January 1, 2014. Kentucky was among the first-wave expansion states and saw one of the largest declines in its uninsured rate post-ACA. Adults 19-64 with income up to 138% FPL qualify regardless of parental status or disability, so there is no coverage gap in Kentucky.
What is the history of kynect?
Kentucky originally launched kynect in 2014 under Gov. Steve Beshear as a state-based exchange. Gov. Matt Bevin discontinued kynect in 2016 and moved the state to Healthcare.gov. Gov. Andy Beshear (Steve Beshear’s son) then relaunched kynect as a full SBE for PY2022, and it has operated as an SBE since.
More Kentucky pricing
- Statewide Kentucky pricing and metal tiers
- Louisville pricingcheapest Bronze $451/mo
- Lexington pricingcheapest Bronze $449/mo
- Bowling Green pricingcheapest Bronze $502/mo
Sources
- kynect for SBE enrollment, OEP dates, and APTC application.
- Kentucky Department of Insurance for rate review, carrier filings, and consumer guidance.
- Kentucky Cabinet for Health and Family Services: Medicaid for Medicaid eligibility and expansion enrollment.
- KFF: Kentucky State Health Facts for Medicaid expansion, enrollment, and benchmark premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.