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There is no guaranteed issue for health insurance policies sold within the state and insurance companies have the right to reject any health insurance applications on the basis of pre-existing medical condition or unhealthy lifestyle.

Under state law, insurance providers may impose an exclusion period of up to 12 months before providing coverage for pre-existing coverage and a six-month look back clause may also be imposed. However, insurance providers are not allowed to add elimination rider which states that certain conditions or body parts are not to be included in the coverage. Though insurance providers are allowed to impose higher premium rates for people with identified health concerns, this increase in premiums are also regulated not to exceed 35% of the standard rate. The state also required the sale of standard health insurance plans, such as health maintenance organization plans, preferred provider plans, or indemnity plans. For those who are planning to purchase individual health insurance policies, considerations on several factors should be done before deciding on which type of product to purchase. It would be good for a consumer to exercise and live a healthy lifestyle for some time before availing of life insurance policies. This is because those identified for be of high health-related risk would be offered with higher premium compared to those who are expected to live longer and in healthier ways. Personal credit history would also be taken into consideration, as insurance providers may ask for applicants to submit credit history report to ascertain if they have enough financial resources to pay the monthly premiums. And lastly, consumers should evaluate the necessity of purchasing health insurance premiums, with those having a family with small children classified to reap the most of benefits offered by health insurance policies. People who are middle aged should also contemplate getting health insurance policies that they can use when they get older and would likely get diagnosed with diseases and illnesses.

Just like in most states, small business groups cannot be denied of health insurance coverage by insurance providers. By definition, small business groups are companies having 50 or less employees. Though the mentioned exclusion and look back periods are still enforced, small group health plans are also guaranteed of renewal and may not be cancelled due to changes in the health of the employees. However, the state allows insurance providers to raise its premiums upon renewal should they deem it necessary.

Retiring employees and those who stand to lose their jobs through resignation can also take advantage of the Federal Consolidated Omnibus Budget Reconciliation Act (COBRA) which allows them to continue their group health coverage though they must now pay the part of the premium that was formerly shouldered by their employer. This extension period may last to a maximum of 18 months.

The state of Kentucky also has its own similar continuation of coverage law designed for those who are deemed not qualified under COBRA. Those who are eligible for Medicare or other group health plan coverage are automatically disqualified from availing of the state continuation of coverage law.