Health Coverage Options for Kentucky: A Consumer’s Guide
Our Priority: Improve the health of Kentucky's children. Click here to learn more!
Our Priority: Assure that all Kentuckian's have access to high quality, affordable health care. Click here to learn more!
Our Priority: Improve the efficiency and effectiveness of health care for Kentuckians. Click here to learn more!
Our Priority: Make prevention a priority for Kentucky's health policies and programs. Click here to learn more!
Kentucky Voices: Promoting Better Health in the Commonwealth. A series of short videos from real Kentuckians - patients, advocates and providers - sharing their personal healthcare stories. Click here to watch videos!
Be the Change: Advocacy in Action Link to KVH YouTube Channel for training on effective advocacy

Federal Health Care Reform

News & Resources

Affordable Care Act: Obamacare & Health Reform Facts: 

Understanding the Impact of Obamacare on Medicare:

What does Marketplace health insurance cover?

Affordable Care Act: State-by-State Impact:

The Lifestyle Revolutionaries Guide to Addiction Intervention:

Executive Order: KY Health Benefit Exchange 7-17-12

Exchange Advisory Board Membership – includes two consumer representatives 7-17-12

Governor Beshear Letter to HHS re: Implementing Exchange (7-10-12)


The following is a comprehensive list of media hits generated from the KY Voices for Health statement on the SCOTUS ACA ruling. Media spoke with several representatives from KY Voices for Health and its member groups and captured the impact of this ruling on the various stakeholder groups in Kentucky. Media hits include television, radio, print and online media sources including several stories in other states (Ohio and Indiana).


ADDITIONAL MARKETS ____________________________________________________________________

KVH White Paper:
The Benefits of a Kentucky Health Insurance Exchange – A New Coverage Marketplace for Kentuckians


KVH Submits Comments on Medicaid Eligibility and Enrollment and Exchange Regulations
The final Medicaid and Exchange regulations that were published at the end of March included a few provisions that remained open for comment. KVH submitted the following comments to the US Department for Health and Human Services (HHS) last week.
Interim Final Portions of the Regulations to Establish Exchanges - CMS–9989–F (May 11)
Interim Final Regulations Relating to Medicaid Eligibility - CMS–2349–F (May 7)

MyCare: When the Affordable Care Act was signed into law two years ago on March 23, 2010, Americans began to take their health care into their own hands. MyCare is an initiative to educate Americans about new programs, benefits, and rights under the health care law. Learn more about MyCare.

Two Years Later: The Benefits of the Affordable Care Act for Kentucky - for more information, read KVH news article "Two Years Later: Health Reform's Impact on Kentuckians" and link to

No debate: Ky. children gain from health reform | Op-Ed | ____________________________________________________________________


Protecting Small Business | Read KVH Statement here
Protecting Seniors | Read KVH Statement here
Protecting Patients' Rights | Read KVH Statement here
Protecting Women | Read KVH Statement here
Protecting Children & Young Adults | Read KVH Statement here


Watch video vignettes featuring people whose lives have been improved by the Affordable Care Act | Click here


Are you looking for a speaker on health reform and how the law impacts Kentuckians? Make a request here

Where We Stand

The New Health Reform Law: What it Means for Kentuckians Image for New Health Reform Law Cover
The Patient Protection and Affordable Care Act of 2010, signed into law on March 23, 2010, will help Kentuckians from all walks of life—young and old, low and middle-income, working and unemployed—to get and keep affordable health insurance while putting safeguards in place to improve quality and contain costs. This issue brief is intended to help Kentuckians understand the new law. It provides a basic timeline of what will happen under the reforms, describes the impact on Kentucky, presents questions and answers about the new reforms, and offers sources of additional information. Click here to access the brief.

Click here to access the Health Reform Timeline.
Click hereto access the Number of Kentuckians Who Will Benefit from Health Reform, 2010-2020.


KY Department of Insurance Health Reform

Consumers can now find Consumer Rate Information at

Frequently Asked Questions for Consumers (NAIC) ____________________________________________________________________

KVH Comments on Health Insurance Exchanges

The Department of Health and Human Services (HHS) requested comment on the proposed rules to aid in the development of standards for the establishment and operation of the exchanges, to address other exchange-related provisions in the Affordable Care Act, and to inform for the awarding of grants to states to assist them in planning and developing their exchanges. Comments were due on Monday, Oct. 4. KVH submitted comments regarding areas of interest to consumers. Health reform requires the establishment of American Health Benefits Exchanges, or “exchanges,” to create regulated marketplaces where eligible consumers can buy health insurance.


Important Consumer Protections Implemented Sept 23 as a result of the new Health Reform law:

Watch: Straight Talk for Seniors on Health Reform
If you’re still not sure how health reform will affect seniors, get the facts in our Straight Talk videos. They feature Jim Firman, NCOA president and CEO, outlining how the law will impact Medicare, Medicare Advantage plans, and more. Watch the videos »


Federal Health Reform Links

Brochures & Educational Materials
Below you’ll find brochures and materials related to the implementation of the Affordable Care Act. For other brochures and resources visit:

Please contact KVH to have a speaker come present an overview on the Health Reform Law and its impact on Kentuckicans.

The Top Five Things You Need to Know

Information for Consumers and Small Businesses

Resource Links
Official government site provides information on finding insurance options, prevention, comparing care quality and understanding the new law.

CuidadodeSalud.Gov is the partner site of, and is the first website in Spanish to provide consumers with both public and private health coverage options tailored specifically for their needs in a single, easy-to-use tool.
The Office of Consumer Information and Insurance Oversight (OCIIO) recently released numerous regulations and requests for comment. It's critical for state advocates to have a voice in federal rulemaking, so we've listed these opportunities for you below.

· Status as a Grandfathered Health Plan(Deadline: August 16)

· Patient's Bill of Rights(Deadline: August 27)

· Coverage of Preventive Services(Deadline: September 17)

· Internal Claims and Appeals and External Review Processes(Deadline: September 21)

· Pre Existing Condition Insurance Plan(Deadline:September 28)

Kaiser Family Foundation Health Reform Gateway
Kaiser Family Foundation is the nations leading health care policy organization. The health care reform gateway provides basic information analysis, data, and a calculator for individuals to estimate premiums and subsidies under the new law.

Health Reform Hits Main Street by Kaiser (link to video)
Confused about how the new health reform law really works? This short, animated movie -- featuring the "YouToons" -- explains the problems with the current health care system, the changes that are happening now, and the big changes coming in 2014.
A project of the Kaiser Family Foundation, this site provides comprehensive state by state health data.

FamiliesUSA-Health Reform Central
Families USA is a national nonprofit, non-partisan organization dedicated to the achievement of high-quality, affordable health care for all Americans. Working at the national, state, and community levels, they have earned a national reputation as an effective voice for health care consumers for 25 years.

Community Catalyst
Community Catalyst is a national non-profit advocacy organization working to build the consumer and community leadership that is required to transform the American health system. State consumer advocates will play a critical role in ensuring the success of national health care reform. Community Catalyst will support advocates’ efforts to ensure the law is implemented effectively, and that consumer interests continue to be represented when new programs are established and new rules and guidelines are set.

Trust for America's Health
Trust for America's Health (TFAH) is a non-profit, non-partisan organization dedicated to saving lives by protecting the health of every community and working to make disease prevention a national priority.

National Conference of State Legislatures
Health Reform implementation information from NCLS a national organization that serves 50 state legislatures

National Governors Association- Health Reform Implementation Resource Center
The NGA is the collective voice of the nation's Governors. States play a significant role in health reform implementation as part of the new law that includes a range of state requirements and options.

Robert Wood Johnson Foundation
The Robert Wood Johnson Foundation, another leading national organization that conducts research and provides grant funding for health reform activities.

Consumers Union
Consumers Union has revamped the content on their Consumer Reports Health page and it now includes a downloadable guide called “Health Reform: The First Six Months”


Expanding Health Coverage in Kentucky: Why It Matters

This Kentucky Voices for Health issues brief provides highlights of recent research that clearly illustrates why expanding health coverage matters to Kentucky. Click here to review the brief. Issued 9/9/09



























    Tell Us Why

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    Partnership for Patients - Proud to be Partners in Better Care at Lower Costs
    Find Insurance that is Available to You, Your Family, or Your Small Business

    View Today's Headlines from Kaiser Health News

    The Kaiser Family Foundation Launches Online Health Reform Source to Explain, Analyze and Track the New Law's Implementation --READ MORE


    Uninsured Kentuckians are older, poorer, and more likely to work part-time than the average American who has no health coverage.

    The vast majority (83%) of uninsured Kentuckians are low-income workers whose jobs generally do not provide coverage.

    Kentuckians without health insurance are three times more likely to skip going to a doctor or needed medical treatment than insured Kentuckians.

    Uninsured Kentuckians are more than twice as likely as those with insurance to report having problems paying a medical bill, being contacted by a collection agency about medical bills, going without basic necessities due to medical bills, and exhausting savings to pay medical bills.

    One in three Kentuckians (34%), receives health coverage from a publicly funded source, such as Medicaid, Medicare, or the Kentucky Employees Health Plan, which covers all local school district employees and active and retired state employees.

    About half of Kentucky’s population (48%) obtains health coverage from private employers.

    It is estimated that 57.9% of all private employers in Kentucky provide health coverage to their employees, which is slightly better than the national average of 55.8%. However, only 42% of small employers in Kentucky (employing 50 or fewer employees) offer coverage.

    State researchers who estimated the cost of providing coverage to the uninsured in 2004 concluded that the benefits to society outweigh the additional costs by as much as $871 million annually.

    Nine of 10 Kentuckians (91%) surveyed in the 2008 Kentucky Health Issues Poll favored providing access to affordable, quality health care to all Americans.

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