Medicare Supplement Plans Kentucky 2027: 35 Companies, the Birthday Rule and Under-65 Rights
Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026
Medicare Supplement plans in Kentucky are sold by 35 companies in the Kentucky Department of Insurance’s 2026 guide, and every one of them offers Plan G and Plan N. Kentucky also gives current Medigap members a 60-day window starting on their birthday each year to buy the same plan from a different company with no health questions, and it lets people under 65 on Medicare buy any plan sold in the state.
2027 by the Numbers
35
companies listed in the Kentucky Department of Insurance 2026 Medicare Supplement Guide (all offer Plans G and N)
13 of 35
offer high-deductible Plan G (our count of the 2026 KY guide)
60 days
Kentucky birthday-rule window, starting on your birthday (in effect since January 1, 2024)
$3,050
2027 high-deductible Plan G deductible (CMS)
Kentucky’s Department of Insurance publishes a yearly Medicare Supplement Guide that lists every company approved to sell Medigap in the state and the plan letters each one offers. We went through the 2026 edition line by line and counted what is really available, so you can see where you have plenty of choice and where you have almost none.
Below you will find that count, Kentucky’s two big consumer rules from House Bill 345, and a recent rate increase worth knowing about. If you are new to how the plan letters differ, our Medicare Supplement plans 2027 overview is a good first stop.
Compare 2027 Kentucky Medigap Rates
What We Counted in Kentucky's 2026 Medigap Guide
The guide lists 35 companies. Plan letters are standard, so a Plan G from one company pays the same as a Plan G from any other. What changes is how many companies you can shop for each letter. Here is our tally.
| Plan letter | Companies offering it in Kentucky | Who can buy it |
|---|---|---|
| Plan G | 35 of 35 | Anyone with Part A and Part B |
| Plan N | 35 of 35 | Anyone with Part A and Part B |
| Plan A | 35 of 35 | Anyone with Part A and Part B |
| High-deductible Plan G | 13 of 35 | Anyone with Part A and Part B |
| Plan F | 35 of 35 | Only if first eligible for Medicare before 2020 |
| Plan B / C / D | 5 / 6 / 4 | C only if eligible before 2020 |
| Plans K and L | 2 each | Anyone with Part A and Part B |
| Plan M | 1 | Anyone with Part A and Part B |
Our count of the Kentucky Department of Insurance 2026 Medicare Supplement Guide. Availability can vary by county; confirm with the company.
What this means: If you want Plan G or Plan N, Kentucky gives you a long list of companies to price against each other. If you want a cost-sharing plan like K or L, you have only two choices, so those plans are hard to shop.
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Plan G, Plan N or High-Deductible G for a Kentuckian in 2027
Because all 35 companies sell Plan G and Plan N, most Kentucky buyers end up deciding between those two. High-deductible Plan G is the budget option, but only 13 companies offer it.
Plan G. Pays everything Original Medicare leaves except the Part B deductible, projected at $292 in 2027. Best if you want predictable bills.
Plan N. Lower premium. You pay the Part B deductible, up to $20 for some office visits and up to $50 for ER visits that do not lead to admission. Excess charges are not covered.
High-deductible Plan G. You pay the first $3,050 of covered costs in 2027, then the plan pays like Plan G. The premium is usually much lower.
Run the numbers for your own situation on our Plan G 2027 and Plan N pages.
Under 65 on Medicare in Kentucky: Every Plan, No Waiting Period
House Bill 345, passed in 2023 and in effect since January 1, 2024, made Kentucky one of the stronger states for people under 65 who have Medicare because of a disability or another non-age reason.
Every plan, not just one. Companies must make all Medicare Supplement policies they sell in Kentucky available to people under 65 who qualify.
Six months to apply. Your window starts the first day of the month you are enrolled in Part B.
Price limit. You cannot be charged more than the policy’s weighted average rate for people 65 and older.
No waiting period. These policies cannot include a waiting period or a pre-existing condition exclusion.
The Department of Insurance notes that people who buy under 65 still get the regular six-month open enrollment when they turn 65, so some Kentuckians get two open enrollment periods in their lifetime.
Kentucky's Birthday Rule: Same Plan, Different Company
The same 2023 law created Kentucky’s birthday rule. If you already own a Medicare Supplement policy, you can apply within 60 days starting on your birthday, and the new company cannot deny you or charge more because of your health or claims history. Two strings are attached.
It must be the same plan letter. Plan G can move to Plan G, Plan N to Plan N. Switching from N to G is not protected.
It must be a different company. The protection applies to an insurer other than the one that issued your current policy.
Apply inside the 60 days. Line up the new policy’s start date before you cancel the old one, so you are never without coverage.
Broker tip: Because the window only protects the same plan letter, the plan you pick at 65 matters for years. Many people choose Plan G partly so they can keep re-shopping it every birthday.
Rate Increases: Why Kentucky Shoppers Re-Check Every Year
The Department of Insurance does not set prices, but every rate and rate increase must be approved before a company can use it. Increases still happen, sometimes sharply.
| Example | What happened | Source |
|---|---|---|
| Humana 2010-standard Plans A, F, G and N, age 65+ | 29.0% increase as of September 1, 2026 | Humana broker rate notice, September 2026 |
| Humana high-deductible Plan G, age 65+ | 8.0% increase as of September 1, 2026 | Humana broker rate notice, September 2026 |
Shown as a real Kentucky example of how much one company’s renewal can move in a single year, not as a prediction for other companies.
A jump like that is exactly what the birthday rule is for. If your renewal notice shows a big increase, compare the same plan letter with other companies before your 60-day window closes.
Kentucky Companies to Compare and How to Get Real Prices
The 2026 guide does not print premiums. It tells shoppers to get rates from the companies or an agent. The Department also has an online premium comparison tool where you enter your age, gender, ZIP code prefix and tobacco use to see yearly premiums by company.
HealthSpring. Listed as HealthSpring National Health Insurance Company, the former Cigna Medicare Supplement business now owned by HCSC.
Aetna. Listed as Aetna Health and Life Insurance Company.
Medico (Wellabe). Listed as Medico Corp Life Insurance Company, part of the Wellabe group.
Mutual of Omaha and Humana. Mutual of Omaha sells through United World Life Insurance Company; Humana through CHA HMO, Inc.
Kentucky also gives you a 30-day free look to return a new policy for a full refund. Always pay by check made out to the insurance company, never to the agent and never in cash. Compare all your options on our compare Medicare Supplement plans 2027 page.
Bottom Line
Kentucky gives you lots of choice for Plan G and Plan N, strong rights if you are under 65, and a yearly birthday window to move the same plan to a cheaper company. Pick your plan letter carefully, then use your birthday every year to check whether another company’s price has become lower.
Get 2027 Kentucky Medicare Supplement prices for your ZIP code
Kentucky Medicare Supplement Plans 2027 — Frequently Asked Questions
➤ How many companies sell Medicare Supplement plans in Kentucky?
The Kentucky Department of Insurance’s 2026 Medicare Supplement Guide lists 35 companies, and all 35 offer Plan G and Plan N. Not every company sells in every county, so confirm with the company.
➤ Can I use Kentucky’s birthday rule to stay with my current company but get a lower price?
No. The birthday rule protects you when you apply to a different insurance company for the same plan letter. Your current company can still offer changes, but that move is not covered by the rule.
➤ Does the Kentucky birthday window start on my birthday?
Yes. The Department of Insurance describes it as a 60-day period beginning on your birthday. It has applied since January 1, 2024.
➤ I am 60 and on Medicare for a disability. What can I buy in Kentucky?
Kentucky requires companies to make every Medigap policy they sell in the state available to you, with no waiting period, if you apply within six months of enrolling in Part B. Your price cannot exceed the policy’s weighted average rate for people 65 and older.
➤ Why is high-deductible Plan G harder to find in Kentucky?
Only 13 of the 35 companies in the 2026 state guide offer it. You still have choices, just fewer than for regular Plan G or Plan N.
➤ Does the Kentucky Department of Insurance tell me which company is best?
No. The Department approves rates but does not rate or recommend companies. Its guide suggests comparing prices, rate history and service yourself or with an agent.
➤ How long can a Kentucky Medigap policy make me wait for a pre-existing condition?
Kentucky caps the look-back and waiting period at six months. Many people have no waiting period at all because they buy during open enrollment or have prior coverage.
➤ What happens to my Kentucky Medigap plan in 2027 if Medicare costs rise?
Plan letters stay the same, so Plan G still pays the Part A deductible, projected at $1,788 for 2027. You still pay the Part B premium, projected at $209.50 a month, and companies may file new rates.
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