About Us

We are a member-governed organization, making health insurance available for all Kentuckians.


Kentucky Health Cooperative, Inc. will be a member-governed organization dedicated to making health insurance available for all Kentuckians – individuals and families and small employer groups. We will embrace an innovative, quality-focused clinical model that keeps health care local, affordable, and available.

As a member-governed nonprofit organization, surplus revenues will be used solely for improving member health benefits, reducing health premium levels for members, or for other programs intended to improve the quality of health care delivered to members.

​​​​​​​​​​​Our Mission

Kentucky Health Cooperative exists to promote community health and well-being by engaging the members and providers it serves in the valued delivery of quality coverage of integrated health care services.

The organization’s mission encompasses outreach to all eligible individuals and groups with a particular focus on population segments previously ignored by other health insurers. Commonly known as the working uninsured, Kentucky Health Cooperative will seek to help those individuals who need health insurance coverage, but are not eligible for public assistance in other forms. As Kentucky Health Cooperative will operate as a statewide organization, it will devote equal effort to promote coverage of individuals and small groups in rural as well as urban settings.

We are a Health Insurance Consumer Operated and Oriented Plan (CO-OP)

Consumer Operated and Oriented Plans (CO-OPs) such as Kentucky Health Cooperative, Inc. are nonprofit organizations that will be governed by their members that provide health insurance coverage for them.

Based in Louisville, Kentucky Health Cooperative will offer service across Kentucky, from Paducah to Pikeville, Albany to Ashland. We are pleased to be one of the issuers granted the Commonwealth’s Department of Insurance approval to offer health insurance policies on kynect beginning October 1, 2013. Kentucky Health Cooperative will operate according to guidelines set forth in federal regulations and those established by the Kentucky Department of Insurance.

With passage of the Patient Protection and Affordable Care Act in 2010, Kentucky Health Cooperative is pursuing its goal of securing access to high quality, inexpensive health insurance for the sizeable number of uninsured Kentuckians and persons working for small companies.

We're Different

Kentucky Health Cooperative offers a revolutionary new model for health insurance in Kentucky. Here are some ways in which Kentucky Health Cooperative, a nonprofit health insurance provider, is different:

  • The organization answers to policyholders, not shareholders.
  • Everything Kentucky Health Cooperative does is for members’ collective benefit.
  • Fair access to quality and comprehensive care are provided by Kentucky Health Cooperative.

Clinical Approach​

Kentucky Health Cooperative is based on a patient-centered model, which promotes a high level of communication between you and your doctor. So, nothing gets between you and the best possible care.

Other highlights of our clinical approach

  • Kentucky Health Cooperative offers coverage based on the well-being of its members rather than focusing on the costs of their treatment.
  • Kentucky Health Cooperative offers members with special health care needs personalized assistance and consultation on health issues.
  • Overall wellness is emphasized. So is treating the member’s conditions.