Kentucky's kynect marketplace offers HMOs, but I can still help you get a nationwide PPO. If you're an investor whose reported income stays close to the state's Medicaid threshold, here's how to handle coverage changes throughout the year.
Hi, I'm Sam Jaber. I hold insurance licenses in 36 states and help Kentucky property owners get covered over the phone. Whether you rent homes around UK's campus, Louisville's Highlands or Bowling Green, we can handle it together.
Picture a retired schoolteacher in Richmond with six rental properties. Most years, her taxable rental earnings stay fairly low once she deducts depreciation, mortgage interest, management charges and replacement furnaces. Some years, that puts her within Kentucky Medicaid's income limit. Other years, she earns enough to qualify for kynect's premium credit instead. Selling a property can send her income beyond both programs. This happens to plenty of landlords, and this page explains how to handle those transitions without getting coverage wrong.
For 2026, kynect lists 85 individual health plans offered by three insurers. They're all HMOs, meaning she cannot purchase a PPO through kynect.
I can arrange a private nationwide PPO for her in Kentucky. She answers health questions that determine the price, and the network travels with her. That's valuable when she visits grandchildren in Indiana or spends time at her Tennessee lake cabin.
When calculating marketplace savings, her net rental earnings count alongside most withdrawals from IRAs and 401(k)s. Rental activity normally appears on Schedule E, where depreciation, mortgage interest, management costs and maintenance reduce the income reported. That's how landlords collecting the same rent can end up showing very different household incomes.
According to KFF, Kentucky's expanded Medicaid program covers qualifying adults earning up to 138% of the federal poverty level. Below that limit, she may qualify for Medicaid. Above it, kynect's premium credit may apply. Generally, she cannot receive that credit for months when she's Medicaid-eligible.
For now, Medicaid could make the most sense. Once your income projection shows you're eligible, submit the application and watch for changes that might increase your annual earnings.
Next step: Once your preparer has a reasonable annual estimate, call me. We'll compare it with the Medicaid threshold and prepare for a coverage change if earnings increase.
Her most affordable choice will generally be a kynect HMO using the premium credit. Since HMOs typically cover non-network treatment only during emergencies, she needs to verify that her preferred physicians participate before enrolling.
Next step: Give me your rental income, property expenses and doctors' names. I'll help identify a kynect network that works for you.
Selling a property may generate enough profit to take her income beyond premium credit eligibility. For a healthy household, that's a good time to compare private PPO pricing. The insurer examines medical questionnaire answers and may approve coverage, reject the application or approve it with a condition excluded. If anyone in the family has an ongoing medical issue, don't automatically rule out private coverage. Tell me the details, because eligibility depends on the condition.
Next step: Give me a call one or two months ahead of closing. I'll put private PPO pricing alongside kynect's HMOs without subsidies for that year.
In states without Medicaid expansion, rental investors can earn so little on paper that they qualify for neither program. Kentucky offers another path. Its expanded Medicaid program can provide coverage during a difficult rental year. But you need to track when your eligibility changes, since Medicaid and kynect's premium credit generally cannot overlap. Manage those transitions properly and they're straightforward. Miss them, and you could spend months enrolled in unsuitable coverage or face a repayment when filing taxes.
Straight answers, no sales pitch.
You may qualify if your annual household income is no higher than the 138% federal poverty threshold reported by KFF. Applications are accepted throughout the year.
Yes. Your rental profits count toward household income after allowable costs, including depreciation and property repairs, are deducted.
No. kynect's offerings are exclusively HMOs. If you're healthy, I can help you purchase a private nationwide PPO in Kentucky.
Let your tax preparer answer that. The self-employed insurance deduction is based on business earnings, while rental income is normally reported separately. Your income arrangement determines the result.
Give me your county, everyone who needs coverage, an approximate Schedule E forecast and any planned property sales. I'll help you figure out the right coverage for each part of the year.
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