Kentuckians who get health insurance through the state’s Kynect marketplace are going to see higher out-of-pocket costs for health insurance in 2026.

Health insurance companies are raising premiums while a more generous federal tax credit expires. Higher costs and less aid means Kentuckians will be left to pay the difference.

With varying premium costs and a tax credit that’s applied on a sliding scale, it’s hard to say exactly how much the changes will cost families. Kentucky Public Radio analyzed publicly available data from the state’s health insurance marketplace to better understand the impacts on Kentuckians’ budgets.

Kentucky Public Radio wrote a computer program to gather and analyze insurance quotes for five very different hypothetical families. Across every county, we compared

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