Kentucky Health Cooperative

About Us

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

As a member-governed nonprofit organization, surplus revenues were 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 existed to promote community health and well-being by engaging the members and providers it served in the valued delivery of quality coverage of integrated health care services.

The organization’s mission encompassed 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 sought to help those individuals who needed health insurance coverage, but were not eligible for public assistance in other forms. Kentucky Health Cooperative operated as a statewide organization,devoting 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 governed by their members, providing health insurance coverage for those members.

Based in Louisville, Kentucky Health Cooperative offered 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 operated 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 pursued 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 offered a revolutionary new model for health insurance in Kentucky. Here are some ways in which Kentucky Health Cooperative, a nonprofit health insurance provider, was different:

  • The organization answered to policyholders, not shareholders.
  • Everything Kentucky Health Cooperative did was for members’ collective benefit.
  • Fair access to quality and comprehensive care was provided by Kentucky Health Cooperative.


Clinical Approach​

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

Other highlights of our clinical approach

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