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Cost & Benefits

Benefits / Kentucky

Marketplace subsidies in Kentucky

Marketplace premium tax credits in Kentucky use 100 to 400 percent of the 2026 poverty guidelines. Enhanced credits expired January 1, 2026. For four people, the guideline is $33,000. Kentucky has expanded Medicaid, so income at or under 138 percent of poverty is pointed to Medicaid instead. Premium dollars are not estimated. This site does not approve or deny benefits.

Who is inside the 2026 marketplace subsidy range? A household of four is measured against $33,000. Kentucky has adopted the ACA Medicaid expansion.

The largest 2-bedroom Fair Market Rent gap among ranked metros in Kentucky is $166: Cincinnati at $1,442 and Louisville at $1,276.

Kentucky taxes wages at a flat 3.50%. Combined state and local sales tax is 6.0%. The ACS effective property tax rate is 0.71%.

A household of four with $48,000 of income is about 145 percent of the $33,000 poverty guideline and is likely eligible for Marketplace premium tax credits. Likely inside the 2026 subsidy range.

Limits behind the page

2026 poverty guideline in Kentucky
Household100%138%185%
1$15,960$22,025$29,526
2$21,640$29,863$40,034
3$27,320$37,702$50,542
4$33,000$45,540$61,050

An illustrative household

Two adults, ages 34 and 32, filing jointly, plus children ages 8 and 3. Gross income $48,000 a year, about 145 percent of the poverty guideline in Kentucky. They rent. Nobody is marked disabled or pregnant.

Marketplace premium tax credits

Likely eligible

Likely inside the 2026 subsidy range

  • Enhanced premium tax credits expired on January 1, 2026. This screen uses the 100 to 400 percent of poverty range for premium tax credits and does not estimate a premium dollar amount.
  • Income is about 145 percent of poverty, inside the 100 to 400 percent premium-tax-credit range.
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Food stamps (SNAP) tools in Kentucky

Last checked: October 15, 2026

Sources

What changed
  • October 15, 2026. The benefit rules file was checked against the sources listed here.
  • January 15, 2026. HHS published the 2026 poverty guidelines in the Federal Register.

Other programs in Kentucky

Large metros in Kentucky

Marketplace subsidies in other states