- Providing world class service and value for employee benefit group plans since 1987
At Taylor Benefits Insurance, we understand what it takes to run a successful business in Kentucky. Whether you’re operating a family-owned shop in Bowling Green or leading a fast-growing company in Louisville, one thing is clear—your employees are the backbone of your business. And keeping them happy, healthy, and secure starts with offering the right benefits.
Group health insurance and employee benefits are no longer just optional extras—they’re essential tools to attract talent, reduce turnover, and keep your team motivated. As a leading provider of customized benefit plans in Kentucky, we’re here to help you design group health solutions that work for your company’s size, industry, and budget.
Kentucky business owners, the active members of our economy, should not have to stress over group medical insurance, individual policy, Medicare enrollment, or other employee incentive plan components. Counties across the state are filled with citizens, many of whom are valuable members of the workforce, facing these concerns. Luckily, Taylor Benefits, drawing on its vast experience and well-established network of reliable agents, is here to guide our clients through the complex process of finding the best plans including appropriate healthcare coverage options. We offer informative resources on our site and even on platforms like YouTube to instill confidence as they navigate their options. Our aim is to ensure that they can keep their costs low and that their workers have the health coverage they need.
We know that it can be daunting for the working members of our population to figure out which group health insurance will work best for your team members, thus adding value to your company. Our aim is to ensure they get access to high-quality healthcare they need while you stay within your budget. We also provide positive solutions for retirement and 401(k) savings plans and other resources to assist your workforce as they build financial security. Drawing from our extensive experience across a plethora of counties in states, not limited to Nevada and Colorado, our knowledgeable agents strive to present the most fitting options tailored to your business needs on our site.
Taylor Benefits staff, members of a dedicated team, offers the following plans to covered employees:
Businesses across Kentucky are realizing the growing importance of offering comprehensive health benefits. Rising healthcare costs, changing employee expectations, and increased competition for skilled workers make it more important than ever to invest in a strong benefits package.
Here’s why group health insurance is becoming a must-have:
Attract Better Talent
Job seekers in Kentucky are comparing benefit packages just as much as salaries. A quality group health plan helps you stand out from competitors.
Boost Employee Retention
Offering medical coverage, wellness programs, and financial benefits builds loyalty and reduces costly employee turnover.
Tax Advantages
Group health plans offer tax deductions for employers, and employees benefit from pre-tax premium payments—helping everyone save.
Improved Team Health and Productivity
When employees have access to reliable care, they take fewer sick days and stay focused on their work.
Whether you’re a small startup in Lexington or a large corporation in Covington, group health insurance brings real value to your workplace.
ACA-compliant programs belong to one of four tiers named for metals: bronze, silver, gold, and platinum. Each has a different premium, with bronze plans offering lower premium costs. However, each tier has different out-of-pocket expenses. For example, subscribers choosing a bronze plan with a lower premium will pay a higher co-payment when using medical services. Conversely, the premium will be higher if you have a silver plan, but the access costs for using the coverage will be lower.
Think your company is too small to offer group benefits? Think again.
We specialize in helping Kentucky’s small businesses find affordable and flexible group health plans that meet their needs. From corner cafés in Paducah to boutique agencies in Frankfort, we’re helping employers across the state build packages that work—without breaking the bank.
We also help small businesses take advantage of state and federal programs like the Small Business Health Options Program (SHOP) to reduce costs and stay compliant.
You get to decide how much of a subsidy to provide the workforce and how long staff members must wait before becoming eligible for inclusion. Any company logo displayed alongside these benefits can represent a symbol of care and attention to employees’ health and well-being.
Kentucky hosts a robust mix of large and small employers, and these organizations work hard to compete for the workers they want to hire and retain on a level playing field. Employers like Yum! Brands purposefully provide attractive benefits packages to their workforce to stand out. Yum! Offers headquarters-based team half days on Friday, flexible schedules, and a minimum of four weeks of annual vacation. As a result, they are recognized as an employer of choice.
Other large companies like Humana tout their 401(k) program, flexible spending accounts, and comprehensive healthcare coverage, including manageable deductibles to promote employee health and wellbeing. All these features are typically mentioned when eligible workers list their preferred benefits. Other desired components include dental and vision insurance, family leave, tuition assistance, student loan support, and the ability to work from a remote location, all of which help set the order in which companies appeal to new hires.
On January 1, 2014, the federal government implemented the Affordable Care Act (ACA), also known as Obamacare, in the United States. You may be wondering, amidst this variety of options, how many employees you need to qualify for team healthcare protection with an insurance company or provider. Under this health plan, companies with a specific number of staff members are now required to offer medical protection coverage to their eligible team members, regardless of the state, including Kentucky, Nevada, and Colorado.
Offering group health insurance means understanding certain rules—but don’t worry, we’ve got that covered, too. When you partner with Taylor Benefits Insurance, we help make sure your Kentucky business stays compliant with:
The Affordable Care Act (ACA) – Including employer mandate requirements for companies with 50+ full-time employees.
COBRA – For businesses with 20+ employees, we help manage continuation coverage for former staff.
Kentucky State-Specific Regulations – Including mandates for certain types of coverage and dependent benefits.
Our team handles the details so you can focus on growing your business with peace of mind.
At Taylor Benefits Insurance, we’re more than just a benefits provider—we’re a partner you can count on.
Here’s what makes us the go-to choice for Kentucky group health insurance:
Independent & Unbiased
We’re not tied to any one carrier. That means we work with top-rated insurance companies across the country to find the best options for you.
Personalized Service
From the first consultation to annual plan reviews, we offer tailored support every step of the way. No call centers. No canned advice.
Affordable, Strategic Planning
We help you manage your budget and maximize your investment by showing you where to save and how to get the most value.
Transparent Communication
You’ll always know what you’re paying for, what your coverage includes, and how to make smart decisions for your business.
Serving companies of all sizes across Kentucky, we’ve built a reputation for trust, transparency, and real results.
Whether you’re just exploring group health insurance for the first time or looking to upgrade your existing plan, Taylor Benefits Insurance is ready to help. We offer free consultations to evaluate your needs, compare plans, and build a benefits solution that keeps your team strong and your business moving forward.
Serving every corner of Kentucky—from Louisville to Owensboro and beyond—Taylor Benefits is your trusted group health insurance partner. Reach out to us now at 800-903-6066.
Access to a large group health protection typically comes from an employer. These programs often provide significant benefits for both the workforce and the organization. For instance, due to the high number of individuals covered under these insurance packages, the workforce may enjoy more options, better coverage, and lower premiums. Concurrently, organizations might qualify for a tax credit if they contribute to their staff members’ premiums. Additionally, a clear advantage for the company is that offering insurance promotes a positive and happy work environment, enabling the workforce to perform at their best.
Attracting new staff and retaining current members of your team can be effectively achieved through offering comprehensive benefits. Businesses, regardless of their size, have the flexibility to select a benefits package that aligns with their needs. In Kentucky, the types of benefits provided by organizations typically include health coverage, vision and dental insurance, paid time off, and a 401k.
Health insurance premiums are often split between employees and employers, but employers typically pay a larger percentage of the cost. While premiums have declined since the passage of the Affordable Care Act (ACA) in 2010, insurance is still not inexpensive.
In Kentucky, the cost ranges from less than $600 to over $1700 per month per subscriber. The factors that affect the cost include whether it is single or family coverage, the deductible and co-payment terms, and the group size.
Group health insurance is a policy purchased by an employer or organization to provide coverage for a group of employees or members. It offers a cost-effective way for a group to access healthcare benefits and typically includes medical, dental, and vision coverage. What is group health insurance is an essential employee benefit.
Group health insurance in Kentucky is typically offered through employers and covers a group of people, while individual health insurance is purchased by individuals for themselves and their families. Group plans often have lower premiums and broader coverage, while individual plans offer more customization options.
Group health insurance for Kentucky businesses offers cost savings, increased employee satisfaction, and simplified administration. However, it may limit customization options and could lead to higher premiums based on the overall health of the group. Understanding these pros and cons can help businesses make informed decisions.
In a group health insurance plan, the premiums are typically divided between the employer and employees. Employers often cover a portion of the premium costs, while employees contribute the remaining amount through deductions from their paychecks. The specific breakdown of premium sharing can vary depending on the company’s policies.
In most cases, non-contributory group insurance plans require a minimum of 75% of eligible employees to be covered. This ensures comprehensive coverage for the majority of the workforce without individual contributions. Employers should confirm specific requirements with their insurance provider to ensure compliance.
In Kentucky, the main difference between a PPO and an HMO lies in network flexibility and cost-sharing. PPO plans offer more provider choices and out-of-network coverage, while HMO plans require referrals for specialist care and have lower out-of-pocket expenses.
In Kentucky, the most commonly used insurance for group health plans is employer-sponsored health insurance. This type of insurance is provided by employers to cover a group of employees and their dependents, offering comprehensive coverage and cost-sharing benefits.
Group health insurance premiums in Kentucky are calculated based on factors such as the number of employees covered, age of employees, location, and plan chosen. Insurers also consider the group’s claims history and overall health risk. Employers may share costs with employees, affecting the final premium amount.
The average monthly cost of health insurance in Kentucky ranges from $300 to $500 for an individual and $700 to $900 for a family. Factors such as age, health status, and coverage type can impact these rates. Shopping around and comparing quotes can help find the best deal.
Health insurance in Kentucky may be expensive due to factors like the state’s poor health outcomes and high rates of chronic diseases, which drive up healthcare costs. Limited competition among insurers and higher-than-average medical costs also contribute to the high prices.
Yes, Kentucky does require health insurance coverage for residents. The state passed legislation mandating all residents to have health insurance to ensure access to essential healthcare services. Failure to comply may result in penalties or fines. It is important for Kentucky residents to have active health insurance coverage.
In Kentucky, it is not illegal to not have health insurance. However, the state encourages residents to have coverage to avoid potential financial burdens from medical emergencies. The Affordable Care Act does not mandate coverage, but it’s advisable to have health insurance for your well-being.
In Kentucky, employers are not required by law to offer health insurance to their employees. However, under the Affordable Care Act, businesses with 50 or more full-time employees may face penalties if they do not provide affordable health coverage. Small businesses with fewer employees may qualify for tax credits if they choose to offer health insurance.
In Kentucky, drivers are required to have minimum liability insurance coverage of 25/50/10, which means $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage. It is essential to meet these requirements to legally drive in Kentucky.
If you don’t have insurance in Kentucky, you may face penalties, such as fines or license suspension. Without insurance, you could be held financially responsible for any accidents or injuries you cause. It’s crucial to have coverage to protect yourself and others on the road.
Kentucky employers with at least 2 employees are required to offer group health insurance. The coverage must include essential health benefits and comply with state and federal regulations. Employers must also contribute a minimum percentage toward the premium costs.
A group-owned insurance policy is a plan purchased by a group of businesses in Kentucky to provide coverage for their employees. By pooling resources, businesses can access better rates and coverage options. Premiums are typically shared among the members, making it a cost-effective solution for small to medium-sized businesses in Kentucky.
Offering group health insurance to employees in Kentucky can provide numerous benefits, including attracting top talent, improving employee retention, and potentially lowering overall healthcare costs. Group health plans also offer tax advantages for both employers and employees, making it a valuable investment in employee well-being.
Todd Taylor oversees most of the marketing and client administration for the agency with help of an incredible team. Todd is a seasoned benefits insurance broker with over 35 years of industry experience. As the Founder and CEO of Taylor Benefits Insurance Agency, Inc., he provides strategic consultations and high-quality support to ensure his clients’ competitive position in the market.
Todd Taylor with Taylor Benefits gives our small business the kind of personal service we need. Insurance benefits are important to our employees and Todd helps us find a balance between benefits and value. Todd responds immediately to my phone calls & e-mails. He has even gotten in touch with me on a Sunday when we were in need of coverage answers immediately. We are very pleased with the hands-on service Todd and his staff provide.”
-Ken and Linda Orvick, Orvick Management Group, Inc.
We’re ready to help! Call today: 800-903-6066