Health Insurance

Health Insurance  

Employees value health care, but providing ACA-compliant health care coverage may have been difficult or expensive for your small- to medium-sized firms in the past. With the Kentucky Bar Association Health Plan, it no longer has to be!


You can now enjoy an exclusive, competitive advantage: offering your employees and their families complete major medical coverage that complies with all aspects of the Affordable Care Act.


Your employees get flexible, ACA-compliant coverage that may cost them less than they could find on their own. Plus, access to virtual telehealth services, mail order prescription and online support functions.


Offer better options

You can offer either or both of the following care options:


  • A PPO plan enabling maximum flexibility for electing providers and costs; or
  • A high-deductible health plan (HDHP) with Health Savings Account (HSA), which reduces monthly premiums





  • What is covered?

    These are not "skinny" plans that do not comply with ACA requirements. All of the following are covered on either the PPO or HDHP plan, with no annual or lifetime dollar limit:

    • Prescriptions
    • Hospitals
    • Mental health and substance abuse
    • Preventive care (at 100%)
    • Maternity
  • How do we get a quote?

    In order to get a quote, you will need to provide the following documentation:

    If you need a health insurance broker, simply ask Mercer for a referral. Direct submissions without a broker cannot be accepted.

  • What does coverage cost me?

    You elect to pay a percentage of the plan costs.
  • Which administrative functions am I responsible for?

    The insurance carrier takes care of:

    • Premium billing/payments/payment alerts
    • Group-level changes
    • Group-level administration
    • Claims
    • All member-level questions
  • How do we administer COBRA?

    The Kentucky Bar Association Health Plan is considered a large group health plan and therefore subject to the COBRA rules and regulations for continuation coverage. The Plan selected McGregor & Associates as the COBRA vendor partner. You will receive an email with information about how you can work with McGregor to ensure continuation coverage is offered to any qualified beneficiaries. You are free to choose your own COBRA vendor if preferred; however, a waiver must be provided to




Mercer's Role & Compensation
Details of Mercer disclosure of compensation.


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