Retired Members and eligible dependents under the age of 65 are eligible to participate in the Kentucky Employees Health Plan (KEHP). KEHP is a self-funded plan that offers health insurance to nearly 294,000 employees, retirees, or beneficiaries.
2026 Plan Year Details:
Retiree health insurance plan options for 2026 are summarized in the Benefit Selection Guide attached below. Premiums for 2026 have increased 12-16% depending on the level of plan and coverage.
Depending on the members' individual service, costs may or may not increase. JFRS plans cover a percentage of premiums, dependent upon the member's years of service. Any balance remaining will be deducted from monthly benefits.
The maximum premium level approved for 2025 by the JFRS Board of Trustees are:
| Single | $1,105.54
|
| Parent Plus | $1,514.46
| | | Couple
| $2,238.22
| | | Family | $2,453.16
|
|
Review KEHP Plan Options and Benefits:
NOTE: No Dental or Vision coverage is available for Non-Medicare Retirees through Anthem
2026 Living Well Promise
All plans for 2026 require the completion of a online Health Assessment prior to July 1, 2026. Members earn up to $480 a year ($40 a month) in premium discounts by completing the Promise. If a member does not complete the Promise, they will be responsible for paying a $40 per month incentive during the 2027 Plan Year.
LivingWell Promise Help Guide
If a member enrolled in a LivingWell plan during the 2025 plan year did not fulfill the LivingWell Promise, a $40 monthly assessment will be deducted from the member's monthly benefit allowance during the 2026 plan year.
PRIOR YEAR INFORMATION
Retiree health insurance plan options for 2025 are summarized in the Benefit Selection Guide attached below. Premiums were unchanged and the same as 2024. Members total cost, if any, was dependent on their total service. JFRS plans cover a percentage or portion of premiums, dependent upon the member's years of service and tier of benefits. Any portion of premiums paid by members was deducted from monthly benefits.
The maximum premium level approved for 2025 by the JFRS Board of Trustees were:
| | Single | $949.04
|
| Parent Plus | $1,320.40
| | | Couple | $1,981.62
|
| Family | $2,185.78
|
|
|
Review KEHP Plan Options and Benefits:
2025 Living Well Promise
All plans for 2025 required the completion of a Biometric Screening or online Health Assessment prior to July 1, 2024. Members earn up to $480 a year ($40 a month) in premium discounts by completing the Promise. If a member does not complete the Promise, they will be responsible for paying a $40 per month incentive during the 2026 plan year.
Retiree health insurance plan options in 2023 were unchanged from the prior year, however, premiums did increase approximately 6% across all plans offered. Members total cost, if any, was dependent on their total service. JFRS plans cover a percentage or portion of premiums, dependent upon the member's years of service and tier of benefits. Any portion of premiums paid by members was deducted from monthly benefits.
The maximum premium level approved for 2024 by the JFRS Board of Trustees were:
| | Single | $949.04
|
| Parent Plus | $1,320.40
| | | Couple | $1,981.62
|
| Family | $2,185.78
|
|
|
Review KEHP Plan Options and Benefits:
2024 Living Well Promise
All plans for 2024 required the completion of a Biometric Screening or online Health Assessment prior to July 1, 2023. Members earn up to $480 a year ($40 a month) in premium discounts by completing the Promise. If a member does not complete the Promise, they will be responsible for paying a $40 per month incentive during the 2025 plan year.
Retiree health insurance plan options for 2023 were unchanged from 2022, however, premiums did increase approximately 3-5% across all plans offered. Depending on the members' individual service, costs may or may not have increase. JFRS plans cover a percentage of premiums, dependent upon the member's years of service. Any balance remaining was deducted from monthly benefits.
The maximum premium level approved for 2023 by the JFRS Board of Trustees were:
| | Single | $833.64
|
| Parent Plus | $1,177.30
| | | Couple | $1,792.42
| | | Family | $1,988.62
|
|
|
2023 Living Well Promise
All plans for 2023 required the completion of a Biometric Screening or online Health Assessment prior to July 1, 2022. Members earn up to $480 a year ($40 a month) in premium discounts by completing the Promise. If a member does not complete the Promise, they will be responsible for paying a $40 per month incentive during the 2024 plan year.