Managed Care · KY
Kentucky
Saturated · score 50
MA penetration is above average — competition is high, focus on plan-specific wins.
State MA penetration
54.9%
National rank #13 · National avg 47.8%
+7.11 pp vs national
548,718
MA beneficiaries (rolled up)
999,383
Medicare eligibles
120
Counties indexed
268
SNFs in state
MA beneficiaries · 2016–2022
YoY change: +92.2%
SNF utilization rate (MA enrollees)
Share of MA beneficiaries with a SNF stay each year (CMS MA GV PUF).
Most saturated counties
- 87.0%Gallatin1,071 of 1,231 eligibles
- 73.4%Wolfe1,347 of 1,836 eligibles
- 71.3%Leslie1,982 of 2,780 eligibles
- 69.7%Clay3,358 of 4,820 eligibles
- 69.6%Magoffin2,249 of 3,232 eligibles
- 69.4%Morgan2,205 of 3,178 eligibles
- 68.8%Breathitt2,274 of 3,306 eligibles
- 68.5%Jackson2,230 of 3,254 eligibles
- 68.0%Lewis2,158 of 3,172 eligibles
- 68.0%Lee1,191 of 1,751 eligibles
Highest opportunity counties
- 40.7%Oldham12,368 eligibles · 5,030 enrolled
- 43.2%Hancock2,135 eligibles · 923 enrolled
- 44.4%Hickman1,283 eligibles · 570 enrolled
- 44.7%Hardin23,013 eligibles · 10,293 enrolled
- 44.8%Nelson11,280 eligibles · 5,053 enrolled
- 45.2%Marshall9,114 eligibles · 4,118 enrolled
- 45.9%Ballard2,018 eligibles · 926 enrolled
- 46.6%McCracken17,240 eligibles · 8,036 enrolled
- 46.6%Washington3,060 eligibles · 1,427 enrolled
- 46.7%Livingston2,678 eligibles · 1,251 enrolled
Top MA payers in Kentucky
556,176 total MA enrolled- 1HUMANA INSURANCE COMPANY123,54122.2%
- 2EMPHESYS INSURANCE COMPANY76,44713.8%
- 3COMPCARE HEALTH SERVICES INSURANCE CORPORATION65,31511.7%
- 4UNITEDHEALTHCARE OF WISCONSIN, INC.49,6148.9%
- 5ARCADIAN HEALTH PLAN, INC.46,7068.4%
- 6WELLCARE HEALTH INSURANCE COMPANY OF KENTUCKY, INC40,1507.2%
- 7AETNA HEALTH OF OHIO INC.24,1554.3%
- 8ANTHEM INSURANCE COMPANIES, INC.20,7413.7%
- 9HUMANA MEDICAL PLAN, INC.17,8243.2%
- 10AETNA LIFE INSURANCE COMPANY16,7763.0%
- 11SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC.14,0542.5%
- 12HUMANA BENEFIT PLAN OF ILLINOIS, INC.12,8812.3%
- 13HUMANA HEALTH PLAN OF OHIO, INC.10,9712.0%
- 14DEVOTED HEALTH INSURANCE COMPANY OF KENTUCKY INC10,4451.9%
- 15CARE IMPROVEMENT PLUS SOUTH CENTRAL INSURANCE CO.9,6761.7%
Top-rated SNFs in Kentucky
268 total- Nazareth HomeLouisville, KY · Jefferson County · 118 beds5★
- Signature Healthcare of ElizabethtownElizabethtown, KY · Hardin County · 124 beds5★
- Riverview Health Care CenterPrestonsburg, KY · Floyd County · 121 beds5★
- Cedar Ridge Health CampusCynthiana, KY · Harrison County · 53 beds5★
- Twin Rivers Nursing and Rehabilitation CenterOwensboro, KY · Daviess County · 132 beds5★
- Christian Health CenterHopkinsville, KY · Christian County · 114 beds5★
- Hopkins Nursing and Rehabilitation CenterWoodburn, KY · Warren County · 50 beds5★
- Rockcastle Regional Hospital and Respiratory CareMount Vernon, KY · Rockcastle County · 143 beds5★
- Kenwood Health and Rehabilitation CenterRichmond, KY · Madison County · 93 beds5★
- Laurel Heights Home for the ElderlyLondon, KY · Laurel County · 143 beds5★
Source: CMS MA State/County Penetration (Aug 2025). Secondary metrics from CMS Medicare Advantage Geographic Variation PUF (2016–2022). Penetration is computed by rolling up county-level CMS-published MA enrolled / Medicare eligibles. Trend chart spans 2016–2022.