Kentucky BCBS Antitrust Settlement
Anthem Blue Cross and Blue Shield of Kentucky subscribers who filed a claim by the November 5, 2021 deadline are being paid from the $2.67 billion settlement fund. Each payment is a pro-rata share of the national fund based on the premiums the claimant paid — it does not depend on the state.
How your share is set
Pro rata by premiums
paid 2008–2020 — the same formula in every state
Average per approved claim
About $244
across 7,774,992 claims nationwide
Shares of $200 or more
About 90% now
10% held for a later distribution
Kentucky's BCBS plan is Anthem Blue Cross and Blue Shield of Kentucky, operated by Elevance Health (formerly Anthem Inc., formerly WellPoint). Anthem BCBS Kentucky held approximately 70% of Kentucky's commercial health insurance market during the class period — one of the highest carrier concentrations in the nation. The American Medical Association has repeatedly flagged Kentucky as one of the top-10 least competitive health insurance markets in the US.
If you paid premiums to Anthem BCBS Kentucky between February 7, 2008 and October 16, 2020 (fully insured) or September 1, 2015 and October 16, 2020 (self-funded), and filed a valid claim by November 5, 2021, you are part of the distribution; your share is pro rata by the premiums the Blue plan's records show you paid, and shares of $5.00 or less are not paid.
How Kentucky Payments Are Calculated
Where you live does not change how your payment is calculated. The court-approved plan pays claimants in Kentucky exactly as it pays everyone else: your share is your “Recognized Claim” — built from the premiums (for self-funded accounts, the administrative fees) the Blue plan's records show you paid during the class period — divided by everyone's, multiplied by the net fund. The settlement publishes no state rankings, market-share weights or state payout ranges; dollar ranges quoted for individual states are estimates, not official figures.
The money is split into two pots that are paid separately: $1.78 billion for individuals, insured groups and their employees, and $120 million for self-funded accounts and their employees. Divided across the 7,774,992 claims the court approved, the average is about $244 a claim. As a rough rule of thumb (our arithmetic, not an official rate), the individual and insured-group pot pays about 54 cents per $100 of premiums: $10,000 in premiums works out to about $54, and $60,000 to about $325.
Under the court's April 24, 2026 order, shares under $200 are paid in full in the first distribution, which began May 11, 2026. Shares of $200 or more receive about 90% now, with 10% of the fund held in reserve for a later distribution. Any claimant whose share calculates to $5.00 or less receives nothing.
Estimate Your BCBS Payment From Your Premiums
Shares are pro rata by the premiums you paid from 2008 to 2020 — the same formula in every state.
Rough share for $60,000 in premiums
About $324
$200 or more, so about $292 (90%) comes in the initial distribution. A second distribution may follow, only for people who cashed the first payment; as of October 2026 no date has been announced.
Our arithmetic, not an official rate: the eligible claims in the individual and insured-group fund reported about $328 billion in premiums against a $1.78 billion fund — about 54 cents per $100. Your actual payment is calculated by JND Legal Administration from the Blue plans’ records. Payments began May 11, 2026; the claim deadline (November 5, 2021) has passed.
Anthem Blue Cross and Blue Shield of Kentucky
The Kentucky Blues plan is operated by Anthem Health Plans of Kentucky, Inc., doing business as Anthem Blue Cross and Blue Shield of Kentucky. Anthem is a subsidiary of Elevance Health (formerly Anthem, Inc., and prior to 2012, WellPoint, Inc.). During the class period (2008–2020), Anthem was the dominant insurer across individual, small group, and large group markets in Kentucky.
Coverage through Anthem BCBS Kentucky's fully-insured commercial plans during 2008–2020 qualifies for the Subscriber settlement. Self-funded employer plans qualify for the separate September 2015-October 2020 window.
Kentucky 2026 Distribution Status
Payments to Kentucky claimants come from the same national fund as everyone else's, under the court's April 24, 2026 distribution order (the settlement itself received final approval on August 9, 2022). The administrator, JND Legal Administration, began the initial distribution on May 11, 2026 and sends payments in batches by the method chosen on the claim — for example a prepaid card, with an activation email from distribution@bcbssettlement.com, or a mailed check. No state or regional schedule has been published, and the settlement reports no claim counts or amounts by state.
Only claimants who filed by the November 5, 2021 deadline are paid; no new claims are accepted. Shares of $5.00 or less receive nothing, shares under $200 are paid in full, and shares of $200 or more receive about 90% now, with 10% of the fund held for a second distribution that has no date yet. Checks are void if not cashed within 90 days. To see where your claim stands, use “Check my Claim Status” on bcbssettlement.com with your Unique ID or Claim Number, or call (888) 681-1142.
Exclusions That Apply in Kentucky
- Government accounts are excluded: coverage bought by the State of Kentucky, its counties and cities, tribes or the federal government — whether the plan was self-funded or fully insured. That includes the State of Kentucky's own employee health plan.
- Federal Employee Program (FEP) coverage is excluded as a federal government account.
- Quasi-government accounts are included if they chose their own fully insured or self-funded Blue plan — for example school districts, utilities, port and transportation authorities, government-funded hospitals and public retiree benefit plans. The administrator decides individual cases: (888) 681-1142.
- Self-funded employer plans are not excluded: they and their employees share a separate $120 million fund, for coverage from September 1, 2015 to October 16, 2020.
- Medicare Advantage policies are not part of the settlement; Medicare Supplement (Medigap) policies are, if the coverage dates fit.
- Dependents and beneficiaries, including minors on a parent's plan, are not paid; the subscriber or employee who paid the premium is.
- Coverage from insurers outside the Blue system does not count.
Source: the official settlement FAQ at bcbssettlement.com (questions 7–9 and 12).
Kentucky BCBS Settlement FAQ
I work for the state of Kentucky and had Anthem through KEHP. Am I eligible?
No. The Kentucky Employees' Health Plan (KEHP) is a government-administered account and is explicitly excluded from the settlement class. State employees, public school teachers, and their dependents covered through KEHP are not entitled to a settlement payment, regardless of whether Anthem BCBS administered the plan.
I'm a retired Kentucky state employee with health coverage through KRS. Am I part of the settlement?
It depends on who bought the coverage. Public retiree benefit plans that bought their own coverage count as quasi-government accounts and are included; coverage bought directly by the state is excluded as a government account. The claims administrator decides individual cases: (888) 681-1142. If you also held a separate, privately purchased Anthem BCBS policy during the class period, that coverage counts as well. New claims cannot be filed: the deadline was November 5, 2021.
How much can Kentucky residents realistically expect to receive?
There is no Kentucky-specific amount. Each payment is a pro-rata share based on the premiums you paid between 2008 and 2020. As a rough guide (our arithmetic, not an official rate), the individual and insured-group pot pays about 54 cents per $100 of premiums: $10,000 in premiums works out to about $54, and $60,000 to about $325. Shares under $200 are paid in full in the first distribution; shares of $200 or more receive about 90% now, with the rest held for a later round. Any claimant whose share calculates to $5.00 or less receives nothing.
Anthem is now Elevance Health. Does that affect my claim?
No. Elevance Health is the current parent company of Anthem Blue Cross and Blue Shield of Kentucky, formerly operating as Anthem, Inc. and WellPoint. The corporate rebranding does not affect your eligibility. Your claim is based on having paid premiums to the Kentucky Blues plan during the qualifying class periods.
The claims deadline has passed. Is there anything I can do?
The claims filing deadline was November 5, 2021. If you missed the deadline, you will not receive a payment from this settlement. The claim window is permanently closed for new filings. If you did file, your claim status is available at bcbssettlement.com or (888) 681-1142.
Were you (or a close family member) injured in the last 2 years?
The BCBS settlement above pays fixed amounts through a claims administrator — a separate injury claim is a different case, and often worth far more. Free review, no obligation.
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