For more than 40 years, the Kentucky Association of Counties has served its members with solutions specifically focused on the needs of public entities. In 2001, KACo formed a strategic alliance, KACo Benefits Group, to better serve its membership with world-class employee benefit programs.  KACo Benefits Group offers a superior portfolio of benefits plans, cutting edge tools and personalized service.  We understand that one size does not fit all.  We work hard to tailor an employee benefits plan which is best suited to each member group.

A select group of professional firms strategically located across the Commonwealth have been selected to represent KACo Benefits Group services.   Members have responded to this program with overwhelming support and we continue to see program grow each year.

We welcome all members to join with us and become a part of this unique experience.


  • “Butler County Fiscal Court has been with KACO Benefits Group for several years. In our first year with the group the county saved over $100,000.00”David Fields, Butler County Judge Executive
  • “In 2009, the Mason County Fiscal court partnered with KACo and joined its association plan for health insurance. Since that time, we have paid lower monthly health insurance premiums. During the first two years, the Mason County Fiscal court saved an average of $26,000 per month, a 25% decrease from our earlier premium amounts. The Mason County Fiscal Court has been pleased thus far working closely with the KACo association plan and looks forward to many more years of partnership.”Kim Muse, Treasurer Mason County Fiscal Court
  • Our employees are pleased with the benefits of the plan and feel that our insurance is the “cream of the crop”.  I would highly recommend others consider this plan when exploring options for their employee health insurance.”Doug Stephens McCreary County Judge Exective
  • “The representatives from KACO have been extremely helpful in streamlining our HR operations.  Their knowledge of the Affordable Care Act is top notch!”Knott County Fiscal Court – Personnel Director – Michael Sturgill


All In One Place


The KACo Benefits Group Advantage

1.) Public Entity Experience
For more than 25 years, the agents of KACo Benefits Group have served the employee benefits and risk advising needs of public entities across the Commonwealth of Kentucky. We have a team of experts dedicated to working with cities, counties, and public subs. Our team is experienced in handling the unique requirements of employers in the public sector. We are able to provide guidance and expertise for these unique exposures.
2.) Health Care Reform
Understanding and keeping up with requirements and changes of health care reform legislation can be overwhelming. We help put those fears to rest by keeping up with those changes and acting as advisors for our clients to help them stay compliant today and prepared for tomorrow. We know the ins and outs of health care reform, how it applies to small employers, and what strategies can be executed to protect you from its pitfalls. By mastering health care reform, we can help you enhance your benefits while controlling their costs, thereby fostering a great workplace.
3.) Single-Source Administration
KACo Benefits Group has partnered with Capstone Administrators to be your single point of contact for handling medical and Cobra-eligible products. Capstone handles enrollments and terminations, and even provides a single list bill. Capstone also handles COBRA administration, keeping you compliant with federal regulations. All of our clients will also have access to Compliance Dashboard, which is customized to fit your entity’s needs and outlines the things you must do to stay in compliance.
4.) Benefiting the Association
By investing in your benefits with KACo Benefits Group, even if you do not utilize the Association Plan, you are investing in efforts to improve county government throughout the Commonwealth. The Association has been representing the needs of county government in legislative matters since 1974. Serving all 120 counties of the Commonwealth of Kentucky, KACo offers a variety of services to promote the progress of county government, including insurance, safety and loss control, financing services, legislative services, and research and planning.
5.) The KACo Benefits Group Difference
A common misconception is that KACOo Benefits Group offers the Association Plan. While the Association Plan is an invaluable resource for counties within the Commonwealth of Kentucky, we actually offer so much more than that. With more than 25 years of experience and our specialization in public entities, we do not just talk the talk, we walk the walk.
6.) KACo Association Plan
KACo Benefits Group has an exclusive partnership with the Kentucky Association of Counties to give you access to its Association Plan. This plan can often be the most cost effective solution to offering group medical benefits to our employees. Nobody outside out network of agents can bring you this option. There is nothing we cannot bring to the table. But others cannot bring what we can.
7.) World-Class Service
KACo Benefits Group is unique in that you get paired with local service team readily available to meet your day-to-day needs, while also having the benefit of being part of a network of agents across Kentucky, giving you access to better carrier service rates. Our service teams have expertise in working with public entities, allowing for a seamless integration of our team with your staff. Our team works with you and for you to ensure your team receives the best experience possible.
8.) Controlling Costs
Employers, even public ones, with less than 50 employees are subject to Community Rating under health care reform. Instead of basing premiums on demographics, including gender and projected health insurance claims. community-rated premiums are determined by applying health risks and costs within the market as a whole that are averaged and then separated by age, geography, and tobacco use. Your group’s health history can no longer be included. Employers required to offer community-rated plans are seeing premium increases of 39 to 56 perfect compared to pre-health care form coverage (via The Washington Examiner). The Association Plan will be your only option to avoid community rating and control costs.
9.) Comprehensive Approach
We pride ourselves on offering a variety of coverages and products to create a comprehensive benefits plan for our clients. Many agents stop with the basics, but going beyond the basics is part of our standard approach. We offer a myriad of coverages, including medical, prescription, dental, vision, disability, group life, and a variety of voluntary products. We can set up Flexible Spending Accounts, Health Savings Accounts, Health Reimbursement Accounts, and more to proactively control costs. Putting employees in the driver’s seat with their health care dollars can be an effective strategy for controlling the cost of benefits by encouraging them to educate themselves and seek the best value in health care services. We also offer the services of Health Advocate, which helps employees and their eligible family members navigate health care and insurance-related issues, saving time and money. Having too many options can be overwhelming, but part of our process is helping guide you to cost effectively build the best benefits package, ultimately helping you to retain the best employees.
10.)Human Resources
 Managing your entity’s human resources responsibilities can seem like an insurmountable task. Gaps are not always a reflection of an inadequate human resources staff, but rather a by-product of ever-increasing regulations and requirements that must be met. We help make this easy on you by providing a variety of HR tools and resources, such as HR360 and ComplianceDashboard. HR360 provides an online HR library featuring the most current federal and state laws for health care reform, COBRA, FMLA and hiring and terminating employees. ComplianceDashboard is a web-based tool that helps employers understand their compliance obligations, and remember when to complete them by providing an interactive email and follow-up system that monitors the progress of each compliance activity. We also offer benefits education, compliance assistance, and unmatched 24/7 support for your team. From a step-by-step approach for COBRA and FMLA to information on compliance steps that clearly explain how to avoid potential employee lawsuits, we have the tools you need to cover your HR gaps.


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