Health Insurance in Connecticut

Find plans and explore healthcare options in the Constitution State.

Understanding Connecticut's Healthcare System

Connecticut actively participates in the Affordable Care Act (ACA) framework through its own state-based health insurance marketplace, **Access Health CT** (AccessHealthCT.com). This platform allows residents to compare and purchase private health insurance plans, and it's the only place to access federal financial assistance to lower costs. Connecticut also embraced the ACA's Medicaid expansion, offering comprehensive coverage to more low-income residents through its **HUSKY Health** program.

Navigating health insurance in Connecticut involves understanding these key state programs. Access Health CT simplifies shopping for private plans and determining subsidy eligibility, while HUSKY Health provides a vital safety net. Knowing how to utilize these resources, alongside options like employer-sponsored insurance and Medicare, empowers Connecticut residents to make informed decisions about their healthcare coverage.

Staying aware of Access Health CT's enrollment periods, qualifying for financial help, and understanding plan details is essential for managing healthcare costs and access in Connecticut. Use our free tools to get an instant quote or evaluate local market rates to assist in finding the right coverage.

Map of Connecticut highlighting healthcare

Connecticut Health Insurance Coverage ()

Employer

~53%

Non-Group

~5%

HUSKY (Medicaid/CHIP)

~22%

Medicare

~14%

Military

~1%

Uninsured

~5%

Source: Approximate percentages based on KFF analysis of 2022 ACS data. Note: Categories may overlap; percentages may not sum exactly to 100%.

Connecticut Health Facts at a Glance

Overall Health Ranking

#4

Est. Population (2025)

~3.6 M

Avg. Lifespan

~79.2 yrs

Avg. Hospital Stay / Day

~$3,000+

Avg. Health Expenditure / Person

$11,886*

Number of Hospitals

~30

*Per capita expenditure based on 2023 CT OHS report. Other stats based on most recent available data (2021-2025) - All stats are illustrative and need updating.

Health Insurance Programs for Connecticut Residents

Connecticut residents can access health coverage through various programs designed to meet different needs:

  • Access Health CT (AccessHealthCT.com): Connecticut's official state-based health insurance marketplace where individuals and families can compare, choose, and enroll in private health and dental plans. This is the only place to qualify for federal premium tax credits and other financial help to lower insurance costs.
  • HUSKY Health: Connecticut's public health coverage program, encompassing Medicaid (HUSKY A, C, D) and the Children's Health Insurance Program (CHIP - HUSKY B). It provides comprehensive, low-cost or free coverage to eligible children, parents/caregivers, pregnant individuals, adults without dependent children, seniors, and people with disabilities.
  • Covered Connecticut Program: A state-funded program administered through Access Health CT providing free coverage (including $0 premiums and $0 cost-sharing) for eligible residents who meet specific income and other requirements.
  • Patient Assistance Programs: Various programs offered by pharmaceutical companies may help eligible individuals reduce their prescription drug expenses.

These initiatives aim to ensure broad access to affordable healthcare for Connecticut residents.

Connecticut Short-Term Health Insurance

Short-term, limited-duration health insurance plans are permitted in Connecticut and generally follow **federal guidelines**. These plans can provide temporary coverage during transitions, such as between jobs or waiting for other coverage to start. Key features under federal rules allow:

  • Initial plan terms potentially lasting **up to 364 days**.
  • Renewals that could extend the total duration **up to 36 months**.

However, it's crucial to note that these plans are **not ACA-compliant**. They typically **do not cover pre-existing conditions**, lack essential health benefits (like maternity care, mental health services, prescription drugs, preventive care), and may have annual or lifetime coverage limits. They do not meet minimum essential coverage standards.

While available, short-term plans should be considered carefully in Connecticut, primarily for brief, specific coverage gaps, with full awareness of their significant limitations compared to comprehensive ACA plans available through Access Health CT. Note that currently, few or no carriers may be actively offering these plans in the state despite being legally permitted.

Finding Health Coverage In Connecticut

Securing health insurance in Connecticut provides vital protection against high medical costs and ensures access to preventive and necessary care. Understanding the state's resources, like Access Health CT and HUSKY Health, is key to finding the right plan.

Connecticut Open Enrollment via Access Health CT

Open Enrollment for individual and family health plans is conducted through Connecticut's state marketplace, **Access Health CT (AccessHealthCT.com)**. This period typically runs from **November 1st through January 15th** each year. It's essential to check the official Access Health CT website for the exact dates annually. This is the primary time to enroll in or change private health plans for the upcoming year. Enrolling through Access Health CT is the only way to access federal financial assistance (subsidies). If you miss Open Enrollment, you'll need a qualifying life event for a Special Enrollment Period.

Connecticut Health Insurance Quotes

ACA-compliant health plans, along with potential federal financial assistance (premium tax credits and cost-sharing reductions), are available exclusively through **Access Health CT (AccessHealthCT.com)**. Comparing plans offered by participating insurers like Anthem and ConnectiCare is essential. Focus on premiums, deductibles, copays, out-of-pocket maximums, and crucially, the provider networks available in your area. While plans might be sold directly off-exchange, subsidies are only available through Access Health CT. Our free quoting service can help you explore plan options available in Connecticut. Enter your zip code to begin comparing quotes and connect with certified brokers or navigators for assistance.

Major Health Insurance Providers in Connecticut

Connecticut's individual health insurance market, particularly on the Access Health CT marketplace, typically features a few key carriers. The primary participants often include:

  • Anthem Blue Cross Blue Shield
  • ConnectiCare Benefits, Inc.
  • ConnectiCare Insurance Company, Inc.

Plan availability and specific networks can vary, so it's vital to check Access Health CT for the current offerings in your specific location.

Carefully compare the details of plans offered by these carriers. Consider your healthcare needs, preferred doctors and hospitals, and budget. Access Health CT provides tools and free enrollment assistance to help you make an informed choice.

Frequently Asked Questions About Health Insurance Connecticut

Is Health Insurance Mandatory in Connecticut?

No, **Connecticut does not currently have a state-level individual mandate penalty** requiring residents to have health insurance. The federal penalty for not having coverage was also reduced to $0 in 2019. Therefore, there is no tax penalty for being uninsured in Connecticut. However, health insurance coverage is still highly recommended due to high healthcare costs.

What's the Cost of Health Insurance in Connecticut?

Health insurance costs in Connecticut can be relatively high, reflecting the state's general cost of living and healthcare prices. Costs vary based on age, location, plan choice (metal level, network), tobacco use, and family size. Financial assistance is available exclusively through **Access Health CT (AccessHealthCT.com)** for eligible residents in the form of federal premium tax credits and cost-sharing reductions. Connecticut also runs the **Covered Connecticut Program**, offering free coverage and cost-sharing for those meeting specific income criteria (typically up to 175% FPL). Comparing options on Access Health CT is the best way to determine actual costs after potential financial help. Use our free estimate tool for baseline market rates.

How to Secure Health Insurance in Connecticut?

Connecticut residents can obtain health insurance through several avenues:

  • Employer-Sponsored Plans: Coverage offered through your or a family member's employer.
  • Access Health CT (AccessHealthCT.com): The official state marketplace to compare and enroll in individual/family plans and access financial help (subsidies and potentially the Covered Connecticut Program). Enroll during Open Enrollment or a Special Enrollment Period.
  • Directly from Insurance Companies: Purchase plans outside the marketplace (no financial help available).
  • HUSKY Health (Medicaid/CHIP): For eligible children, adults, families, pregnant individuals, seniors, and people with disabilities. Apply year-round through Access Health CT or the Department of Social Services.
  • Medicare: Federal program for those 65+ or with certain disabilities.
  • Short-Term Plans: Temporary, limited-benefit plans purchased directly from insurers (follows federal rules, availability may be limited).
Free enrollment help is available through Access Health CT via certified brokers and assisters.

The Impact of Obamacare on Connecticut Insurance Rates

The Affordable Care Act (ACA), or Obamacare, significantly shaped Connecticut's insurance market. The state established its own successful marketplace, **Access Health CT**, providing a platform for residents to compare plans and access federal subsidies. Connecticut also fully **expanded Medicaid eligibility under the HUSKY Health** program, substantially reducing the number of uninsured low-income residents. While healthcare costs remain a challenge, the ACA structure, combined with state initiatives like the Covered Connecticut Program, has increased access to comprehensive, affordable coverage options for many in the state compared to the pre-ACA environment.

Bottom Line

Finding health insurance in Connecticut involves exploring options via employer coverage, Medicare, HUSKY Health for eligible residents, or the state's marketplace, Access Health CT. Utilize Access Health CT (AccessHealthCT.com) during Open Enrollment (Nov 1 - Jan 15) to compare plans from carriers like Anthem and ConnectiCare and access potential federal subsidies or the state's Covered Connecticut Program. While short-term plans are legally permitted under federal rules, their availability and suitability should be carefully evaluated. Remember there is no state penalty for being uninsured, but coverage is crucial for financial security. Use our quote tool or estimate tool to explore your options and make informed decisions about your healthcare coverage in Connecticut.