There are currently two health insurance providers in Connecticut. Connecticut residents can find affordable health insurance through the state-run marketplace, Access Health CT, not through the federal marketplace at HealthCare.gov.
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How to Buy Health Insurance in Connecticut
Some Connecticut residents may already receive health insurance through an employer or through the federal government. For those who do not, there are two private insurance companies that offer health plans through the Connecticut state exchange at Access Health CT. Health insurance in Connecticut is offered in four tiers: Catastrophic, Bronze, Silver, and Gold.
How to Apply for Health Insurance in Connecticut
The enrollment for 2023 health insurance plans in Connecticut begins on November 1, 2022. Health insurance plans in Connecticut are available to residents via Access Health CT.
Health Insurance Carriers In Connecticut
There are four health insurance carriers in Connecticut: Anthem Health Plans, Inc. Dba Anthem Blue Cross Blue Shield of CT, Connecticare Benefits, Inc., Connecticare, Inc, Connecticare Insurance Company, Inc. (source)
Connecticut Health Insurance Costs Overview
As 2023 data is not yet available, we have used statistics from 2022 to reflect costs so you can have an idea of what to expect. Current data shows that 2023 premiums will rise by 4 percent for a 27-year-old for a silver benchmark marketplace plan sold through HealthCare.gov.
How Much Does Health Insurance Cost in Connecticut?
According to the KFF, the average monthly premium for a 40-year-old resident of Connecticut is $693 per month in 2025.
What is the Cheapest Health Insurance Plan in Connecticut?
Depending on your health, the cheapest health insurance plan will be the one that covers what you need the most. Contact us to find the best plan for you!
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Cheapest Connecticut Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Connecticut in 2025 was $723.
Silver Plans
The average lowest cost premium of a Silver Plan in Connecticut in 2025 was $660.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $583.
Other Types of Connecticut Health Insurance Coverage
Catastrophic Health Insurance in Connecticut
Catastrophic health insurance plans are available to Connecticut residents under the age of 30, or those who have a hardship exemption that has been approved by Access Health CT. This type of plan typically has a low premium, but a very high deductible and high out-of-pocket costs.
Short Term Health Insurance in Connecticut
In Connecticut, short-term health insurance coverage can last no longer than six months. In addition, renewals on short-term health insurance plans are prohibited. All short-term health insurance plans must cover essential benefits such as mental health care, prescription drugs, and maternity care. Because the requirements are so significant, no insurance company currently offers short-term health insurance plans in the state.
Low Income Health Insurance in Connecticut
Medicaid, which has been expanded to Connecticut, is available for low-income individuals in the state. To qualify, applicants must be a resident of the state of Connecticut, a US national, citizen, permanent resident, or legal alien, in need of health care/insurance assistance, whose financial situation would be characterized as low income or very low income. In addition, applicants must be pregnant or responsible for a child 18 years of age or younger, blind, have a disability or live with a family member with a disability, or be 65 years of age or older.
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Sources:
Marketplace Average Benchmark Premiums, KFF, accessed 11/1/2024, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2025, KFF, accessed 11/1/2024, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D