2021 Affordable Health Insurance Plans in Connecticut

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. 

During the 2020 open enrollment period, 107,833 Connecticut residents enrolled in plans through Access Health CT. The uninsured rate in Connecticut is approximately 5.3%, which is one of the lowest uninsured rates in the United States. 

Highlights and updates

  • Connecticut has a state-run marketplace, Access Health CT.
  • The Open Enrollment Period for 2022 coverage begins November 1, 2022.
  • A COVID-19 special enrollment period was created for uninsured residents in 2020.
  • Connecticut limits short-term health insurance plans to six months with no renewals.
  • The average premium increased by 3.7% in 2020.
  • Enrollment in 2020 was the lowest since 2014.
  • The Connecticut marketplace has two insurers.
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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 open enrollment for 2022 health insurance plans in Connecticut begins on November 1, 2021. Health insurance plans in Connecticut are available to residents via Access Health CT.

Health Insurance Carriers In Connecticut

There are three health insurance carriers in Connecticut: Anthem, BlueCross BlueShield and ConnectiCare.

What Are The Cheapest Health Insurance Companies in Connecticut?

The cheapest health Bronze insurance plan in Connecticut currently has a monthly premium of $309. Catastrophic health insurance coverage can be cheaper but is not considered a comprehensive coverage plan, as it is primarily intended to cover emergencies.

How Has Obamacare Helped Connecticut’s Uninsured?

The Affordable Care Act, also known as Obamacare, has been a significant success story in Connecticut. Since the ACA was passed, the uninsured rate dropped in the state, from 9.4% in 2013 to 5.3% in 2018 — this is one of the lowest uninsured rates in the country. Connecticut is one of the 32 U.S. states that has expanded Medicaid, which has resulted in an additional 160,000 residents being able to afford health insurance. 

Connecticut Health Insurance Costs Overview

The cost of health insurance in Connecticut will depend on many factors, including the carrier you choose, the tier of package you need, and other factors, including where you live and your general health status.

The following premiums are calculated for the average 40-year-old.

 How Much Does Health Insurance Cost in Connecticut?

The average monthly premium for a 40-year-old resident of Connecticut is $452 per month. 

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What is the Cheapest Health Insurance Plan in Connecticut?

Premiums for the forthcoming year in Connecticut are set by an insurer and approved by the federal health insurance exchange. In Connecticut, premiums have not fluctuated much since 2018. Bronze and Silver plans remain at a similar price-point as they did three years ago, and gold plans have seen a drop. 

Cheapest Connecticut Health Insurance Coverage by Metal Tier

Gold Plans

Gold plans are the highest tier of health insurance coverage available. This type of plan comes with higher premiums than Bronze or Silver plans, as it offers more substantial coverage, and is therefore ideal for those with chronic health issues and higher medical costs. 

Gold HMO Pathway X Enhanced Tiered
Estimated monthly premium: $486
Deductible: $1,750
Out-of-pocket maximum: $8,150

Silver Plans

Silver plans are suited to generally healthy individuals and have lower premiums than a Gold plan and lower out-of-pocket expenses than a Bronze plan. In Connecticut, those with an income below 250% of the federal poverty level may qualify for discounts toward deductibles, copayments, and coinsurance on Silver-tier plans. Silver plans are the only tier of health insurance plans that qualify for these subsidies. 

Choice Silver Standard POS (also offered by ConnectiCare)
Estimated monthly premium: $503
Deductible: $4,300
Out-of-pocket maximum: $8,150

Bronze Plans

Bronze plans are ideal for young, generally healthy people who have enough money saved to pay the high out-of-pocket costs associated with a low monthly premium. 

Passage Bronze Alternative PCP POS
Estimated monthly premium: $309
Deductible: $6,500
Out-of-pocket maximum: $8,150

Connecticut Health Insurance Costs by Occupation

What is the average cost of health insurance for a student in Connecticut?

In Connecticut, children can stay on their parent’s health insurance plan until they are 23 years old. However, college students who marry, lose their status as a dependent under their parents’ health insurance plans. (Source)

Most universities in Connecticut require that students be enrolled in health insurance. Many post-secondary schools in Connecticut provide health insurance plans to their students. At the University of Connecticut, health insurance fees range from $1,733 to $2,946. (Source)

What is the average cost of health insurance for self-employed people in Connecticut?

Self-employed individuals will not have access to the health insurance coverage provided by an employer. They must therefore purchase a plan for themselves or their families from a private carrier. The cost of this coverage will vary depending on individual and family needs. Please refer to our list of Cheapest Connecticut Health Insurance Coverage by Metal Tier. 

What is the average cost of health insurance for small business owners in Connecticut?

Access Health CT has an official insurance marketplace for small businesses, Access Health CT Small Business. There are four types of group health insurance plans available for small business owners to offer to their employees — PPO Health Insurance Plans, HMO Health Insurance Plans, HSA-Qualified Health Insurance Plans, and Indemnity Health Insurance Plans — all of which come with different levels of coverage, and different fees (such as premiums, deductibles, out-of-pocket fees and copays). (Source)

In some cases, up to 50% of a business’ contributions to employees premiums, or up to 35% for tax-exempt small businesses, qualify for tax credits (Source)

Connecticut Health Insurance Costs by Number of Participants

What is the average cost of health insurance for families in Connecticut?

The cost of health insurance will depend on the number of people being insured. The cost of a Silver-tier plan for a family of four with two children under the age of 14, earning the average household income for Connecticut of $60,365, is $1,897 per month. With financial help available to individuals at this income level, those premiums could be as low as $395 per month. 

What is the average cost of health insurance for individuals in Connecticut?

The cost of health insurance for an individual in Connecticut will depend on their plan tier and any changes to personal health or existing health conditions. The average cost of health insurance for an individual in Connecticut is currently $452 per month.

What is the average cost of health insurance for a child in Connecticut?

Connecticut’s Children’s Health Insurance Program (CHIP) is known as HUSKY B. The program provides a free or low-cost health insurance program for children and youth up to age 19 for families who are not income-eligible for HUSKY A (Medicaid). HUSKY B premiums are $30 for one child and $50 for a plan with more than one child. (Source)

 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 in Connecticut, is available for low-income individuals in the state. To qualify, applicants must be a resident of the state of Connecticut, a U.S. 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. 

In 2018, Medicaid provided insurance to 800,000 Connecticut citizens, roughly 22% of the state’s population. (Source)

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