There are many affordable health insurance options offered by multiple insurance companies in Connecticut. On average, residents in Connecticut can expect to spend around $530 a month for a full-coverage plan, but plans can start as low as $365 a month. Adding on vision and dental coverage will make your premium go up but will give you extra coverage. Dental add-ons start at $56 a month and vision start at $29. As with all insurers, companies in Connecticut use several factors like your age, gender, health, and household size to determine your rates.
Connecticut Health Insurance Options
According to the state’s website, Connecticut has two insurance companies that offer individual and family plans.
Anthem BlueCross BlueShield
Anthem, which offers health coverage options for you and your entire family, is one of the top health insurance companies in Connecticut. They offer basic health insurance, catastrophic, vision, dental, travel medical, and supplemental insurance.
Their provider network includes all of Connecticut’s general hospitals, almost 3,000 primary care providers, and around 5,500 specialists. That means Anthem’s customers have a wide variety of providers to choose from.
ConnectiCare offers coverage for both you and your family. They offer ACA-compliant metal-tier plans:
- Gold – Gold plans cover 80% of your healthcare costs, making your out-of-pocket costs very low. That means, though, that you will pay higher premiums for these plans.
- Silver – Silver plans cover 70% of your costs. The premiums for these plans are cheaper than for Gold plans, but more expensive than for Bronze plans. The out-of-pocket costs fall in the middle of the scale, as well.
- Bronze – These plans have the lowest monthly premiums, but they only cover 60% of healthcare costs, so your out-of-pocket expenses will be higher with these plans.
Health Insurance Marketplace in Connecticut
If you’re looking for affordable, quality healthcare in Connecticut, you can head to the health insurance Marketplace, which was created by the Affordable Care Act. Marketplace plans offer certain consumer protections, guarantee coverage for pre-existing conditions, and include coverage for what are known as the “10 essential health benefits”:
- Ambulatory patient services (outpatient care)
- Emergency services
- Pregnancy, maternity, and newborn care (both before and after birth)
- Mental health and substance use disorder services, including behavioral health treatment (including counseling and psychotherapy)
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)
Around half of uninsured people in Connecticut who qualify for Marketplace insurance coverage could get a Bronze plan for FREE.
Whether you want a Marketplace plan, or a plan from a private insurer, an EZ agent can help. We work with all carriers across the country and can compare all options available to make sure you find the right plan for you.
Connecticut’s Short-Term Health Insurance Guidelines
If you’ve missed the Marketplace Open Enrollment Period (OEP) or have a need for health insurance for a short amount of time, short-term plans are an option in some states. It’s important to note, though, that these policies tend to only cover the basics, and you can be denied one of these plans if you have a pre-existing condition.
There are federal guidelines surrounding these plans, and all states can choose to have their own guidelines, as well. In Connecticut, state guidelines say that short-term plans can be purchased for a period of 6 months, with the option to purchase an additional plan after your initial plan has expired. But as of 2019, Connecticut law requires that short-term health plans cover essential health benefits. As a result of the new laws, there are currently no short-term plans available to buy.
Connecticut Health Insurance Options
As in all states, in Connecticut, you can look for plans on your own or enroll through your employer. Connecticut even has its own state-run exchange called Access Health CT where you can find quality, affordable plans. If you’re not sure where to begin looking, or are finding the whole process time-consuming and stressful, EZ can help you sort through your options.
If your income is on the lower end of the scale, you also have other options you can look into. Government assistance in the form of Connecticut’s Medicaid program, HUSKY, might be an option for you.
HUSKY is broken down into 4 plan groups:
- HUSKY A – This plan is for adults with children or caregivers and the children in their care. It also covers pregnant women.
- HUSKY B – Also called Children’s Health Insurance Program, HUSKY B provides coverage for minors under 19 with higher-income families.
- HUSKY C – This group is for residents 65 and older, or adults with a disability such as blindness.
- HUSKY D – D covers adults between 19 and 65 who have low income, and don’t qualify for HUSKY A or C.
With all of the ways to enroll, and all of the types of plans listed above, there are plenty of options for coverage at a variety of price points in Connecticut. The best way to compare all of these options is with the help of a knowledgeable agent. EZ agents will take the time to learn your needs and can find the best plans for you. They can explain all of the pros and cons of each one, and help you select your coverage in minutes.
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How to Get the Most Savings
Connecticut is one of the most expensive states when it comes to healthcare spending per capita. They rank 14th in the nation, with an average healthcare cost per person of around $11,899 a year. With that hefty price tag, it’s important to do everything you can to save money without sacrificing coverage.
For example, your health can play a big part in your insurance premiums, so maintaining a healthy weight and lowering your body max index (BMI) is one way to save. You can also save by avoiding tobacco use: smoking can raise your premiums by up to 50%!
While the above are some of the best ways to save, the quickest way to find a plan that fits your budget is to work with an agent. EZ agents compare all the plans available to you and can find local discounts you may not be aware of. We can do this in minutes, and the best part is that our services come with no cost or obligation to you. You don’t have to do this alone, start saving today!
Connecticut Health Insurance FAQS
Does Connecticut require you to have health insurance?
The Affordable Care Act still requires all citizens to have health insurance coverage, but there is no longer a federal tax penalty for not having it. Some states, though, require you to have health insurance, but Connecticut does not.
What is the cheapest health insurance in Connecticut?
The cheapest health plan will most likely be a Bronze plan, which can start as low as $365 a month. It’s important to remember, though, that health insurance plan prices can vary depending on age, zip code, gender, and other factors. More than half of Connecticut residents that qualify for a Marketplace plan can actually get a Bronze plan for free.
How much does health insurance cost in Connecticut?
The average monthly premium for health insurance in Connecticut is $530, or $6,360 per year, with plans as low as $365 a month to as high as $1,030. But do not let these numbers scare you. More than half of uninsured people in Connecticut qualify for a $0 Bronze plan and don’t even know it.
Which insurance companies offer plans in Connecticut?
The top 4 insurers in Connecticut are Anthem Blue Cross Blue Shield, ConnectiCare, ConnectiCare Insurance Company, and ConnectiCare Benefits. You can find everything from HMOs, PPOs, and HDHPs to catastrophic insurance policies from these companies.
How to Enroll in Health Insurance in Connecticut
In Connecticut, one way to enroll in a quality, affordable plan is to use Access Health CT, the state-run health insurance exchange. You can also search for an individual plan on your preferred insurance company’s website and enroll there or speak to your employer or HR department about your group health plan options.
EZ’s agents can guide you through the enrollment process no matter which of the above options you choose, and answer all of your questions. You’ll be asked to provide information like your age, health history, income, and household size; with this information, we can compare plans for you and find the one that fits your needs and budget. We will offer you all of your options and help you make the right choice for you and your family.
If you still have questions, feel free to give us a call at 877-670-3557. When you call, you will be directly connected to a local insurance agent who can answer all of your questions and help you find the health insurance plan that works best for you.