Best Connecticut Health Insurance 2023

If you want to purchase the best health insurance in Connecticut, we’ve listed some of the most popular health insurance providers and their plans.

There are multiple options you can consider if you want to apply for Connecticut health insurance.

The state of Connecticut basically enrolls interested candidates through a state marketplace called Access Health CT. This is Connecticut’s official healthcare marketplace. You can find additional details and information related to this marketplace there.

State residents can get health insurance in Connecticut through Access Health CT or private providers during open enrollment. Those who happen to miss the enrollment period are eligible to purchase a short-term Connecticut low-cost health insurance plan that goes up to six months.

There are many options for health insurance in the state, but if you want to purchase the Best health insurance in Connecticut, we’ve listed some of the most popular health insurance providers along with a comparison of their plans. Also, to inform about rates nationwide – make sure to check out our list of best health insurance providers in the United States. 

List of Providers and Comparison of Plans

Connecticut health insurance plans offer unique features and benefits and differ in terms of pricing, length of the insurance period, coverage and non-coverage options, etc.

It all depends on which Connecticut health insurance company you choose and are willing to work with.

Take a look at our top picks for health insurance in Connecticut for you and your family.

Anthem Blue Cross Blue Shield Connecticut

This is one of the top health insurance providers in Connecticut, and it offers health coverage plans for you and your entire family. Anthem is also known as the largest for-profit managed health care company in the Blue Cross Blue Shield Association (BCBS).

Anthem Blue Cross Blue Shield is known for its budget-friendly plans that look after your health needs and requirements. Even if you are looking for extra coverage options such as vision or dental insurance, they’ve got you covered.

You can review their health plan options on their main website in order to be able to decide what works best for you and your family.

They have basic health insurance, vision insurance, dental insurance, travel medical insurance, supplemental insurance, group health insurance, Medicare, and Medicaid.

Some other coverage programs include:

Catastrophic Coverage Plans

This is a low payment option with a high deductible that offers protection during health crises. In order to be eligible for this plan, you must be below 30, exactly 30, or older than 30 with approval from Access Health CT.

Medicaid Eligibility

Medicaid coverage applies to all those who are in need of income assistance, are disabled, or are suffering from a chronic condition.

ConnectiCare

This is another one of the most popular Connecticut health insurance companies in the state, with coverage options for both individuals and families.

Each plan offered by this company comes with a ‘metal level,’ which includes the amount that the plan for the services covered by it requires.

The following are the three plan levels offered by ConnectiCare.

Metal Level	Premiums	Out-of-Pocket Costs	Plan Pays*
Gold Plans	Higher	Lower	80%
Silver Plans	Moderate	Moderate	70%
Bronze Plans	Lowest	Highest	60%

*Average amount plan pays for covered services.

UnitedHealthcare

UnitedHealthcare (UCH) aims to breakdown the complex health system into a simple one so that you can decide which health insurance plan works best for you.

This health insurance in Connecticut offers a variety of plans coupled with a range of hospitals, doctors, and clinics located all across the nation for your ease.

Some of its basic health insurance plans include:

Medicare and Medicaid

Medicare is aimed at people aged 65 or above, as well as those who are disabled.

On the other hand, Medicaid targets individuals with lower incomes.

Self-Employed Plans

This is for individuals who are self-employed and are looking for individual coverage. UnitedHealthcare makes it easy for you with a number of individual plans, easy to use resources, and tools.

Short Term Insurance

This is a flexible health insurance coverage plan particularly designed for those looking for coverage for a short period. It’s an ideal option for you if you are:

• Struggling between jobs
• Turning 26 and using your parents’ insurance
• Not able to apply for ACA (Affordable Care Act) due to missing the deadline
• Waiting for ACA to start

Bright Health Insurance Company

With the aim to make you ‘Feel good about your health insurance,’ Bright Health Insurance Company offers simple insurance plans and packages at low rates to help make you feel better than ever.

Here are some of its health insurance plans that have been created for you, keeping in mind the challenges that come with buying healthcare coverage.

Gold Plans

This plan provides generous coverage and is meant for people who are likely to use their coverage more often, such as for ongoing prescriptions, provider visits, etc.

Silver Plans

If you plan to use your insurance occasionally and prefer lower deductibles, the silver plan is best for you.

Bronze Plans

This comes with lower premiums and is catered towards individuals that wish to minimize their monthly premiums. However, it does become expensive with increased usage, especially in the case of a high-cost health incident.

Catastrophic Plans

Are you under 30, want low premiums, and expect the least amount of medical incidents?

If yes, the catastrophic plan is your best option. It primarily includes three primary care visits, and you can only avail of other benefits once the MOOP (maximum out-of-pocket) has been reached.

Average Cost of Health Insurance by Family Size in Connecticut

Before buying insurance coverage, many people want to find out the average health insurance cost in Connecticut.

More health insurance obviously comes with higher rates.

To give you an idea, here is a basic breakdown of an average Connecticut health insurance quote.

Bronze	Silver	Gold
$340	$547	$533

 

It’s essential to note here that actual prices can depend on zip code, age, gender, and other factors.

Group Health Insurance Cost vs. Individual Health Insurance Cost

 

	Individual Health Insurance	Group Health Insurance
Self only	$388/month	574/month
Family	$1520/month	$1634/month

 

Know Your Monthly Premium

When reviewing individual or family health insurance plans, it is important for you to know that a basic plan includes five different types of costs: premium, deductible, copay, coinsurance, and member out-of-pocket maximum.

• Premium – monthly payment of your plan
• Deductible – payment before the plan
• Copay –payment every time you visit a health care provider
• Coinsurance – cost percentage that you pay after you meet your deductible
• Member out-of-pocket maximum – the most you will pay annually for coverage

Connecticut Health Insurance Guide and Resources

Connecticut residents and business owners can access quality healthcare coverage through the Connecticut health insurance marketplace. Access Health Connecticut is the state’s official marketplace, which aims to improve healthcare quality and reduce health disparities.

Types of Health Insurances Provided

• Employer-provided for you and your family
• Private health insurance for individual or family plans
• Visual insurance
• Dental insurance
• Medicare
• Medicaid
• Dual Eligible Special Needs Plans (DSNP)
• Children’s health insurance program

Government-Assisted

There are many Connecticut health insurance coverage plans that are government-assisted in order to help those who don’t have the means or resources to do so by themselves.

Connecticut Medicare

This is a government-assisted Connecticut care health insurance plan aimed at older adults aged 65 or above.

Medicare coverage

There are 2 main types of Medicare coverage: Original Medicare (Part A and Part B) and Medicare Advantage Plan (Part C). There are particular situations when people tend to enroll in Medicare. In some situations, people might be able to get Medicare without even having to apply, while others will need to go through the application process.

Connecticut Medicaid (HUSKY)

This is a type of insurance program is designed for different groups of people.

HUSKY A coverage is for children, their parents and/or relative caregivers, as well as pregnant women.

HUSKY B, also known as Children’s Health Insurance Program, is for uninsured children under age 19 in higher-income households.

HUSKY C is targeted towards Connecticut residents aged 65 or older; or who are aged 18 up to 65th birthday and who are blind, or who have another disability.

HUSKY D, also known as Medicaid for the Lowest-Income Populations, is for those residents between the age brackets of 19-65 that do not receive Medicare and don’t qualify for HUSKY A.

Tips to Save on Health Insurance in Connecticut

There are multiple cost-effective ways to save on Connecticut state health insurance.

These are some factors that contribute to your Premium costs:

•         Body mass index (BMI)
•         Tobacco use/ smoking
•         Age
•         Location
•         Cost-sharing reductions
•         Should you apply as family or individuals
•         Pre-existing conditions
•         Gender
•         Insurance and medical history