Best Health Insurance Plans in Connecticut

See Your Plans

Compare Health Insurance Plans in Connecticut

Connecticut has some of the best health care options for residents in the nation. According to a study by US News, the state has the fourth best health care in the country. That study is based on access, quality, and good public health.

Health Care Choices in Connecticut

According to the Connecticut Insurance Department, there are several ways for residents to access health care.

  1. Employer-provided
    1. From your employer
    2. Through your spouse's employer
    3. Through COBRA
  2. Individual or family plans
    1. Through Connecticut’s health care marketplace
    2. Directly from a health insurance company
  3. Government-assisted
    1. Medicare
    2. Medicaid (HUSKY)

Where do most Connecticut residents get their health insurance coverage?

Connecticut Health Insurance Sources
Sources Percent
Employer-Provided 54%
Individual or family 6%
Medicaid 20%
Medicare 14%
Uninsured 6%
Source: Kaiser Family Foundation, Health Insurance Coverage of the Total Population

Six percent of CT residents are uninsured, significantly less than the national average. That’s great news for policyholders! Why? More uninsured people leads to higher costs for insured people.

Connecticut Health Insurance Costs and Rate Factors

CT residents spend an average of $9,859 per year on health care, more than the national average. What determines your health care costs in your state? Rates vary person to person, but are primarily based on these factors:

Get affordable health insurance in Connecticut
Ready to see if you're eligible?
Find Plans

Body Mass Index

According to the CDC, a high body mass can lead to several serious health conditions. That’s why health insurance companies analyze your BMI to determine your risk-level. A high BMI leads to higher monthly premiums.

In 2016, CT had a 26 percent obesity rate, the 10th lowest rate in the country. Out of the many state residents who used QuoteWizard to compare health insurance plans, 32 percent have a BMI in the obese range.

Tobacco Use

It’s no surprise that smokers pay more for health insurance due to the numerous health conditions tobacco causes. About 13.3 percent of CT residents are smokers, the fourth lowest rate in the country.

Age

According to HealthCare.gov, a plan for an older person costs up to three times more than a younger person. CT residents who used QuoteWizard to shop for health insurance are, on average, 42 years old.

Plan Type

If you want more health coverage, you’re going to have higher rates. Marketplace plans come in metal tiers: bronze, silver, gold, and platinum.

So, how much should you expect to pay in CT? These are the average monthly costs for a middle-aged state resident in 2018:

Connecticut Martketplace Plan Rates
Bronze Silver Gold
$341 $543 $607
Source: Kaiser Family Foundation, Change in Average Marketplace Premiums by Metal Tier

Gold plans in CT costs about 78 percent more than bronze plan. That price increase is because gold plans cover 80 percent of medical costs, whereas bronze plans only cover 60 percent of medical costs.

You may also qualify for a catastrophic plan, the lowest level of coverage available in the marketplace. These plans are available to people who have financial exemptions or are under the age of 30. They come with low monthly premiums but a yearly deductible of $7,150.

A catastrophic plan essentially exists to prevent you from going bankrupt after a medical emergency. Purchasing a bronze or silver plan may save you money if you need to use your health insurance.

Location

Your zip code plays a major role in your monthly premiums. That’s because every state has different rules, regulations, and providers regarding insurance.

Also, health insurance companies use a community-rating system to determine your prices. Rates depend in part on the combined claims everyone files. That means if your state files a high number of claims, your prices could jump.

That’s why living in a health-conscious state could lead to lower health insurance rates. According to America’s Health Rankings, CT is the fifth healthiest state in America!

Connecticut Health Insurance Companies

CT has an expanded health care marketplace, which include these health care companies:

These companies offer both individual and family plans in your state. The policy you qualify for may depend on the county you live in. Use Access Health CT to find out how coverage varies and apply for health plans.

Connecticut Health Insurance Laws

The Affordable Care Act mandates what insurers can consider while pricing your policy.

There’s a limit to how much you pay out-of-pocket for a marketplace plan. In 2018, the yearly out-of-pocket maximum is $7,350 for an individual plan and $14,700 for a family plan.

As a CT resident and Access Health CT member, health insurance companies are required to offer coverage for the following services:

  • Emergency room visits
  • Lab tests
  • Inpatient care
  • Preventative care
  • Prescription drugs
  • Care before and after birth
  • Mental health and substance abuse treatment

There are additional services insurance companies need to provide. Find the full list of essential health benefits on Access Health CT.

Medicare and Medicaid in Connecticut

Medicare and Medicaid are both government-funded health care programs. They offer affordable coverage to people in need. Medicare aids seniors, whereas Medicaid helps low-income families and children.

Medicare

CT residents 65 and over qualify for Medicare. There are several options within the program including parts A, B, C, D, and supplemental coverage plans. You may also qualify for one of these Medicare Savings Programs:

Qualified Medicare Beneficiaries (QMB):

  • Single person with a monthly income below $2,135.32.
  • Couple with a monthly income below $2,894.92.

Special Low Income Medicare Beneficiaries (SLMB):

  • Single person with a monthly income below $2,337.72.
  • Couple with a monthly income below $3,169.32.

Additional Low Income Medicare Beneficiaries (ALMB):

  • Single person with a monthly income below $2,489.52.
  • Couple with a monthly income below $3,375.12.

Medicaid

Connecticut is a state with an expanded Medicaid program called HUSKY. These are the state’s Medicaid financial requirements:

Connecticut Medicaid Financial Requirements
Household Size Maximum Yearly Income
1 $15,800
2 $21,307
3 $26,813
4 $32,319
5 $37,825
6 $43,331
7 $48,851
8 $54,384

Connecticut Insurance Department

Website:
Homepage
Insurance Commissioner:
Katharine L. Wade
Insurance Hotline:
(800) 203 – 3447
Office Hours:
Monday - Friday
8:00 am to 4:30 pm
File a Consumer Insurance Complaint
Complaint Page

QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.