Connecticut Health Insurance Guide

Health Insurance Overview in Connecticut

Connecticut operates Access Health CT, a state-based marketplace. Connecticut expanded Medicaid (HUSKY Health) significantly and has a long history of coverage expansion preceding the ACA. Connecticut has relatively high insurer competition on its marketplace and strong consumer assistance programs. The state has implemented additional consumer protections beyond federal ACA requirements.

Average Health Insurance Costs in Connecticut

Marketplace Enrollment in Connecticut

Connecticut residents can enroll in individual and family health insurance plans through Access Health CT (State-Based). Open enrollment runs November 1 – January 15 (Access Health CT).

Average Premiums by City in Connecticut

Medicaid in Connecticut

HUSKY Health covers adults with incomes up to 138% of the federal poverty level. Connecticut has a history of Medicaid expansion preceding the federal ACA.

Children's Health Insurance (CHIP) in Connecticut

HUSKY B covers children in families with incomes up to 323% of the federal poverty level.

What Makes Connecticut Unique

Connecticut implemented a form of Medicaid expansion before the ACA — the state had already expanded coverage to low-income adults through its HUSKY program. Connecticut's long history of coverage expansion means a relatively high percentage of its residents have health insurance compared to states that did not expand coverage until the ACA.

ACA Subsidies: What Connecticut Residents Should Know

The enhanced subsidies first enacted in the American Rescue Plan expired at the end of 2025. For 2026, premium tax credits follow the original ACA rules: there is no credit above 400% (the “subsidy cliff”), and enrollees are expected to pay up to 9.96% of income toward the benchmark Silver plan. House in January 2026 but has not become law, so 2027 plans are being priced and subsidized under the same rules unless Congress acts.

Connecticut’s Marketplace for 2027: Insurers, Rates, and Dates

Connecticut residents enroll through Access Health CT. Full-price premiums rose about 16.8% on average for 2026, before subsidies. 3 insurers sold plans for 2026; ConnectiCare Insurance Company (moving off-exchange) is leaving for 2027, so its enrollees need to choose a new plan. Proposed 2027 changes average about 16.2% before subsidies.

About 157,000 people enrolled for 2026. About 79% received premium tax credits, and the average net premium after credits was about $100 a month.

Open enrollment for 2027: confirm the 2027 closing date with Access Health CT; state-based exchanges must close enrollment by December 31.

What’s Different About Health Coverage in Connecticut

Connecticut set aside about $70 million to offset the loss of enhanced federal credits for 2026, fully covering the reduction for households at 100–200% FPL. Covered Connecticut provides zero-premium, zero-cost-sharing coverage to eligible adults up to 175% FPL. Despite the national decline, Connecticut’s marketplace enrollment reached a record in 2026.

Tips for Choosing Health Insurance in Connecticut

Connecticut residents should enroll through Access Health CT to access available subsidies. HUSKY Health Medicaid provides comprehensive coverage for low-income residents. Connecticut's consumer assistance programs can help residents navigate plan selection. Silver plans with cost-sharing reductions provide excellent value for eligible residents.

• Enroll during open enrollment (November 1 – January 15 (Access Health CT)) — missing the deadline means waiting until the next open enrollment unless you have a qualifying life event.

Frequently Asked Questions

Which insurers are leaving the Connecticut marketplace for 2027?

ConnectiCare Insurance Company (moving off-exchange) is leaving for 2027. Enrollees with that insurer should choose a new plan during open enrollment; an automatic replacement may have a different network or drug list.

When is open enrollment in Connecticut for 2027?

Confirm the 2027 closing date with Access Health CT; state-based exchanges must close enrollment by December 31.

How much do Connecticut marketplace enrollees pay after subsidies?

In 2026 about 79% of Connecticut enrollees received premium tax credits, and the average net premium was about $100 a month. There is no credit above 400% of the federal poverty level.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and program eligibility rules as of 2026. Health insurance premiums, Medicaid eligibility thresholds, marketplace options, and program rules change annually. Always verify current eligibility and enrollment options at the official Access Health CT (State-Based) or by contacting a certified navigator or broker. Premium figures shown are approximations before subsidies — actual net premiums depend on individual income, household size, and plan selection.