NOTE: The 2015 Open Enrollment period for individual health and dental insurance is now closed. The next Open Enrollment period, for 2016 coverage, begins on November 1, 2015 and ends on January 31, 2016.
Enrollment in Medicaid (HUSKY) and the Children's Health Insurance Plan (CHIP) is open year round for eligible persons and families. You may also still be eligible to enroll in coverage throughout the year if you or a member of your household has experienced a Special Enrollment Qualifying Life Event in the past 60 days or you will in the next 60 days. Qualifying Life Events may include: child birth, adoption, death of a member of the household, marriage, loss of current health care coverage, loss or reduction in employer insurance contributions, new legal CT or U.S. residency, or U.S. lawful presence. Please call our contact center at 855-805-4325 to see if you may qualify.
Different programs to help with the cost of health care are available for qualifying applicants. Your household income is an important factor in your eligibility for these programs, which can reduce your cost for health care coverage.
The total, combined income of every member of the household. Income includes, but is not limited to: wages and salaries, pensions, unemployment compensation, disability payments, alimony payments received, rental income, as well as any personal business, investment, or other kinds of income received.
MAGI (Modified Adjusted Gross Income)
Your MAGI (Modified Adjusted Gross Income) number is the "income" number you should use to determine your eligibility for Medicaid/CHIP (HUSKY), Advanced Premium Tax Credits and Cost Sharing Reductions. This list shows you how you should calculate MAGI including which types of income to add in and amounts that you can subtract or ignore in order to get your MAGI number. Your MAGI number should be used wherever you see the word "income" on your application.
INCOME YOU MUST INCLUDE IN YOUR MAGI
Wages, salaries, overtime and tips (earned income)
Alimony you receive
**CHILD SUPPORT AMOUNTS PAID TO YOU ARE NOT PART OF YOUR MAGI INCOME AND DO NOT NEED TO BE COUNTED AS INCOME
Taxable amount of pension, annuity or IRA distributions
Social Security benefits (both taxable and non-taxable portions)
Business income, farm income, capital gain, other gains (or loss)
Real estate rental income, royalties, partnership income, S corporation income, trust income, etc.
Taxable refunds, credits, or offsets of state and local income taxes
Foreign earned income & housing expenses for Americans living abroad (calculated on a Form 2555)
Tax-exempt interest (interest on tax free bonds, i.e. municipal bonds) (Line on 8b on a Form 1040)
Other income including: Canceled debts, court awards, jury duty pay, gambling income or awards
AMOUNTS YOU SHOULD SUBTRACT FROM LIST ABOVE OR NOT INCLUDE WHEN YOU CALCULATE YOUR MAGI
Certain self-employed expenses (Deductible part of self-employment tax; SEP, SIMPLE, and qualified plans; health insurance deduction)
**CHILD SUPPORT AMOUNTS PAID BY YOU ARE NOT SUBTRACTED FROM YOUR INCOME
Student loan interest deductions
Tuition and fees
Educator expenses (school supplies purchased by qualified teachers)
Qualified moving expenses (if you must move because you/your spouse take a new job)
Penalty for early withdrawal of savings
Health savings account deductions
Domestic production activities deductions
Certain business expenses of reservists, performing artists, and fee-basis government officials
Note: Some of these tax deductions are subject to dollar limits and may only be subtracted up to those limits.
For HUSKY (Medicaid and CHIP) Eligible/recipients ONLY, the following will not be counted in income
Scholarships, awards, or fellowship grants used for education purposes and not for living expenses
Certain American Indian and Alaska Native income derived from distributions, payments, ownership interests, real property usage rights, and student financial assistance
An amount received as a lump sum is counted as income only in the month received