Some Connecticut residents pay $0 for their health and dental insurance through the Covered CT Program. This Program, created by the State of Connecticut and administered by the CT Department of Social Services (DSS), offers free health insurance, dental coverage and some Non-Emergency Medical Transportation, such as getting you to and from medical appointments.
- The Program is only open to those who qualify. When you apply for health coverage through Access Health CT, we can check to see if you qualify for the Covered CT Program.You must be a Connecticut resident, ages 19-64, and:
- Have a household income up to and including 175% of the Federal Poverty Level (FPL) and be ineligible for HUSKY Health/Medicaid due to your income.
- Be eligible for financial help, including Advance Premium Tax Credits (APTCs) and Cost Sharing Reductions (CSRs), and use 100% of the financial help available to you.
- Enroll in a Silver Plan through Access Health CT. You need to stay enrolled in the Silver Plan for the duration of the plan year.
If your household income makes you eligible for HUSKY Health/Medicaid, you can’t enroll in the Covered CT Program. Medicaid provides complete benefits; please contact DSS for more information.
- If you qualify for the Program, the State of Connecticut will pay your portion of costs. The State will send your portion of the monthly payment (premium) directly to your insurance company (Anthem, ConnectiCare Benefits Inc. or ConnectiCare Insurance Company Inc.). The State will also pay for the cost-sharing amounts that you would typically have to pay with a health insurance plan when you visit a doctor, such as deductibles, copays and coinsurance.
- All health plans covered by the Covered CT Program include the 10 Essential Health Benefits. This means you will have coverage for wellness and preventive services, emergency services, outpatient care, hospitalizations, prescription drugs and more. Your dental coverage will cover cleanings, oral exams, x-rays, and more. More information about the dental benefits and covered providers is available from the Connecticut Dental Health Partnership.
Still have questions?
Access Health CT is here to help. All help is always free. We’ll answer your questions about the Covered CT Program and help you enroll. If you don’t qualify for the Covered CT Program, you may still qualify for other financial assistance, and we can help you select the coverage that best fits your and your family’s needs.
- Find free help and resources on our Get Help page.
- Call us at 1-855-805-4325. Customers who are deaf or hearing impaired may use the TTY at 1-855-789-2428 or contact us at 1-855-805-4325 with a relay operator. Check our website for special hours and holidays. We speak more than 100 languages.
- Find a Certified Broker near you who can help you select coverage that is best for your and your family’s needs.
- Schedule an appointment with an Enrollment Specialist for free one-on-one help.
