Choose a Health Insurance Plan - Access Health CT openEnroll_start=03/25/2023
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Plan Options for You & Your Family

Choosing a health insurance plan can be complex. From Bronze, Gold and Silver level options to the different insurance companies and provider networks — there are many things to think about. That’s why it’s so important to make sure you know what you need from your health insurance plan before you pick a new one or renew your existing plan. Consider how the plan and coverage will work for you.

Here’s the Golden Rule:

When shopping for a health insurance plan, look beyond the monthly cost or “premium.” Keep your own needs in mind ─ search for your doctors, prescription drugs and consider planned or expected medical services before you apply.

Plan Options Available Through Access Health CT:

At Access Health CT, the 10 Essential Health Benefits, including some services offered at no additional cost like annual checkups and vaccines. The amount you pay each month for your health insurance premium, and the costs you pay out of your own pocket for using medical services, will vary depending on the plan you have. When you shop and compare plans through Access Health CT,  you can use our metal levels (BronzeSilver and Gold) to help show differences in costs between plans.


Short & Simple:

  • Bronze Plans: Usually have the lowest monthly premiums but have higher costs when you get medical care.
  • Silver Plans: Tend to have moderate monthly premiums, and have moderate costs when you get medical care.
  • Gold Plans: Usually have higher monthly premiums, but have lower costs when you get medical care

Visit here for more detail on each type of plan.

Are There Other Coverage Options?


  • Catastrophic Plans:
    These plans are only available to consumers under age 30 or for consumers who have received a hardship or affordability exemption from Access Health CT.  These plans have low monthly premiums and provide the lowest level of coverage compared to the metal level plans.  Please note, financial help is not available for catastrophic plans.
  • Health Coverage for Individuals and Families:
    Access Health CT partners with the CT Department of Social Services to offer enrollment in HUSKY Health programs ─ consisting of Medicaid, known as HUSKY A & D, and the Children’s Health Insurance Program (CHIP), known as HUSKY B. These programs are available at no or low-cost. More information here.
  • Covered Connecticut Program:
    The Covered Connecticut Program provides no-cost health and dental insurance to eligible Connecticut residents. More information here.
  • Dental Plans:
    All health insurance plans offered through Access Health CT include pediatric dentalcoverage as an Essential Health Benefit. In Connecticut, this is available for anyone under 26 years old. So, Stand-Alone Dental Plans can be an option for people who are over 26 years old and need dental coverage, or for children not enrolled in a health insurance plan through Access Health CT and who need dental coverage. Learn more here.
  • Small Business Coverage
    We understand how important it is for you and other small business owners to offer your employees quality healthcare coverage. Access Health CT plans are available to small businesses that have 50 or fewer full-time equivalent employees, with flexible options that make quality healthcare coverage possible ─ and we offer expert advice and support. Learn more or get a free quote here.

Still have questions?

Whether you have questions about your eligibility, comparing plans, or want to see if you qualify for financial help, our team is ready and available to assist you. Remember, all help is free!

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