It’s that time of year. Open Enrollment for health and dental coverage through Access Health CT (AHCT) kicks off November 1. This is your opportunity to shop, compare and enroll in health or dental coverage or change your current health or dental plan for 2026.
Whether you’re enrolling for the first time or renewing existing coverage, we have the information you need to explore your options.
Deadlines
For coverage starting January 1, 2026, you must enroll by December 15, 2025. If you enroll between December 16, 2025, and January 15, 2026, your coverage will not begin until February 1, 2026.
A Wide Range of Coverage Options
This year, we have from high-quality insurance carriers to choose from, categorized by metal level. Gold plans have the highest premiums, but lowest costs when you use your plan. Silver plans have moderate premiums and moderate costs when you use your plan. Bronze plans have the lowest premiums, but the highest costs when you use your plan. You can select a plan that best meets your health needs and fits your financial situation.
Essential Health Benefits Are Included
All health plans offered through AHCT provide coverage for 10 Essential Health Benefits. This means all our coverage options cover emergency room care, hospitalization, prescription drugs, mental health services, and more. These services are an essential part of making sure you get the care you need when you need it. Learn more about Essential Health Benefits.
Dental Coverage
Most health plans offered through Access Health CT include pediatric dental coverage for anyone under 26 years old. Some plans offer limited dental coverage for adults, or you can choose to enroll in a Stand-Alone Dental Plan through Access Health CT. When making your coverage decisions, you can pick what best fits your needs and choose to enroll in just a health plan, just a dental plan or both.
Financial Help Is Available
Worried about the costs of health coverage? You’re not alone. Financial assistance is available and may help lower the amount you pay monthly to your health insurance company (premium) and expenses not paid by your insurance company (out-of-pocket expenses).
As Connecticut’s official health insurance marketplace, Access Health CT is the only place where you can qualify for financial help to lower your costs. You may qualify for low- or no-cost coverage through HUSKY Health Programs (Medicaid and the Children’s Health Insurance Program (CHIP)) or the Covered CT Program.
Free Enrollment Assistance
Comparing and selecting health or dental coverage options can be complicated, but you don’t have to do it alone. Whether you have questions about benefits, premiums and deductibles, or want to see if you qualify for financial help, free enrollment assistance is available. Our team is ready and available to assist you.
- Visit our website at AccessHealthCT.com
- Live chat: AccessHealthCT.com; click the “Live Chat” icon
- Working with a certified insurance broker can help you find the best plan tailored to your needs. Find a Broker or CAC near you.
- Phone: 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 (we speak over 100 languages).
- Attend one of our Enrollment Fairs
- Schedule a free one-on-one enrollment session.
Explore Your Options Now
Remember, Open Enrollment begins November 1. Take time now to evaluate your healthcare needs and current coverage to see if better options are available. If you are currently enrolled in coverage through Access Health CT, look for a renewal notice in your mail or online account inbox with instructions on how to renew your coverage.
With financial help, free enrollment assistance and many plan options, you’ll be able to make choices about your health and dental coverage this year. Don’t miss out ─ get ready to act on November 1!
