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Choosing a Health Insurance Plan through Access Health CT

Plan Options for You & Your Family

Choosing a health insurance plan can be complex. From Bronze, Silver and Gold 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.” Before you enroll in a plan, make sure it covers your doctors, prescription drugs and any planned or expected medical services.

Plan Options Available Through Access Health CT:

At Access Health CT, all health insurance plans provide coverage for 10 Essential Health Benefits, including 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 obtaining medical care, will vary depending on the plan you have. When you shop and compare health plans through Access Health CT, you’ll see that plans can be organized by metal level (Bronze, Silver and Gold) to help show differences in costs between plans. Each metal level offers a different amount of coverage.

Short & Simple:

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

 

Visit here for more detail on each type of plan.

Are There Other Coverage Options?

Yes.

  • Catastrophic Plans:
    These plans are only available to consumers under age 30 or to 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 all other health plans. Please note, financial help is not available to lower the costs of 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 CT Program:
    The Covered CT 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 dental coverage for anyone under 26 years old. Stand-Alone Dental Plans can be an option for anyone who is over 26 years old and needs dental coverage, or for children who need dental coverage. Learn more here.
  • Business Coverage:
    We understand how important it is for you and other business owners to offer your employees quality healthcare coverage. Our BusinessPlus platform is a way to manage health benefits more efficiently with flexible options that make quality healthcare coverage possible. We can help you understand your options, and we offer expert advice and support. Learn more or get a free quote

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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