Affordable Plan Options for You & Your Family
Choosing a health insurance plan can be complicated. From different metal level options, to understanding the coverage, and different insurance companies and provider networks…there are so many things to take into account. This is why before you pick a new plan or you renew your plan, make sure you know how the plan and coverage for doctors, services and prescriptions works.
And Here’s the Golden Rule
Look beyond the monthly cost or premiums. Keep your own needs in mind – search for your doctors, prescription drugs and consider expected medical services before you apply.
New to Access Health CT?
Access Health CT (AHCT) is Connecticut’s official health insurance marketplace where you can shop, compare and enroll in quality healthcare plans. And, it is the only place where you can qualify for financial help to lower your costs or be eligible for free, or low-cost coverage through HUSKY Health (Medicaid and the Children’s Health Insurance Program also known as “CHIP”).
What you need to know about
Plan Options Available Through Access Health CT
Short & Simple:
- Bronze Plans: Sometimes have the lowest monthly payments, higher costs when you get care
- Silver Plans: Sometimes have moderate monthly payments, moderate costs when you get care
- Gold Plans: Sometimes have higher monthly payments, but lower costs when you get care
Note: Plans with lower monthly premium payments usually have higher costs when you get care and/or may not cover services from a provider that is not included in the Plan Network. A plan network includes specific doctors, hospitals, pharmacies, and other health care providers who have contracted with the health insurance company.
Want More Detail?
Here it is.
- Bronze Plans – may have lower monthly premium payments but may require you to meet high deductibles before the plan starts paying for the services you receive. This means bronze plans may be cheaper to have, but more expensive to use.
Is this plan for you? They may be a good option for people who do not think they will need to use their coverage but want protection against the high costs of serious health events or issues or for those who qualify to use pre-tax dollars to pay for healthcare costs through a Health Savings Account (HSA).
- Silver Plans –may offer moderate monthly premium (payments) costs.
Some services are covered with a copay or coinsurance right away when you use your Silver plan. Silver plans through Access Health CT also have separate, much smaller deductibles for prescription drugs which can provide you with greater access to these benefits.
Is this plan for you? They may be a good option for people who may use services from time to time or for people who qualify for Cost-Sharing Reductions (CSR).
Pay close attention to this:
Cost-Sharing Reductions (CSR) lower the amount ($) you pay out-of-pocket for deductibles, coinsurance and copayments when you get medical services. If, based on your income you qualify for CSRs, you must enroll in a Silver level plan to get these lower costs.
- Gold Plans — offer greater coverage but may come with a higher monthly price tag.
Many Gold plans have low deductibles and often, low out-of-pockets costs when you receive care.
Is this plan for you? They may be a good option for people who use services more frequently or who want the assurance that if they need care, they will have lower out-of-pocket costs.
At Access Health CT you can shop for plans that all cover a set of 10 essential health benefits, including some services offered at no cost like annual checkups and vaccines.
Now, let’s cover Catastrophic Plans…
What are they & how do they work.
Catastrophic Plans are available to people younger than 30 years old or to those who have been granted a hardship or affordability exemption from Access Health CT. You are not eligible to get financial help to pay for these plans.
These plans have low monthly premiums (payments), but only cover 3 primary care visits per year before the plan deductible is met, so require you to meet the plan deductible for all other covered services before the plan provides coverage. These plans generally have higher levels of out-of-pocket costs than other types of plans.
Are There Other Coverage Options?
Yes. Access Health CT partners with the Department of Social Services to offer enrollment in HUSKY Health programs– Medicaid, known as HUSKY A & D or the Children’s Health Insurance Program (CHIP), known as HUSKY B. These programs are available at NO Cost or LOW Cost. More information here.
Got it. Where do I Start?
Access Health CT makes it easy for you to compare plan options and consider the costs associated with visiting your doctors, taking prescription drugs, and how often you use medical services.
When choosing a plan, think about costs beyond your monthly payment (premium). Pay attention to your yearly deductible, co-payments, or co-insurance costs and review the plan’s network of providers. Plans with the lowest monthly payments are not always the cheapest option for you and your family.
Note: Please know that a Certified Broker can help you review your healthcare coverage needs and advise you on different options (and this help is free!).
Ok, I’m ready to Compare Plans
As Easy as 1.2.3
- Visit AccessHealthCT.com and click on “Compare Plans”
- Answer the questions on the screens
- Based on your answers, you will see different plan options and your potential total costs to consider for doctors, prescription drugs and how often you use medical services.
Please note that if you qualify for Medicaid/CHIP, or if you are an American Indian or Alaska Native, you can enroll any time of year. Otherwise, enrollment in a private health insurance plan is only permitted during the annual Open Enrollment period, or during a Special Enrollment period due to a qualifying life event.
Let’s Cover Financial Help,
Low-Cost & Free Coverage!
Did you know that over 90% of our customers get some type of financial help, or are eligible for free or low-cost coverage? By including your income and household information when you apply for healthcare coverage, you can see if you are eligible. You might qualify depending on your household size, income and where you live.
Get to Know our Insurance Companies & Our Partner
Access Health CT connects you to brand-name insurance companies like Anthem Blue Cross & Blue Shield and ConnectiCare where you can buy Qualified Health Plans (or QHPs), and partners with the Department of Social Services to offer enrollment in free, or low cost coverage through HUSKY Health (Medicaid & Children’s Health Insurance Program).
Are You a Small Business Owner?
Offer your employees affordable coverage with Access Health CT Small Business
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.
Did We Tell You That All Help Is Free?
Yes! Whether you have questions about your eligibility, comparing plans, or if you qualify for financial help; our team is ready and available to help!
- Visit our website at AccessHealthCT.com
- Live chat: AccessHealthCT.com click “Live Chat” icon
- Phone: 1-855-805-4325 or TTY 1-855-789-2428 (we speak over 100 languages)
- Get help from Certified Brokers or Enrollment Specialists here
- For help with group health insurance call: 1-855-762-4928