Financial Help for Healthcare Coverage in CT - Access Health CT openEnroll_start=11/01/2021
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Financial Help

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Most people get some type of financial help, low-cost or free coverage.

The 2021 American Rescue Plan Act made more financial help available through Access Health CT for residents at virtually every income level. Many existing customers will see savings for their current plan and people may be eligible for the first time. Enter some basic information about your household to understand your options.

When you apply for healthcare coverage through Access Health CT, by providing your income and household information you will see if you qualify to get financial help to pay for your coverage. This benefit is only available through Access Health CT! You might qualify depending on:

  • Household size
  • Income
  • Home address


Types of financial help and low/no cost programs

Advanced Premium Tax Credit (APTC)

An APTC lowers your monthly payment (or premium). It is sent directly to your insurance company from the federal government. To qualify for an APTC, you:

  • Cannot be eligible for other affordable healthcare coverage through your employer or a government program, such as Medicaid
  • Must be a Connecticut resident and a citizen or lawful resident of the United States, and not in prison (other than pending final disposition of charges)
  • Must enroll in coverage through Access Health CT
  • Must have household income that falls within the MAGI range described in the chart below
Cost-Sharing Reduction (CSR)

Cost-Sharing Reduction lower the amount you pay out-of-pocket for deductibles, coinsurance and copayments when you get medical services. If you qualify for CSR, you must enroll in a Silver level plan to get these lower costs.

Covered Connecticut Program (New)

Beginning July 1, 2021, Connecticut residents that meet specific eligibility requirements will be paying $0 for their health insurance coverage through Access Health CT. The State of Connecticut will pay the customer portion of the monthly payment (premium) directly to insurance company (Anthem/ConnectiCare) and they will also pay for the cost-sharing amounts (deductibles, co-pays, co-insurance and maximum out-of-pocket costs) that customers would normally have to pay with a health insurance plan. Learn More.

Husky Health Programs: Medicaid and the Children's Health Insurance Program (CHIP)

Medicaid (or Husky Health Programs) offers free or low-cost healthcare coverage if your household meets the income requirements described in the chart below, and you are:

  • Currently pregnant
  • A single Connecticut resident who has no children, or who has children age 19 or older
  • Parents or caregivers of Medicaid-eligible children
  • A Medicaid-eligible child (under 19)

For more information about Husky Health Programs, click here.

Easy steps to see if you are eligible for financial help

  1. Give some income and household information when you apply.
  2. We will help you calculate your Modified Adjusted Gross Income (MAGI).
  3. We will let you know which program can give you the most financial help.

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