Financial Help

Advanced Premium Tax Credits (APTCs)

APTCs lower your monthly payments (premiums). A Premium Tax Credit (PTC) can be taken in advance (in the form of APTCs) or claimed on your federal income tax return. APTCs are sent directly to your insurance company from the federal government. To qualify for APTCs, you:

Cannot be eligible for other affordable healthcare coverage through your employer or a government program, such as Medicaid, TRICARE, Medicare or Veterans Affairs benefits.

• Must be a Connecticut resident and a U.S. citizen or lawfully present in the U.S., and not incarcerated (other than pending final disposition of charges).
• Must enroll in a Qualified Health Plan (QHP) offered through Access Health CT.
• If you are married, you must file a joint federal income tax return (unless you are a victim of domestic abuse or spousal abandonment).
• You must not be claimed as a dependent on anyone else’s federal income tax return.
• You must file a federal income tax return for the year that you received any APTCs and an IRS Form 8962 with your return to make sure that you got the correct amount of APTCs during the year.

Cost-Sharing Reductions (CSRs)

CSRs lower the amount you pay out-of-pocket for deductibles, co-insurance and co-payments when you get medical services. If you qualify for CSRs, you must enroll in a Silver-level plan to get these lower costs.

Covered CT Program

Some Connecticut residents who meet certain eligibility requirements are paying $0 for their health insurance coverage through Access Health CT, thanks to the Covered CT Program (opens in new window), created by the State of Connecticut. IMPORTANT: You can enroll at any time you become eligible, and your coverage starts the first of the month following your enrollment.

The State of Connecticut will pay a customer’s portion of their monthly payment (premium) directly to the customer’s insurance company (Anthem, ConnectiCare Benefits, Inc. or ConnectiCare Insurance Company, Inc.) and it will also pay for the cost-sharing amounts (deductibles, co-pays, and co-insurance) that customers would typically have to pay when obtaining medical care.

Learn More about the Covered CT Program and see if you qualify (opens in a new window).

HUSKY Health Programs: Medicaid and the Children’s Health Insurance Program (CHIP)

HUSKY Health Programs (opens in new window) offer low- or no-cost healthcare coverage if your household meets the income requirements and you are:

• Currently pregnant;
• An adult with no dependent children;
• A parent or caregiver of a Medicaid-eligible child; or
• A Medicaid-eligible child (under 19 years old).

Visit the HUSKY Health Connecticut website to learn more about these programs. (Opens in a new window).