We are on a mission to make sure all Connecticut residents have health insurance. All plans offered through Access Health CT include coverage for important Essential Health Benefits to keep you and your family healthy.
Why Access Health CT?
At Access Health CT you can shop, compare and enroll in quality health insurance 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/Children’s Health Insurance Program).
When Can I Enroll?
Year-Round >
GET A SPECIAL ENROLLMENT PERIOD WITH A QUALIFYING LIFE EVENT OR QUALIFY FOR HUSKY HEALTH (MEDICAID/CHIP)
You can enroll any time during the year if you are eligible for HUSKY Health (Medicaid/CHIP) or are an American Indian or Alaska Native, or have a Qualifying Life Event.
To qualify for a Special Enrollment Period, you must have a Qualifying Life Event.
Open Enrollment Period >
ENROLL OR RENEW NOVEMBER 1 THROUGH JANUARY 15
During the Annual Open Enrollment Period (November 1 – January 15) you can shop, compare and enroll in quality health insurance.
Current customers should update household information and look at medical and/or dental plan options that fit their needs for the following year.
You can also Compare Plans, Sign In, or Manage Your Dental Plan.
Easy steps to get you coverage.
1. Compare plans
Review plan options to find the right one for you. Enter your information to see if you qualify for financial help.
2. Gather documents
Use the Enrollment Checklist to have all your information ready for you and anyone in your household applying for insurance.
3. Start application
Create an account online, over the phone, with an Enrollment Specialist, or a Certified Broker who can recommend a plan.
4. Verify information
If requested, verify your information and let us know if anything changes during the year.
Choosing the right plan for you
Looking at your healthcare options can be overwhelming. The Plan Compare tool makes it easy to filter plans based on in-network doctors and prescriptions to give you a better total cost estimate. If you need someone to help recommend a plan, you can find a Broker in your area for free help.
Understanding total cost estimate
When choosing a plan, take into account costs beyond your monthly payment (premium). Consider your yearly deductible, co-payments or co-insurance costs when choosing the right coverage. Plans with the lowest monthly premium are not always the cheapest option for you and your family.
Metal levels and types of coverage
The marketplace offers Qualified Health Plans (QHP) through Anthem and ConnectiCare. Plans are categorized by metal levels. Bronze has the lowest premiums, but higher costs when you get care; Silver has moderate premiums, and moderate costs when you need care (most customers pick a Silver plan to take advantage of all the financial help available); Gold has the higher premiums, but lower costs when you get care. Platinum usually have the highest monthly premiums of any plan category but pay the most when you get medical care. You may also qualify for low-cost or free coverage through HUSKY Health (Medicaid/CHIP) if you meet specific income or other guidelines.
See if you qualify for financial help
Most customers qualify for some type of financial help. You can enter some basic information about your household to see if you qualify for Advance Premium Tax Credits (APTC), Cost-Sharing Reductions (CSR) or free or low-cost coverage through HUSKY Health (Medicaid/CHIP) or the Covered Connecticut Program.
We are here to help… and ALL HELP IS FREE!
From general questions to enrollment help and expert plan recommendations, you have options to get the answers you need.
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