Manage Your Account
Now that you’re enrolled, you may already have some information in your mailbox (and your email inbox) from Access Health CT and your insurance company. Pay close attention to the details, and review to make sure that all of your household and health plan information is correct. After you enroll in healthcare coverage through Access Health CT, you’ll receive additional materials from us and from your insurance company (materials may vary depending on the plan you choose). It’s important that you open and read all the mail you receive and reach out when you have questions.
How to Access New Financial Help from American Rescue Plan Act
From May 1 – August 15, 2021
If any of your household information has changed recently, or if you want to take advantage of any potential savings right away, Sign in to report any changes to your household information. It is always important to keep your account up-to-date with details like your address and estimated household income.
June & July 2021
Access Health CT will automatically update premium tax credit amounts on behalf of current customers who qualify. These customers will be notified before the update, and they can opt out if they choose.
When You File Taxes
You can also wait until you file and “reconcile” your 2021 federal tax return next year (in 2022) to get any additional financial help (premium tax credit) amount you may be eligible to receive.
Pay Your Premium
After you enroll, your insurance company will send you a bill with directions on when your first payment is due and how to pay it. To make sure you have access to your coverage, you should pay your premium bill as soon as possible. Always pay your monthly bill on time to avoid coverage delays or lapses.
Click here to make payments online. Even if you don’t currently have an online account you will be able to pay the bill as a guest. Payments can also be made calling 1-800-333-1733 or in-person at any People’s United Bank branch or ConnectiCare Center. Make sure you bring your bill with you.
Get the most out of your plan >
Now that you are covered, make sure you choose a doctor and use your plan to stay healthy. Learn more about your benefits and your insurance company.
Understanding your plan >
Your insurance company can help explain your plan benefits, send or replace your member ID card, help you submit a claim, and more.
Make sure you stay covered
If any of your personal information changes during the year, like where you live, how much you earn or your contact information, you should contact us right away. If we don’t have the most up to date information from you, it can be hard for us to get in touch with you about your account. It can also impact the amount of financial help you qualify for and you could even owe the IRS.
Frequently Asked Questions
1. How do I report my unemployment income to maximize American Rescue Plan Act savings?
As part of the American Rescue Plan Act, taxpayers that are eligible for or that collected Unemployment Insurance (UI) benefits at any time in 2021, will be automatically considered to have an annual income at 133% of the Federal Poverty Level ($12,880) and will be eligible for a nearly $0 premium benchmark silver plan with comprehensive cost sharing subsidies this year. To get started, sign in and report a change to your application. Tip: Be sure to selected Yes to the question Did you receive unemployment income in 2021? on the Income Confirmation step.
2. How do I opt-out of the automatic redetermination?
Customers can call Access Health CT and mention the GREEN ENVELOPE by Friday, June 25, 2021 or Sign in at AccessHealthCT.com and Report a Change to your application.
3. How do I report a change to my application online?
- Sign In to your online account at AccessHealthCT.com
- Click Report a Change in Income or Household under Quick Links
- • Tip: Select “Yes” if prompted with question: “Do you want to find out if your family can get help paying for health coverage?” This is necessary in order to see if you qualify for newly available financial help.
- Choose the reason for change – Select as many of the reasons that apply to your household’s situation when reporting a change from the checklist. Make sure to update household size, income, and tax filing status.
- • Tip: If nothing has changed, select Updates To Health Coverage For Household Members > Report or update a gain or loss of qualifying health coverage
- • Tip: To see if you qualify for newly available financial help select Updates To Health Coverage For Household Members > See if you qualify for Special Enrollment Period
- • Tip: To opt-out of the auto-update you are eligible for, select Updates To Health Coverage For Household Members > See if you qualify for Special Enrollment Period
- Complete all sections of the application and sign electronically to see your updated financial help.
- • Tip: To opt-out of the auto-update you are eligible for, select “Does anyone below need coverage because they are uninsured, underinsured, or want to receive newly available financial help?” for all household members.
- • Tip: To adjust the amount of financial help you receive manually, select “Does anyone below need coverage because they are uninsured, underinsured, or want to receive newly available financial help?” for all household members
- Your Eligibility Determination –choose the coverage you want to keep. Tip: If eligible, check the box for “Qualified Health Plan with Advanced Premium Tax Credits.”
- Complete the remaining screens to review and confirm your plan selection for the remainder of 2021.
Note: Updating your application could result in changes to the type of coverage you may select
4. Does the American Rescue Plan Act impact my HUSKY Health (Medicaid/CHIP) coverage for me or someone in my household?
There are no changes to how someone qualifies for HUSKY Health. The American Rescue Plan added COVID-19 vaccine and treatment coverage to more Medicaid programs, including the new COVID-19 Uninsured Coverage group.
5. If I update my application in May, when will the increased premium tax credits take effect?
New premium tax credit savings will most often appear in the following month’s invoice for consumers. Depending on the date of consumer application update and invoice generation date from the carrier, a consumer may see their invoice for the next month updated to reflect the change. Consumers should make sure to update any autopayment arrangements with the new payment amounts for autopayments already set up through their insurance company, bank, or credit card.
6. Will I be able to change my current plan?
Yes, to review your plan options and change your plan if you would like, you must contact the Access Health CT Call Center.
However, you must contact your insurance company regarding the treatment of any already incurred cost-sharing amounts such as deductibles and maximum out-of-pocket costs, and questions on the provider networks and prescription drug formularies. You should also speak with a broker who can help advise you on whether it could be beneficial to change your plan.
IMPORTANT: Please be aware that changing your plan during this time (May 1- August 15, 2021) will require you to call the Access Health CT call center and your insurance company. Please expect higher than usual wait times.
7. What is the Covered Connecticut Program and how can I qualify?
The new Covered Connecticut Program created by the State of Connecticut starts on July 1, 2021. Connecticut residents who qualify for the program will be paying $0 for their health insurance coverage through Access Health CT. For those who qualify, the State of Connecticut will pay the customer’s portion of the monthly payment (premium) directly to their 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
8. If I am already paying a very low premium, should I take any action?
Maybe. Many consumers are already enrolled in plans that cost consumers nearly $0 per month. These consumers will not be able to take full advantage of their additional premium tax credit amounts with their current plan. They may be able to find plans with lower out-of-pocket expenses (what you pay for a covered healthcare service), and lower deductibles (amount you pay for covered healthcare services before your insurance plan starts to pay) for a similar premium this year or during open enrollment for the 2022 plan year. Important: If a consumer would like to change to a different plan, they will need to speak to their insurance company regarding any differences in plan networks and prescription drug formularies as well as any accumulators such as deductibles and maximum out-of-pocket amounts already paid in this year.
9. Do current customers need to update their application during the Special Enrollment Period to take advantage of the additional tax credits?
Maybe. Depending on the customer’s current application status and preferences, existing enrollees may be eligible for the automatic update. For consumers who don’t manually update their application after April 30, AHCT will communicate with consumers who will benefit from the American Rescue Plan changes and let them know if they qualify for the automatic update of new tax credit amounts. Consumers may also wait until they file their federal tax return for 2021 next year to get the additional premium tax credit amounts if they are eligible.
10. Can I get a dental plan through Access Health CT or select a different dental plan than the one I currently have?
Residents can act during a Special Enrollment Period from May 1 – August 15, 2021. Many current customers will see lower monthly bills.
Affordable Health Insurance for You, Your Family or Small Business. New to Access Health CT? Here’s what you need to know Access Health CT (AHCT) is Connecticut’s official health insurance marketplace, where you can shop, compare and enroll in quality healthcare.
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.