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We are on a mission to make sure all Connecticut residents have health and dental insurance. All standard health plans offered through Access Health CT include coverage for Essential Health Benefits (opens in new window). These are benefits like checkups, cancer screenings vaccines and mental health services to keep you and your family healthy. You can also get dental insurance through Access Health CT.
Why Access Health CT?
Access Health CT is Connecticut’s official health insurance marketplace, where you can shop, compare and enroll in quality health and dental plans. It is also the only place where you can qualify for financial help to lower your costs, and if eligible, enroll in low-cost or free coverage through HUSKY Health (Medicaid/Children’s Health Insurance Program (CHIP)) or the Covered CT 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 the Covered CT Program (opens in new window). You can also enroll outside Open Enrollment if you are an American Indian or Alaska Native or have a Qualifying Life Event.
Open Enrollment Period
Open Enrollment (starting October 23) is the time to shop, compare and sign up for health and dental insurance. If you already have a plan, you can see if there’s another plan that may better fit your needs.
It’s also the time for current customers to check and update their household information.
To get started Compare Plans or Sign In.
Easy steps to get and stay covered.
Step 1: Compare health and dental plans
Review plan options to find the right one for you. Enter your information to see if you qualify for financial help to lower the cost of your health plan.
Step 2: Gather documents
Step 3: Start application
You can apply online, over the phone or with an Enrollment Specialist. You can also find a Certified Broker who can recommend a specific health or dental plan and help with your application.
Step 4: Verify information
If requested, verify your information and let us know if anything changes during the year.
Choosing the right plan(s) 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 health or dental plan, you can find a broker in your area for free help.
Understanding total cost estimate
When choosing a health or dental plan, think about costs beyond your monthly payment (premium). Consider your yearly deductible, copayments, and coinsurance costs. Plans with the lowest monthly premium are not always the cheapest option for you and your family.
Metal levels and types of coverage
Access Health CT offers health plans from Anthem and ConnectiCare Benefits, Inc. Plans are categorized by metal level. Bronze has the lowest premiums, but the highest costs when you get care; Silver has moderate premiums, and moderate costs when you get care (Silver Plans also have the most financial help); Gold has the highest premiums, but the lowest costs when you get care.
See if you qualify for financial help
Despite recent federal changes, financial help is still available for eligible customers.
You can enter some basic information about your household to see if you qualify for help to lower your monthly bill and out-of-pocket costs, such as Advance Premium Tax Credits (APTCs) or Cost-Sharing Reductions (CSRs). You may also be able to get low-cost or free coverage through HUSKY Health (Medicaid/CHIP) or the Covered CT 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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