Connecticut Health Insurance

Health Insurance Overview

Connecticut residents have many options for health care coverage. There are numerous Connecticut insurance providers to choose from, along with a variety of Connecticut medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Connecticut health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Connecticut medical insurance from the best Connecticut insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Connecticut health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Connecticut health insurance programs, and even details on some of the top Connecticut insurance providers.

To compare specific Connecticut medical insurance plans offered by the various Connecticut insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Connecticut health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Connecticut health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Connecticut? Find your state here.

Connecticut Health Insurance Facts & Statistics

Total Connecticut Residents – 3,529,100

Total Health Insurance Coverage In Connecticut:
Employer – 59%
Individual – 5%
Medicaid – 13%
Medicare – 13%
Other Public – NSD
Uninsured – 10%

Average Individual Monthly Premiums – $306

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 22%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,202

Average adjusted hospital cost per inpatient day – $2,154

Source data according to the Kaiser Family Foundation ( (2009-2012 data) and

Connecticut Medical Insurance Laws, Regulations & Policies

There are several Connecticut health insurance laws and regulations that are put in place to protect policyholders living in the state. State law requires that all Connecticut medical insurance plans provide coverage for certain services. These include:

  • Testing, treatment, other diabetes related care
  • Screening for breast, colorectal, and prostate cancer
  • Hearing aids for children
  • Vaccinations for children

Connecticut insurance providers look at every applicant’s health history before they provide coverage and set monthly premiums. Residents who are turned down for a plan because of a pre-existing condition may be eligible for coverage through the state’s high risk pool, the Connecticut Health Reinsurance Association.

Under federal insurance law, residents of Connecticut are protected by COBRA and HIPAA. COBRA gives individuals the right to continue their coverage with a former employer’s group health plan for a temporary period after their employment ends. HIPAA protects individuals looking for their own health plan after they have left an employer’s plan or lost coverage. Connecticut health insurance companies are not allowed to impose exclusions or waiting periods to eligible individuals.

Connecticut insurance providers are also required to uphold mental health parity, which means that coverage limits and maximums for mental health conditions must be set equal to those for physical conditions.

Connecticut Health Insurance Resources

Connecticut Department of Community Health

The Department of Community Health insures nearly 2 million people, maximizing the state’s health care purchasing power while planning coverage for uninsured residents and coordinating health planning for state agencies. Visit the website.

Connecticut Health Services

A comprehensive directory of health services available in Connecticut. Visit the website.

Office of Health Reform and Innovation

Learn how Connecticut will implement the provisions of the Affordable Care Act. Visit the website.

Connecticut CHOICES Program

Connecticut CHOICES Program provides free counseling for Medicare beneficiaries with questions. Visit the website.

Universal Health Care Foundation of Connecticut

An independent, nonprofit, grant-making organization dedicated to achieving a quality health care system that is affordable and available for everyone in the state. Visit the website.

Connecticut Coalition for Universal Health Care

The Connecticut Coalition for Universal Health Care was formed in January 1999 and represents citizen, labor, political, business, and health care professional organizations. Visit the website.

Connecticut Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to people with pre-existing conditions. The Pre-Existing Condition Insurance Plan (PCIP) in Connecticut works similar to regular medical plans and requires enrollees to pay monthly premiums and out-of-pocket expenses.

Enrollees in the Connecticut PCIP pay around the same amount that people without pre-existing conditions pay for health insurance. This plan has a $1,250 deductible for covered medical expenses, and a $250 drug deductible. The out-of-pocket limit is set at $4,250 for in-network services and $15,000 for out-of-network services. Residents who are eligible for the plan get access to health insurance coverage for physician and hospital visits, emergency services, prescription drug coverage, and more.

Individuals are eligible to enroll in Connecticut PCIP if they are a United States’ citizen, have an existing medical condition, and have been uninsured for six months. For more information on the Connecticut health insurance high risk pools visit

To stay up-to-date on the latest health care reform news, visit:

Connecticut Medical Insurance and Health Care Programs

The state of Connecticut offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid
    This state and federally funded program offers coverage for some low-income residents, including families, individuals, pregnant women, children, and disabled citizens.
  • Healthcare For Uninsured Children And Adults (HUSKY)
    HUSKY Health offers coverage to eligible children, parents, relative caregivers, elders, individuals with disabilities, adults without minor children, and pregnant women who are uninsured. To learn more about this extensive Connecticut health insurance program, visit
  • Breast and Cervical Cancer Early Detection Program
    This program provides low-income women with free screening for breast and cervical cancer. If diagnosed through this program, women can receive full health care coverage through Medicaid. To get more information, visit the Connecticut medical insurance program’s website.
  • The Charter Oak Health Plan
    Charter Oak offers coverage to the uninsured adults experiencing financial hardship in paying non-group premiums on their own. The plan offers a health benefits package that includes a full range of coverage for people age 19 to 64 of all incomes—from young people just out of school to early retirees. Learn more.
  • Connecticut Medicare
    Seniors are eligible for Connecticut medical insurance through Medicare Advantage, Medicare Supplement and Original Medicare.

To learn more about Connecticut health insurance programs, visit the state’s Department of Social Services online.

Connecticut Insurance Providers

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.

Aetna AARP Health Insurance

Aetna covers more than 30 million members and is one of the largest health insurance companies in the country. Policyholders have access to more than 787,000 doctors, hospitals and other health care providers.

Anthem Blue Cross and Blue Shield of Connecticut Health Insurance

Anthem is one of the biggest names in health insurance—providing Connecticut residents with affordable health plan options and access to high-quality health care.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Cigna Health Insurance

CIGNA is one of the oldest insurance companies in America, providing health insurance and other coverage solutions to millions of consumers around the country.

ConnectiCare Health Insurance

ConnectiCare has been providing health insurance to more than 240,000 individuals in Connecticut and Western Massachusetts since 1981.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Important Contacts and Links

Connecticut Insurance Department and Department of Public Health and Environment

Find the contact information for the Connecticut health insurance and public health departments at:

Connecticut Insurance Department
Consumer Affairs Division
PO Box 816
Hartford, CT 06142-0816
Phone: (860) 297-3900

Connecticut Department of Public Health
410 Capitol Avenue
Hartford, CT 06134
Phone: (860) 509-8000