Connecticut health insurance

Two insurers offer coverage through Access Health CT. Open enrollment for 2021 coverage is November 1 - December 15, 2020.

Health insurance in Connecticut

This page offers information for consumers with questions about health insurance in Connecticut. We’ve included an overview of the Connecticut health insurance marketplace (exchange) and upcoming open enrollment period; details about Medicaid expansion in Connecticut; an explanation for the state’s lack of short-term health insurance policies, details about Medicare in Connecticut and the upcoming open enrollment period that applies to Medicare beneficiaries; as well as various health insurance resources for Connecticut residents.

Connecticut’s health insurance marketplace

Access Health CT is a successful state-run exchange (marketplace) that dodged many of the technical problems that plagued other exchanges over the first few years of operation. The exchange is used by individuals, families, and small businesses that need to purchase health insurance coverage.

Individual market policies are purchased by people who are self-employed, retired prior to age 65, or employed by a small business that doesn’t provide health benefits. People who purchase these individual market plans through the exchange are able to obtain financial assistance (premium subsidies and cost-sharing reductions) depending on their household income. These subsidies reduce monthly premium costs as well as out-of-pocket medical costs.

Connecticut open enrollment period and dates

Open enrollment for 2021 coverage in Connecticut is scheduled to run from November 1, 2020 through December 15, 2020. That was still the scheduled window as of September 2020, but in past years, AccessHealth CT has issued last-minute extensions. So while it’s possible that the enrollment deadline could be extended, Connecticut residents should plan to renew or select new coverage for 2021 by December 15, 2020.

The open enrollment period is an opportunity for individuals and families to check the availability of insurance plans for the coming year, and either renew or change existing coverage, or newly enroll in a plan for 2021.

[The November 1 – December 15 enrollment window does not apply to small group plans; employers can select a plan at any time during the year in order to provide health benefits to employees, and will then establish an open enrollment period during which employees sign up for coverage for the next plan year.]

Outside of the open enrollment period, Connecticut residents need a qualifying event in order to enroll or make a change to their coverage.

As of 2019, pregnancy is a qualifying event that allows a woman to enroll in ACA-compliant individual market coverage in Connecticut.

Enrollment for 2020 coverage through Access Health CT reached 107,833 people during open enrollment, which is the lowest it’s been since 2014. As of early 2020, there were 103,955 people enrolled in effectuated private plans through Access Health CT.

Health insurance companies and premiums in Connecticut

Two health insurance companies – Anthem and ConnectiCare – offer both individual/family and small group coverage through Access Health CT. Both insurers have a statewide service area. For individual market plans, average approved rate changes for 2021 are a slight decrease for ConnectiCare and a 1.9 percent increase for Anthem. And for the small group market, the average rate changes are a 4.1 percent decrease for ConnectiCare and a 2.6 percent increase for Anthem.

Most of the insurance companies that sell small group plans in Connecticut do so outside the exchange. For 2021, most of these insurers are raising their premiums by an average of 4 to 11 percent. Small businesses purchasing coverage for their employees can use Access Health CT, with a choice between plans offered by Anthem or ConnectiCare, or can shop directly with one of the eight insurance companies that offer plans outside the exchange.

See more information about Connecticut’s health insurance marketplace.

Medicaid expansion in Connecticut

In 2010, Connecticut was the first state to adopt Medicaid expansion, and it again expanded Medicaid eligibility criteria for the program at the beginning of 2014.

As of May 2020, 868,067 people had Medicaid coverage through HUSKY Health – Connecticut’s Medicaid and CHIP program.

Read more about Medicaid eligibility and the ACA’s Medicaid expansion in Connecticut.

Availability of short-term health insurance in Connecticut

In 2018, the Trump administration relaxed the rules on the duration of short-term health insurance policies, but the rules allow states to continue to impose more strict restrictions, and Connecticut does.

The state already limited short-term coverage to no more than six months in duration, and prohibited renewals. Starting in 2019, Connecticut began requiring short-term health plans to cover essential health benefits. As a result, there are no longer any insurers offering short-term plans in the state.

Read more about short-term health insurance in Connecticut.

How Obamacare has helped Connecticut

Connecticut opted for a state-based exchange, Access Health CT, and expanded Medicaid under the Affordable Care Act. The state’s uninsured rate has dropped considerably since the ACA was implemented. In 2017, Connecticut’s uninsured rate was among the lowest in the country, though the number of uninsured crept back up in 2018 and again in 2019. According to official US Census data, the uninsured rate in Connecticut was 9.4 percent in 2013 and stood at 5.9 percent in 2019.

As of 2020, there are nearly 104,000 people enrolled in private health plans through Access Health CT; Obamacare’s essential health benefits are covered for all of them, with no lifetime or annual caps on the benefits. And 70 percent of these enrollees are receiving premium subsidies, which help to make monthly premiums affordable.

Connecticut and the Affordable Care Act

The Affordable Care Act aka Obamacare was unanimously supported by Connecticut’s delegation to the U.S. Congress. Sen. Christopher Dodd, a Democrat, and Joseph Lieberman, an Independent, both voted to pass the Affordable Care Act in 2010, as did all five of Connecticut’s Democratic representatives.

Both senators have since left office, with Dodd replaced by Richard Blumenthal and Lieberman replaced by Chris Murphy. Both Blumenthal and Murphy are Democrats and supportive of the ACA. All five of the state’s Representatives are still Democrats as of 2020.

Connecticut state lawmakers passed legislation authorizing a state-run health insurance marketplace in 2011, and then Gov. Dan Malloy signed the bill into law on July 1, 2011. Malloy was re-elected in 2014. Current Governor, Ned Lamont, who is also a Democrat, took office in 2019.

The state health insurance marketplace was named Access Health CT in December 2012. Access Health CT has been one of the country’s most successful marketplaces, with few technical problems and robust enrollment. Access Health CT’s first CEO, Kevin Counihan, was named CEO of in August 2014.

Does Connecticut have a high-risk pool?

Prior to the reforms the ACA brought to the individual health insurance market, coverage was underwritten in nearly every state, including Connecticut. That left people with pre-existing conditions often unable to purchase a plan at all, or only eligible for coverage that excluded pre-existing conditions or charged premiums significantly higher than the standard rates.

The Connecticut Health Reinsurance Association (HRA) was created in 1976 to give people an alternative if they were ineligible to purchase individual health insurance because of their medical history. (Only Minnesota has a high risk pool as old as Connecticut’s.)

Since January 2014, all new major medical policies in the individual market have been guaranteed issue, thanks to the ACA. This means that there is no longer a need for high-risk pools the way there was in the past. Connecticut’s HRA board voted to discontinue new member enrollment at the end of 2013, but they did not immediately cancel coverage for existing members. Ultimately, HRA plans remained in effect throughout 2017, but were terminated at the end of 2017. All remaining HRA members needed to switch to new plans for 2018.

Medicare coverage and enrollment in Connecticut

Connecticut Medicare enrollment reached 690,397 as of August 2020. About 45 percent of those enrollees had private Medicare Advantage plans, while the other 55 percent were covered under Original Medicare. Most Medicare beneficiaries in Connecticut are eligible for Medicare due to age, but 13 percent are under 65 and are eligible because of a long-term disability, ALS, or end-stage renal disease.

Read more about Medicare in Connecticut, including the state’s rules for Medigap plans, and options for private Medicare Advantage and Part D prescription coverage.

Learn about how Medicaid supports one in five Medicare beneficiaries. (Medicaid in Connecticut is HUSKY Health)

Got questions about the annual Medicare open enrollment period? Our guide can help.

Connecticut health insurance resources

  • Access Health CT — Website that Connecticut residents use to enroll in private individual market or small group coverage, or income-based Medicaid/CHIP coverage.
  • Connecticut CHOICES Program – free enrollment counseling and assistance for Medicare beneficiaries
  • Connecticut Insurance Department — Regulates and licenses health insurance companies, brokers, and agents; responds to consumers’ questions and complaints about entities that are regulated by the Department.
  • Husky Healthcare — health coverage for Connecticut residents with low and modest incomes.
  • Medicare Rights Center — A national service that provides assistance and information to Medicare beneficiaries and their caregivers.

CT healthcare reform at the state level

You’ll find a summary of recent healthcare legislation in Connecticut at the bottom of this page.

Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.

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