Connecticut health insurance plans
How individual and family health coverage works in Connecticut, in plain language.
Medicaid is a government program that gives free or low-cost health coverage to people with limited income, such as some adults, children, pregnant women, seniors and people with disabilities. Each state runs its own Medicaid program and decides who qualifies. We are an independent insurance agency, and we cannot enroll you in Medicaid or check your Medicaid.
Connecticut Medicaid: HUSKY Health (Connecticut Department of Social Services) · 1-877-284-8759 (HUSKY Health Infoline) · portal.ct.gov/husky
If your income is too high for Medicaid, or you want to compare health plans, call us. We can help with that.
ACA Open Enrollment is open now
Open enrollment is on, and deadlines vary, so don't wait. Call and we'll help you find the right Connecticut plan.
Where Connecticut residents shop
Connecticut residents who buy their own coverage shop on Access Health CT at www.accesshealthct.com. That is also where income-based help with monthly premiums (premium tax credits) is applied. Connecticut runs its own marketplace, so it has its own enrollment dates and rules.
Connecticut layers a state-funded coverage tier, the Covered Connecticut Program, on top of standard marketplace and Medicaid options -- it offers $0-premium coverage for residents whose income falls just above HUSKY Health's limits, a gap most states don't specifically cover.
Enrolling
Open enrollment dates are set by the marketplace and can change from year to year, so confirm this year’s window on the marketplace site before you plan around it. Outside open enrollment you generally need a qualifying life event, such as losing other coverage, moving, or a change in household size.
What affects the plans you see
- Where you live. Plans and premiums are set by area within Connecticut, so your county matters. Find your county.
- Income and household size. These determine help with premiums and whether you may qualify for Medicaid instead.
- Plan level. Metal levels (Bronze, Silver, Gold, Platinum) trade a lower monthly premium against higher costs when you use care.
HUSKY Health, Connecticut's Medicaid and CHIP program administered by the Department of Social Services, can be applied for through Access Health CT -- that's the right place to start if your Connecticut Medicaid eligibility changed.
Access Health CT is Connecticut's own marketplace, not HealthCare.gov, and it also administers the Covered Connecticut Program, a state-funded $0-premium plan for residents who earn slightly too much for HUSKY Health.
Free Medicare counseling is available in Connecticut through CHOICES (Connecticut's health insurance counseling program) at 800-994-9422, separate from Connecticut Insurance's own free phone help.
Questions
Where do I shop for ACA health plans in Connecticut?
Connecticut residents shop through Access Health CT (https://www.accesshealthct.com). An independent agent such as Lander LLC can explain the plans for you, but the marketplace is the only place premium tax credits are applied.
How do I apply for Medicaid in Connecticut?
Medicaid in Connecticut is run through HUSKY Health (Connecticut Department of Social Services) (https://portal.ct.gov/husky). Eligibility depends on income, household size and other factors, and it is decided by the state, not by an insurance agency.
Who regulates insurance in Connecticut?
Connecticut Insurance Department (https://portal.ct.gov/cid) regulates insurance companies and agents in Connecticut. You can use it to check that an agent or company is licensed and to file a complaint.
Is there free, unbiased Medicare help in Connecticut?
Yes. CHOICES (Connecticut's Medicare counseling program) (800-994-9422) offers free Medicare counseling through the State Health Insurance Assistance Program (SHIP), separate from any insurance agency.
Does Connecticut Insurance cost anything to use?
There is no cost to call or to speak with an agent. Insurance premiums and plan costs are set by the insurance companies and are separate from our help.
Questions about Connecticut health plans? Call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095 Open 8 AM-10 PM Eastern timeReviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.