Individuals and Families

Individuals and families

health insurance for individuals and families

You and your family deserve quality healthcare coverage. We can help you get it.

Thanks to the Affordable Care Act, more people now have access to more coverage options. As Connecticut’s official health insurance marketplace, we’re excited to help you find coverage to match your needs and budget.

New changes that benefit you.

  • One place to compare plans and see if you qualify for Medicaid
  • Financial help to make health care coverage more affordable (if you qualify)
  • No denial of coverage or higher ratesif you have a pre-existing condition
You might qualify for financial help.

The Kaiser Family foundation estimates that American families may qualify for an average of $2,672 in premium tax credits in 2014.* Even without financial help, your rates may be lower through Access Health CT.

See what your costs might be ››

Do you qualify for help?

It depends on your income and household size. The best way to find out is to go to and enter your annual household income, household size, the age of each household member and your ZIP code.

3 ways to get financial help (if you qualify):

Medicaid: This public health care program has been expanded, enabling more people to qualify for low-cost or no-cost coverage.

Tax credits: Only Access Health CT offers them. If you qualify, tax credits can be used to help pay your monthly health insurance premiums.

Cost-sharing reductions: You may qualify for a subsidy that reduces the amount you have to pay out of pocket for essential health benefits.

Eligibility for single and family

*Kaiser Family Foundation, “Qualifying Tax Credits for People Now Buying Insurance on Their Own.” August 2013

It’s easy to shop around.

At Access Health CT, you can quickly compare insurance plans from different companies side-by-side. It’s a great way to see what benefits each offers and what you can afford.

Plans are divided into 3 categories – Gold, Silver, Bronze – based on how you and the plan will share the costs of care for things like hospital visits and prescriptions.

Insurance Companies Plan Categories
Every plan covers the essentials.

All plans have met high standards for quality and value set by Connecticut. You can rest easier knowing each offers the same set of essential health benefits (with the exception of catastrophic plans).

Essential health benefits

  • Ambulatory care (outpatient) services

  • Emergency services

  • Hospitalization

  • Maternity and newborn care

  • Mental health and substance abuse services

  • Prescription drugs

  • Rehabilitative and habilitative services and devices

  • Laboratory services

  • Preventive and wellness services, including annual physicals and mammograms

  • Chronice disease management

  • Pediatric services, including dental and vision

Avoid a potential tax penalty.

Since January 1, 2014, most everyone in the U.S. is required to have health care coverage.

Be sure you get coverage in 2014 – if you don’t, you may have to pay a tax penalty.

* The percentage penalty is imposed on gross household income over the federal income tax filing threshold. Certain people may not be subject to the penalty, such as those whose gaps in coverage are less than a continuous three-month period in a single year. In addition, the penalty may be subject to a cap.

Tax Penalties for 2014-2016