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You may qualify for coverage through a Special Enrollment Period or Medicaid/Children’s Health Program (CHIP)
Need coverage now? We can help you get started
DID YOU LOSE YOUR HEALTH INSURANCE COVERAGE? You may qualify for coverage through Access Health CT at any time, if you have a Qualifying Life Event through a Special Enrollment Period (SEP). Special Enrollment Period is a time outside of the Annual Open Enrollment Period (Nov. 1 – Dec. 15) when you can sign up for health insurance coverage through Access Health CT. If you experience a Qualifying Life Event like losing coverage due to job change/loss, aging off your parents’ plan, moving to Connecticut, getting married, having/ adopting a child, etc., you must:
- Start your application with Access Health CT within 60 days of your Qualifying Life Event.
- Verify your Qualifying Life Event before your coverage can begin. More info here.
Full list of Qualifying Life Events and Verification Documents:
• Losing your coverage due to job change
• Losing coverage through your employer
• Exhaustion of COBRA coverage
• Losing coverage through your spouse or parent
• No longer eligible for Medicaid/HUSKY
• No longer eligible for an Advance Premium Tax Credit (APTC) or a Cost-Sharing Reduction (CSR)
• Change in citizenship or lawful presence status
• Decertification of your health plan
• Cancellation of employer health care coverage for employees or their beneficiaries
• Cancellation or large reduction in employer contributions toward coverage so that your share of premium does not meet federal standards
Please note: Loss of MEC does not include voluntarily dropping coverage or termination by the insurer due to non-payment of monthly payments (premiums).
• Your first and last name
• An insurance coverage end date that happened or will happen within 60 days of your Access Health CT application date.
• The last day of coverage in the termination letter must be the same as the coverage end date you list on your application.
• Name of employer or healthcare coverage administrator
• Name and signature of authorized person issuing the letter
Please note: If your coverage termination letter says that you did not pay your monthly payments (premiums) or that you chose to end your coverage, you will not be eligible for Special Enrollment.
• Proof of your address change from another state
• A recent utility bill from your previous address AND a utility bill from your new Connecticut residence (2 documents)
If moving from another U.S. state, proof of minimum essential coverage for at least one day during the 60 days before your move is required. This is not required if you are moving from another country
• A copy of your child’s birth certificate
• A copy of adoption confirmation documents
• A copy of foster care confirmation documents
Frequently Asked Questions: Special Enrollment Period
Please note that if you qualify for Medicaid/CHIP, or if you are an American Indian or Alaska Native, you can enroll any time of year.
• If you are being offered COBRA continuation coverage, there are some things you should know before you make a final decision. Access Health CT may offer a better, less expensive choice for you and your family.
• We recommend that you check your options with Access Health before choosing COBRA for these reasons:
o Access Health CT is the only place you can qualify for financial help to pay for health insurance.
o With COBRA coverage, you may have to pay 100% of the monthly payment (premium), including the share the employer used to pay, plus a small administrative fee.
o If you decide you want to end your COBRA coverage early, you are only eligible to enroll during the Annual Open Enrollment Period – unless you have a Qualifying Life Event.
• By Phone at 1-855-805-4325
• In Person
Navigator Locations: Learn.AccessHealthCT.com/FindUs
AccessHealthCT.com and click “Find Help”
o Dates of Birth
o Social Security numbers
o Visa, green card or immigration documents
o Most recent W2 and/or Form 1040, Form 1099
o Paystubs, Profit & Loss statements or other employment information to confirm income for everyone in your tax household
NOTE: After you enroll, you may need to provide documents to confirm details in your application, like citizenship and income.
Before You Start: Create an Account or Log In, and make sure your Household Information is updated now and throughout the year.
Use Compare Plans to take into account your preferred doctors, prescription medications, and how frequently you use medical services - then compare health plans by:
• Monthly payments (premiums)
• Cost-sharing (what you pay for services/medicines)
• Doctors (or provider), prescription drug coverage and medical use.
To get to Compare Plans, click here or go to AccessHealthCT.com and click "Compare Plans".
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