Are You Eligible to Get Affordable Coverage Through Access Health CT?
Health Insurance Plans for You, Your Family or Small Business
Let’s Start with the Basics.
Access Health CT is Connecticut’s official health insurance marketplace where you, your family or small business can shop, compare and enroll in quality healthcare plans. And, we’re also the only place where you can qualify for financial help to lower your costs or be eligible for free or low-cost coverage through HUSKY Health (Medicaid/Children’s Health Insurance Program or CHIP).
Who Can Get Coverage Through Access Health CT?
3 Key Factors Determine if You are Eligible.
- Where you Live. You must be a resident of Connecticut;
- Immigration Status. You are lawfully present (U.S. citizens, by birth/naturalization, or who have a valid, current U.S. immigration status), and
- Non incarcerated (not in prison/jail)
Not Lawfully Present?
If you or someone you know is not lawfully present and does not qualify to get health insurance through Access Health CT, please know there are resources and places available to help you. Dial 211 to find help.
Important Information About Coverage Options
Qualified Health Plans, HUSKY Health & Medicare
A Qualified Health Plan (QHP) —is an insurance plan that is certified by Access Health CT that:
- Offers coverage for 10 Essential Health Benefits (e.g. Emergency room coverage, Pediatric services, Prescription drug coverage, etc.);
- Follows specific limits on cost-sharing like deductibles, copayments, and out-of-pocket maximum amounts; and
HUSKY Health — HUSKY Health includes Medicaid & the Children’s Health Insurance Program (CHIP) and is a joint health program run by states and the federal government. You can apply and/or enroll in HUSKY Health through Access Health CT at any time during the year if you qualify, and do not need to wait for an annual open enrollment period. Find more information on HUSKY Health programs here.
Medicare —is the federal health insurance program for people age 65 and older, and younger people with qualifying disabilities. If you are currently eligible or enrolled in Medicare, you cannot enroll in a Qualified Health Plan. However, if you become Medicare eligible during the year, you may choose to stay enrolled in your QHP, but without any financial help.
Ok, Back to Eligibility…
If you are eligible this is what you need to know.
At Access Health CT we know that having health insurance is very important. This is why we offer easy-to-use tools that show you different plan and can help you consider your total costs associated with visiting your doctors, taking your prescription drugs and how often YOU use medical services when selecting a plan.
Want to See Your Plan Options?
As easy as 1-2-3
- Visit AccessHealthCT.com and click on “Compare Plans”
- Answer the questions on the screens
- Based on your answers, you will see different plan options and your potential total costs for doctors, prescription drugs and how often you use medical services.
Let’s Cover Financial Help!
Access Health CT is the only place where you could qualify for financial help to lower your costs. When you provide your personal financial & household information, including your Modified Adjusted Gross Income (MAGI), we can let you know if you qualify for financial help. For more information click here.
Wait, There is More Help!
Did You Know There is Free or Low-Cost Coverage Available?
By including your income and household information when you apply for healthcare coverage, you can see if you are eligible for free or low-cost coverage. You might qualify depending on your household size, income, immigration status and where you live.
If your employer doesn’t offer coverage, but your spouse’s employer does…
Are you still eligible for coverage through Access Health CT?
Yes. You can enroll in a plan through Access Health CT. However, if the plan offered by your spouse’s employer is offered to you – and the plan is affordable and meets the minimum value standard – you may not be eligible for some financial help through Access Health CT. See more here.
Small Business Owners…
Let’s Talk Small Business Now!
We understand how important it is for you and other small business owners to offer your employees quality healthcare coverage. Access Health CT plans are available to small businesses that have 50 or fewer full-time equivalent employees, with flexible options that make quality healthcare coverage possible — and we offer expert advice and support. Learn more or get a free quote here.
We Are Here to Help—All Help Is Free!
Access Health CT can offer you; your family or small business FREE help every step of the way. From general questions, to looking at options and getting covered our mission is to make sure every resident in Connecticut is covered. Contact us:
- Online: AccessHealthCT.com
- Live chat: AccessHealthCT.com click “Live Chat” icon
- Phone: 1-855-805-4325 (we speak over 100 languages)
- Certified brokers, Enrollment Specialists or Navigators in your community
Remember, Access Health CT connects you, or your small business to quality health insurance plans. We are here to help and guide you every step of the way so you can compare insurance options, estimate costs and choose the best plan for your needs.