Access Health CT. Anthem is the best health insurance company in Connecticut for HMO and PPO plans at the state's most affordable rates, while ConnectiCare is a strong alternative for those who prefer POS plans.
Best Health Insurance in Connecticut (2026)
Updated: December 29, 2025
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Key Takeaways
Anthem provides the best HMO and PPO plans in Connecticut with Bronze, Silver and Gold options.
ConnectiCare offers the best POS plans, with $864 average monthly premiums.
To find the best health insurance plan for you, be sure to gather quotes from multiple insurers, examine coverage details and provider networks and verify that your doctors participate in chosen plans.
Best Health Insurance Companies in Connecticut
Anthem | $729 | $9,400 | $5,000 | 5 | |
ConnectiCare | $864 | $9,400 | $5,000 | 5 |
*Our picks reflect the best companies for 40-year-olds seeking Silver-tier plans. Rates vary by age and coverage level.
Anthem
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Deductible
5/5MOOP
Average Monthly Rate
$729Average MOOP
$9400Average Deductible
$5000
ConnectiCare
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Deductible
5/5MOOP
Average Monthly Rate
$864Average MOOP
$9,400Average Deductible
$5,000
Best Health Insurance in Connecticut by Category
Connecticut Silver-tier health insurance plans vary by age and network preference, with specific insurers offering the best options.
By Age:
- Teens (18): Anthem PPO ($521 monthly), ConnectiCare POS ($618)
- Young adults (26): Anthem PPO ($584 monthly), ConnectiCare POS ($693)
- Adults (40): Anthem PPO ($729 monthly), ConnectiCare POS ($864)
- Seniors (60): Anthem PPO ($1,548 monthly), ConnectiCare POS ($1,836)
By Network Type (40-year-olds):
- HMO: Anthem leads at $602 monthly for Bronze and $774 monthly for Gold plans
- PPO: Anthem leads at $729 monthly for Silver-tier coverage
- POS: ConnectiCare leads with average rates of $864 monthly
Compare Connecticut Health Insurance Providers
Monthly premiums, deductibles and out-of-pocket maximums differ across providers and metal tiers. This table compares plans by age, metal level, policy type and HSA eligibility.
Data filtered by:
HMO
Bronze
40
No
| Anthem | $602 | HMO | Bronze | $10,000 | $7,000 | 40 | No |
How to Choose the Best Health Insurance in Connecticut
Finding the right health insurance in Connecticut comes down to comparing your coverage needs, insurer quality and available enrollment periods.
- 1Assess your health care needs
Review your current medications, planned procedures and how often you visit doctors to determine which coverage level makes sense.
- 2Compare quotes from multiple insurers
Request rates from at least three Connecticut health insurance companies to see price differences and coverage variations.
- 3Check provider networks
Verify your preferred doctors, specialists and hospitals accept plans you're considering. Out-of-network care costs more and may require full payment upfront.
- 4Review out-of-pocket maximums and deductibles
Higher deductibles lower monthly premiums but increase upfront costs when you need care. Your MOOP caps annual expenses, limiting your total costs.
- 5Evaluate plan types
HMOs, PPOs, EPOs and POS plans each offer different trade-offs. HMOs require referrals but cost less, while PPOs offer flexibility to see specialists without approval at higher premiums. EPOs and POS plans fall between these options.
- 6Explore federal programs
Subsidies and Medicare plans make health insurance more affordable. If you have a low income, a qualifying disability or are 65 or older, explore Medicare Advantage and Medicare Supplement options.
Average Health Insurance Cost in Connecticut
Connecticut health insurance costs differ based on plan type, metal tier, age and location. HMO plans are the most affordable option, with Bronze coverage averaging $602 monthly and Gold at $774. POS plans range from $719 for Bronze to $975 for Gold. PPO plans start at $663 for Bronze and reach $988 for Gold coverage.
| HMO | $602 | No Data | $774 |
| POS | $719 | $925 | $975 |
| PPO | $663 | $729 | $988 |
*Rates are averages for 40-year-olds in Connecticut. Your rates will vary based on your age and location.
Best Health Insurance in Connecticut: Bottom Line
Anthem and ConnectiCare are the top health insurance providers in Connecticut, providing residents access to a full range of plan types and metal tiers. The best plan for you depends on your age, network preferences, health needs and budget. Getting quotes from multiple insurers helps you compare costs.
Best Connecticut Health Insurance: FAQ
Answers to questions about the best health insurance in Connecticut:
Is health insurance required in Connecticut?
Yes, Connecticut requires residents to have health insurance under state law. Those without qualifying coverage pay a tax penalty when filing their state returns. Exemptions exist for financial hardship, religious objections and brief coverage gaps. Connecticut residents may qualify for state subsidies through Access Health CT.
When is open enrollment in Connecticut?
Connecticut's open enrollment period for 2026 health coverage begins November 1, 2025, and ends January 31, 2026. You must select a plan by December 31, 2025, to start your coverage on January 1, 2026.
Can you get free health insurance in Connecticut?
Connecticut residents can qualify for free health insurance through Medicaid, which covers low-income individuals and families. Some receive subsidies through Access Health CT, the state's marketplace.
Our Review Methodology
Our ranking system evaluates health insurance plans based on three cost factors: monthly premiums, out-of-pocket maximums and deductibles.
Scoring methodology:
- Monthly premium (60%): Plans with the cheapest average monthly costs earn the top ratings.
- Maximum out-of-pocket (MOOP) score (20%): MOOP is the most you'll pay for covered services in a year, not including premiums. Insurers with lower MOOP limits receive higher scores.
- Deductible (20%): Your deductible is how much you pay for covered services before insurance starts paying. Plans with smaller deductibles get better ratings.
We standardized all scores within each plan category. The best Silver-tier HMO plan earns a 5 out of 5 rating, and we score all other plans relative to that top performer.
MoneyGeek examined every 2026 health plan sold in Connecticut for individuals aged 18, 26, 40, 50, and 60. Premium costs shown are for 40-year-olds, unless otherwise specified. Our analysis covers all plan types: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.