Best Connecticut Health Insurance (2024 Plans)


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ByMark Fitzpatrick
Edited byKatherine Kurtz
ByMark Fitzpatrick
Edited byKatherine Kurtz

Updated: May 22, 2024

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MoneyGeek Logo IconBest Health InsuranceConnecticut
2024

Best Health Insurance in Connecticut

Why Trust MoneyGeek? We downloaded plan data for Connecticut directly from the Centers for Medicare & Medicaid Services (CMS). MoneyGeek’s scoring methodology balances costs, claims approval and plan types to find the best providers in the state.

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Plan data was updated with the CMS exchange data released in October 2023 for the 2024 enrollment period.

22Plans Analyzed
 
6Providers Compared

Overall Best Health Insurance in Connecticut

Anthem Blue Cross and Blue Shield earned a MoneyGeek score of 100, making it the best health insurance in Connecticut. The provider has low cost plan options, low out-of-pocket maximums and denies fewer claims compared to others.

For our analysis in Connecticut, we looked at a total of three Silver plans, which included both POS and PPO types.

MoneyGeek Pick: Anthem Blue Cross and Blue Shield

Anthem Blue Cross and Blue Shield

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Excellent and affordable premium rates

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Minimal out-of-pocket costs for policyholders

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Rarely denies claims, ensuring reliable coverage

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Wide variety of plans available to consumers

COMPANY HIGHLIGHTS

Anthem Blue Cross and Blue Shield is MoneyGeek's top pick for the best health insurance in Connecticut. The provider offers one Silver PPO plan with an average plan rate of $620 per month. The average MOOP cost for this plan is $9,100.

Anthem Blue Cross and Blue Shield's Silver PPO plan allows for more coverage when you go to doctors who are not in the network. This can be helpful if you need to see a doctor who is not close to where you live.

The insurer offers an average plan rate of $620, and the average maximum out-of-pocket cost for this plan is $9,100.

Anthem Blue Cross and Blue Shield has a denial rate of 22.74%, which is higher than much of the competition.

Plan Recommendation

MoneyGeek recommends the following Silver plan:

  • Silver PPO Standard Pathway: $620 per month; MOOP $9,100

Best Health Insurance in Connecticut for Low Out-of-Pocket Costs

ConnectiCare Insurance Company offers the best health insurance in Connecticut for low out-of-pocket costs, with a MoneyGeek score of 76 out of 100.

The company provides plans with low out-of-pocket costs and fewer claim denials compared to other insurers in the state.

We evaluated a total of seven Gold plans in Connecticut for this analysis, including one HMO, three POS and three PPO plans.

MoneyGeek Pick: ConnectiCare Insurance Company

ConnectiCare

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Low out-of-pocket costs

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Few claims denied

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Variety of plan types offered

COMPANY HIGHLIGHTS

MoneyGeek's top pick for the best health insurance in Connecticut for low out-of-pocket costs is ConnectiCare Insurance Company. The company offers one Gold POS plan. POS plans often come with more out-of-network coverage.

It has an average plan rate of $956, and the average maximum out-of-pocket cost for these plans is $7,375.

ConnectiCare has a lower denial rate than most of the competition.

Plan Recommendation

MoneyGeek recommends the following Gold plan:

  • Value Gold Standard POS: $956 per month; MOOP $7,375

Best Cheap Health Insurance in Connecticut

ConnectiCare Benefits is the best cheap provider for health insurance in Connecticut, earning a score of 100 out of 100. The provider offers the cheapest plan options, low out-of-pocket expenses and has fewer claim denials than most other companies.

For our evaluation, we looked at three Silver plans in Connecticut, which included two Silver POS plans and one Silver PPO plan. In determining the best cheap health insurance, MoneyGeek put more emphasis on plans with lower monthly premiums, but it's important to note that plans with lower premiums typically have higher out-of-pocket costs.

MoneyGeek Pick: ConnectiCare Benefits

ConnectiCare Benefits, Inc.

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Fewest denied claims

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Lowest out-of-pocket costs

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Competitive premium rates

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Variety of plan options

COMPANY HIGHLIGHTS

MoneyGeek's top pick for the best cheap health insurance in Connecticut is ConnectiCare Benefits, Inc. It offers a number of Silver plans that are good choices for people looking to save money on health care.

ConnectiCare Benefits provides Silver PPO plans. PPO plans usually give people the choice to visit doctors outside their network.

The plans the company offers have an average rate of $656, and the average maximum out-of-pocket cost for these plans is $9,100.

ConnectiCare Benefits has a 5% denial rate, which is lower than most of the competition.

Plan Recommendation

MoneyGeek recommends the following cheap Silver plan:

  • Choice Silver Standard POS: $656 per month; MOOP $9,100

Best Health Insurance for Young Adults in Connecticut

ConnectiCare Insurance Company offers the best health insurance in Connecticut for young adults, with a MoneyGeek score of 76 out of 100.

The provider has favorable scores in areas including provider out-of-pocket costs and claim denial frequency. Only individuals under the age of 30 can get Catastrophic coverage.

We evaluated one Bronze HMO plan, five Bronze POS plans, four Bronze PPO plans, one Catastrophic HMO plan and one Catastrophic POS plan for this category.

MoneyGeek Pick: ConnectiCare Insurance Company

ConnectiCare

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Low out-of-pocket maximum costs

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Very few claims denied

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Diverse plan options available

COMPANY HIGHLIGHTS

ConnectiCare Insurance Company is the best health insurance pick for young adults in Connecticut. It has two Bronze plans. This insurance costs about $461 a month. The most you will have to pay in a year is $8,163.

ConnectiCare offers both PPO and POS plans. These plans let you see doctors outside the network.

The insurer offers an average plan rate of $461. The average maximum out-of-pocket cost for these plans is $8,163.

This company has a lower denial rate than most of the competition.

Plan Recommendations

MoneyGeek recommends the following plans for young adults:

  • Value Bronze Standard POS HSA: $453 per month for 18-year-olds and $508 per month for 26-year-olds; MOOP $7,225
  • Value Bronze Standard POS: $469 per month for 18-year-olds and $526 per month for 26-year-olds; MOOP $9,100

Best Health Insurance by Plan Type in Connecticut

Health insurance companies have different types of plans. The best providers for all plan categories in Connecticut are:

  • PPO: Anthem Blue Cross and Blue Shield (MoneyGeek score: 100 out of 100)

MoneyGeek's recommendations only took Silver plans into account. Silver plans offer a good balance between monthly costs and the costs you pay when you receive care. These plans work well for people who go to the doctor or have health services regularly.

In Connecticut, there are two Silver POS plans and one Silver PPO plan available.

MoneyGeek Pick for PPO: Anthem Blue Cross and Blue Shield

Anthem Blue Cross and Blue Shield
COMPANY HIGHLIGHTS

MoneyGeek's top pick for the best health insurance in Connecticut for Silver PPO plans is Anthem Blue Cross and Blue Shield. It offers an average plan rate of $620, and the average maximum out-of-pocket cost for these plans is $9,100. With a denial rate of 22.74%, this provider has a higher-than-average rate of denying claims.

PPO plans are popular because you can choose your own doctors and see specialists without a referral. This makes PPO plans good for people who want more choice. However, they can be more expensive than other plans, so they may not be the best option if you need to watch your spending.

Plan Recommendation

We suggest the following Silver PPO plan from Anthem Blue Cross and Blue Shield:

  • Silver PPO Standard Pathway: $620 per month; MOOP $9,100

How to Find the Best Health Insurance for You in Connecticut

In Connecticut, the ideal health insurance plan for you is determined by your specific health care requirements and financial considerations. Striking a balance between affordable monthly premiums and reasonable out-of-pocket expenses is important when buying a health insurance plan.

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    Understand when a health insurance plan will cover you

    Health insurance plans have a list of doctors and hospitals that are in-network. These are places that agree to take your plan. When you go out of network, these places don't have that agreement and might cost more. In Connecticut, some plans let you see doctors outside the network, but then you might pay more.

    Other plans in Connecticut might not pay if you go out of network. This means you could pay the full cost. The choice is between more choices or paying less with fewer choices.

    In Connecticut, there are one PPO plan and two POS plans.

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    Weigh the cost of premiums vs. the cost of care

    When looking for health insurance, it is important to think about how much you pay each month and how much you might have to pay for doctors or hospitals. You have to find the right balance for what you need.

    Plans with less money each month usually make you pay more when you see a doctor or go to the hospital. If you pick a plan that costs more each month, the most money you might have to pay in a year could be less. This can help you save money if you go to the doctor a lot.

    The Silver PPO Standard Pathway plan from Anthem Blue Cross and Blue Shield is one example. It has a maximum out-of-pocket cost of $9,100 for a year. This plan costs $620 each month. This monthly price might be different from what other Silver plans from Anthem charge on average. If this plan makes it easier to see good doctors and use good hospitals, it might be a great choice even if it costs a little more each month.

Consider Connecticut Medicare or Medicaid if You’re Eligible

Medicare is a government health care program designed to provide affordable coverage for individuals aged 65 and older. It’s also available to those with qualifying disabilities or illnesses.

This program includes three main parts:

  • Part A: Offers free hospital insurance and covers inpatient expenses and certain health care services.
  • Part B: Provides medical insurance for doctor's services, outpatient care, medical supplies and preventive services.
  • Part D: Includes prescription drug benefits.

We evaluated the best Medicare Advantage plans in Connecticut and the best Medicare Supplement plans in Connecticut if you qualify for these plans.

Medicaid is a government health insurance program that provides free coverage to eligible individuals with low incomes or other qualifying factors. In Connecticut, which is a Medicaid expansion state, you can qualify for Medicaid based on your income. To be eligible, your income must be at or below 138% of the Federal Poverty Level.

FAQ About Health Insurance in Connecticut

People shopping for health insurance in Connecticut usually have questions about costs and availability. We answered the most commonly asked questions to help you find the best plan that meets your individual needs.

What is the best health insurance provider in Connecticut for 2024?
What should you look for when shopping for the best health insurance plan in Connecticut?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.