Best Health Insurance in Connecticut






Best Overall for Health Insurance in Connecticut
ConnectiCare Benefits offers the best health insurance in Connecticut, with a MoneyGeek score of 96 out of 100. It offers a point of service (POS) plan with low premiums, an affordable MOOP and a zero percent denial rate. In Connecticut, we evaluated 80 POS and 40 preferred provider organization (PPO) Silver health plans in this category.

pros
0% denial rate
Has an affordable MOOP
Cheapest premiums in the state
cons
Only offers POS plans
COMPANY HIGHLIGHTS
ConnectiCare Benefits is MoneyGeek's top health insurance provider in Connecticut. With an exceptional claims denial rate of 0%, it accepts all valid claims. Its Silver POS plans have an affordable premium of around $591 per month and are tied for having the lowest average MOOP costs in the state at $9,100. Point of service (POS) plans offer the flexibility to choose health care providers both within and outside of the network, providing a wider range of options for medical services.
Plan Recommendations
MoneyGeek recommends the Choice Silver Standard POS plan from ConnectiCare, which has an average monthly premium of $591 and a MOOP of $9,100.
Best Health Insurance in Connecticut for Low Out-of-Pocket Costs
ConnectiCare is the top provider in Connecticut for low MOOP costs, earning a MoneyGeek score of 75 out of 100. It offers a MOOP of $6,033, which is the most affordable option. Although it has the highest premium at $761 per month, ConnectiCare has 40 EPO and 80 POS plans and has a claims denial rate of 0%. For this category, we rated Gold and Platinum plans, including 40 exclusive provider organization (EPO), 80 health maintenance organization (HMO), 200 POS and 80 PPO plans.

pros
Cheapest MOOP at $6,033
Offers EPO and POS plans
Denies zero claims
cons
Expensive premiums at $761 per month
COMPANY HIGHLIGHTS
ConnectiCare offers Gold and Platinum plans in Connecticut, including 40 EPO and 80 POS plans that provide greater flexibility in terms of out-of-network coverage. Its plans have an average premium of $761 per month, which is the highest among the compared providers. However, this is offset by ConnectiCare’s MOOP average of $6,033, which is the lowest among the other providers we evaluated. ConnectiCare also has a claims denial rate of 0%. This means that the provider is not likely to reject valid claims from policyholders.
Plan Recommendations
We recommend the following ConnectiCare plans for low MOOP costs:
- FlexPOS Platinum Alternative: $797 per month ($3,000 MOOP)
- Compass EPO Gold Alternative: $691 per month ($9,100 MOOP)
- FlexPOS Gold Standard: $794 per month ($6,000 MOOP)
Best Cheap Health Insurance in Connecticut
ConnectiCare Benefits offers the best affordable health insurance in Connecticut, with a MoneyGeek score of 98 out of 100 at an average rate of $591 per month. The winner in this category was determined by placing greater weight on low monthly premiums. However, keep in mind that cheap health insurance plans typically come with higher out-of-pocket costs. We evaluated 80 POS and 40 PPO Silver plans in this category.
If you're focused soley on cost, MoneyGeek also determined the cheapest health insurance in Connecticut.

pros
Denies zero claims
Affordable monthly premiums
Low MOOP
cons
Only one plan type offered
COMPANY HIGHLIGHTS
ConnectiCare Benefits is the top affordable health insurance provider in Connecticut, with an average rate of $591 per month and a MOOP of $9,100. While it provides excellent affordability, it limits your options to Silver POS plans, with 40 to choose from. POS plans allow individuals to receive services from both in-network and out-of-network providers, giving them greater control over their health care decisions. It also has an excellent claims denial rate of zero percent, ensuring that valid coverage requests are rarely denied.
Plan Recommendations
If you’re looking for an affordable plan, we recommend ConnectiCare Benefits' Choice Silver Standard POS, which costs approximately $591 per month and has an average MOOP of $9,100.
Best Health Insurance for Young Adults in Connecticut
ConnectiCare offers the best health insurance for young adults in Connecticut, with a MoneyGeek score of 76 out of 100. We evaluated providers that offer Bronze or Catastrophic plans, which have lower premiums but higher out-of-pocket costs. Note that Catastrophic plans are available only to individuals under the age of 30. In this category, 96 HMO, 216 POS and 120 PPO plans were evaluated.

pros
Denies zero claims
Low MOOP on average
Offers a couple of plans
cons
Highest premiums of the three providers we evaluated
COMPANY HIGHLIGHTS
ConnectiCare has the highest premiums among the three providers we evaluated, with a monthly cost of $513. However, it has a low average MOOP of $7,900. It also offers 80 POS plans. The company boasts an exceptional claims denial record, with zero claims being denied. This means that young adults can have peace of mind knowing that their valid claims will be accepted without any hurdles.
Plan Recommendations
We recommend the following ConnectiCare plans for young adults:
- FlexPOS Bronze Standard HSA: $508 per month for 26-year-olds and $415 per month for 18-year-olds ($7,000 MOOP)
- FlexPOS Bronze Standard: $519 per month for 26-year-olds and $429 per month for 18-year-olds ($8,800 MOOP)
Best Health Insurance by Plan Type in Connecticut
Health insurance providers offer different plan types based on your desired level of coverage and budget. We found that ConnectiCare Benefits is the best overall provider in Connecticut for POS plans, while Anthem is our top choice for PPO plans. These recommendations are based on the analysis of Silver plans, which strike a balance between premiums and out-of-pocket costs. We evaluated 40 PPO and 80 POS plans in Connecticut.
Best for POS: ConnectiCare Benefits

COMPANY HIGHLIGHTS
ConnectiCare Benefits offers 40 Silver POS plans in Connecticut, with an average rate of $591 per month and an average MOOP of $9,100. It has a 0% claims denial rate, which helps ensure that all valid claims are accepted. A POS plan gives you the ability to choose health care providers from both in-network and out-of-network options, but one con is that it has higher out-of-pocket costs compared to other plan types.
Plan Recommendations
We recommend the Choice Silver Standard POS plan from ConnectiCare Benefits. It has an average monthly premium of $591 and a MOOP of $9,100.
Best for PPO: Anthem

COMPANY HIGHLIGHTS
Anthem offers 40 Silver PPO plans in Connecticut, featuring an average monthly rate of $617 and an average MOOP of $9,100. With a 0% claims denial rate, it is likely that your claims will be approved. One advantage of PPO plans is the flexibility to visit any health care provider without a referral, which provides individuals with a broader network of providers. However, they tend to have higher monthly premiums compared to other plan types.
Plan Recommendations
We recommend the Silver PPO Standard Pathway plan from Anthem, which has an average monthly premium of $617 and a MOOP of $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.
Understand when a health insurance plan will cover you
PPO plans generally provide more flexibility, allowing you to visit specialists or receive care from out-of-network providers without a referral. On the other hand, POS plans have higher out-of-network costs but tend to be cheaper than PPO plans. Connecticut has 40 EPO, 176 HMO, 496 POS and 240 PPO plans.
Weigh the cost of premiums vs. the cost of care
Plans that have lower monthly premiums often have higher out-of-pocket costs. For example, ConnectiCare's Choice Silver Standard POS plan has an average monthly premium of $591 and a MOOP of $9,100, while its FlexPOS Platinum Alternative costs $797 per month with a $3,000 MOOP.
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.
Frequently Asked Questions About Health Insurance in Connecticut
People shopping for health insurance in Colorado 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.
About Mark Fitzpatrick
