Anthem offers the cheapest health insurance in Connecticut at $850 per month on average, saving residents $77 monthly compared to the statewide average. ConnectiCare Benefits, Inc. follows at $885 monthly ($42 in savings), and ConnectiCare Insurance Company, Inc. ranks third at $1,096 ($169 in savings).
Cheapest Health Insurance in Connecticut: Affordable Plans for 2026
Updated: December 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
Anthem, ConnectiCare Benefits, Inc. and ConnectiCare Insurance Company, Inc. have the cheapest health insurance in Connecticut, with average monthly rates ranging from $850 to $1,096.
Anthem offers the most affordable health insurance in Connecticut across most demographics and PPO plans ($729 monthly). Coverage for teens averages $521 monthly, young adults $584, adults $729 and seniors $1,548. ConnectiCare Benefits, Inc. leads for POS plans ($864).
Cheapest Health Insurance Providers in Connecticut
| Anthem | $850 | $77 | $10,200 | $924 |
| ConnectiCare Benefits, Inc. | $885 | $42 | $10,620 | $504 |
| ConnectiCare Insurance Company, Inc. | $1,096 | $169 | $13,152 | $2,028 |
*Average monthly costs represent the mean of all plan rates for each provider in Connecticut, rounded to the nearest dollar. Monthly savings show the cost difference between each provider's average rate and the statewide benchmark.
Anthem
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Deductible
5/5MOOP
Avg. Monthly Rate
$850Avg. MOOP
$8,773Avg. Deductible
$4,802
Most Affordable Connecticut Health Insurance By Category
Your rate depends on your age, plan type and metal tier. Compare monthly premiums against deductibles and out-of-pocket limits to find the best health insurance provider in Connecticut.
Anthem offers the cheapest rates across most demographics in Connecticut. You'll pay higher deductibles ($4,802 average) and out-of-pocket limits ($8,773 average) for those low premiums.
| Teens | Anthem | $521 | $6,247 | $9,400 | $5,000 |
| Young Adults | Anthem | $584 | $7,007 | $9,400 | $5,000 |
| Adults | Anthem | $729 | $8,745 | $9,400 | $5,000 |
| PPO | Anthem | $729 | $8,745 | $9,400 | $5,000 |
| POS | ConnectiCare Benefits, Inc. | $864 | $10,372 | $9,400 | $5,000 |
| Seniors | Anthem | $1,548 | $18,571 | $9,400 | $5,000 |
*These are average rates for all plan types and metal levels, with teens at 18, young adults at 26, adults at 40 and seniors at 60. For plan type costs, we used average rates for 40-year-olds.
Most Affordable Connecticut Health Insurance By Metal Level
Anthem leads Bronze coverage at $602 monthly, Silver at $729 and Gold at $774 for 40-year-olds. Anthem's Gold plans have a $2,000 deductible. Connecticut has no Platinum-tier plans.
| Bronze | Anthem | $602 | $7,228 | $10,000 | $7,000 |
| Silver | Anthem | $729 | $8,745 | $9,400 | $5,000 |
| Gold | Anthem | $774 | $9,293 | $8,000 | $2,000 |
Cheap Connecticut Health Insurance: Personalized Picks
Compare Connecticut health insurance options by selecting your age group, coverage type and benefit tier to find matching rates
Data filtered by:
POS
Silver
40
No
| ConnectiCare Benefits, Inc. | Choice Silver Standard POS | $864 | POS | Silver | $9,400 | $5,000 | 40 | No |
| ConnectiCare Insurance Company, Inc. | Value Silver Standard POS | $985 | POS | Silver | $9,400 | $5,000 | 40 | No |
How to Get Cheap Health Insurance in Connecticut
Connecticut health insurance rates vary widely. Use these strategies to find affordable coverage that meets your needs.
- 1Look Beyond the Cheapest Plans
Don't default to the cheapest Bronze or Catastrophic plan. Silver and Gold plans provide better value when you factor in lower deductibles and out-of-pocket costs, especially if you need regular medical care.
- 2Review Your Medical Spending
Review last year's health care spending. If you only visited the doctor twice and didn't need prescriptions, a high-deductible plan saves money. For example, if you spent $500 last year on two routine doctor visits and one urgent care trip, a Bronze plan with a $6,000 deductible might save you $150 monthly compared to a Gold plan.
- 3Explore HMO Options
HMO plans cost less than PPO options in Connecticut. You'll need to stay within the provider network, but HMO providers can save you $100 or more monthly.
- 4Verify Subsidy Eligibility
Premium tax credits from the Health Insurance Marketplace reduce your monthly costs based on your income. Even middle-income families qualify for assistance. Check your eligibility before purchasing a plan.
- 5Time Your Purchase Right
Open enrollment runs from November 1 to January 15 each year. Missing this window means waiting until next year unless you qualify for a special enrollment period due to major life changes like marriage, birth or job loss.
Cheapest Health Insurance in Connecticut: Bottom Line
Anthem is the cheapest health insurance provider in Connecticut, followed by ConnectiCare Benefits, Inc. and ConnectiCare Insurance Company, Inc. Compare rates from all three insurers across metal tiers and plan types to find your lowest cost.
Affordable Health Insurance in Connecticut: FAQ
We answer common questions about health insurance in Connecticut:
How do I get cheap health insurance in Connecticut?
Shop during open enrollment (November 1 to January 15) and compare plans from Anthem, ConnectiCare Benefits, Inc. and ConnectiCare Insurance Company, Inc. across multiple metal tiers. Check your eligibility for premium tax credits through the Health Insurance Marketplace. HMO plans cost less than PPO options in Connecticut.
How much does health insurance cost in Connecticut?
Health insurance in Connecticut costs an average of $944 monthly ($11,322 annually) across all plan types and metal levels. Monthly rates range from $245 to $2,336 depending on your age, coverage tier and plan type.
Does Connecticut require health insurance?
Connecticut doesn't require health insurance. The federal individual mandate penalty ended in 2019, so you won't face tax penalties for going uninsured. Coverage provides financial protection from high medical costs and covers preventive care and treatment.
Our Methodology
Comparing health insurance in Connecticut means sorting through multiple providers with different rate structures across age groups and plan types. We analyzed every available plan from federal marketplace data to identify which insurers offer the lowest premiums for Connecticut residents.
Research Approach
We collected premium data for five ages: 18, 26, 40, 50 and 60. These ages show how rates change from young adult coverage through near-Medicare eligibility, revealing the full cost range Connecticut residents face at different life stages.
Why We Focus on 40-Year-Olds
Our primary affordability rankings use 40-year-old rates because this age sits at the midpoint of the working-age population in Connecticut. Using one consistent age removes variables and provides clear comparisons across providers without age distorting the results.
Age-Specific Rankings
We also ranked insurers separately at each age bracket. A provider that's cheapest for young adults might not be most affordable for someone near 60, so these age-specific rankings help you find the best rate for your life stage.
All data comes from federal sources and covers metal tiers and plan types available to Connecticut residents through the Health Insurance Marketplace.
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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.