Anthem Blue Cross and Blue Shield provides the cheapest overall health insurance in Connecticut, with an average monthly premium of $497. However, availability may vary, we also recommend ConnectiCare Benefits, Inc. for affordable health plans in the state.
Most Affordable Health Insurance in Connecticut
Updated: June 6, 2025
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Key Takeaways
Anthem Blue Cross and Blue Shield offers the most affordable health insurance in Connecticut, with average monthly savings of $304 compared to the state average.
Anthem Blue Cross and Blue Shield offers the best full coverage (gold) plans, with rates starting at $600 per month.
To find the cheapest health insurance for you, decide on a coverage level within your budget, check subsidy eligibility and compare plans from several companies.
Most Affordable Health Insurance Companies in Connecticut
| Anthem Blue Cross and Blue Shield | $497 | $304 |
| ConnectiCare Benefits, Inc. | $656 | $145 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Connecticut Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Connecticut, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below, we've broken down the cheapest companies by category for most in the state:
- Cheapest For Young Adults: Anthem Blue Cross and Blue Shield ($497 monthly)
- Cheapest For Seniors: Anthem Blue Cross and Blue Shield ($1,305 monthly)
- Cheapest Bronze Plan: Anthem Blue Cross and Blue Shield ($546 monthly)
- Cheapest Silver Plan: Anthem Blue Cross and Blue Shield ($620 monthly)
- Cheapest Gold Plan: Anthem Blue Cross and Blue Shield ($600 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
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Age:40
| Anthem Blue Cross and Blue Shield | Silver PPO Standard Pathway | $620 | $45 | $9,100 |
Cheapest Health Insurance Plans by County in Connecticut
While Anthem Blue Cross and Blue Shield is the cheapest overall provider, ConnectiCare Benefits, Inc. ranks as the most affordable and most available in more counties across the state for silver plans (the most commonly chosen plan). Below, you can review which company and plan are most affordable in your area.
| Fairfield | ConnectiCare Benefits, Inc. | $606 | Choice Silver Standard POS |
| Hartford | ConnectiCare Benefits, Inc. | $606 | Choice Silver Standard POS |
| Litchfield | ConnectiCare Benefits, Inc. | $606 | Choice Silver Standard POS |
| Middlesex | ConnectiCare Benefits, Inc. | $606 | Choice Silver Standard POS |
| New Haven | ConnectiCare Benefits, Inc. | $606 | Choice Silver Standard POS |
| New London | ConnectiCare Benefits, Inc. | $606 | Choice Silver Standard POS |
| Tolland | ConnectiCare Benefits, Inc. | $606 | Choice Silver Standard POS |
| Windham | ConnectiCare Benefits, Inc. | $606 | Choice Silver Standard POS |
How to Find the Cheapest Health Insurance in Connecticut
Follow these steps to find affordable health insurance in Connecticut:
- 1
Determine what coverage plan you need and can afford
Every individual's insurance needs vary based on factors like income, age and health. To choose an ideal type of coverage plan, assess what you can afford monthly, and consider personal health risks and lifestyle.
- 2
Find out your subsidy eligibility
Individuals earning between $14,580 and $54,000 qualify for premium tax credits, reducing costs by 40% to 100%. Those earning below 250% of the Federal Poverty Level ($36,450) also benefit from cost-sharing reductions to lower out-of-pocket expenses by up to 73%.
- 3
Consider federal programs if old enough
If you're old enough, consider Medicare/Medicaid programs, Medicare Advantage plans and Medicare Supplement plans in the state. They're often cheaper than traditional options and allow more flexibility with coverage choices.
- 4
Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5
Compare plans during Enrollment
Open Enrollment is from November 1 to January 15, though Special Enrollment is available with qualifying life events. Assess types of coverage, customer reviews, costs and provider availability. Thorough comparison ensures that you select a plan that balances affordability with comprehensive health care coverage.
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Most Affordable Health Insurance in Connecticut: Bottom Line
Connecticut's most affordable health insurance companies are Anthem Blue Cross and Blue Shield and ConnectiCare Benefits, Inc. While we recommend these options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Connecticut Health Insurance: FAQ
Below are frequently asked questions about cheap health insurance in Connecticut:
What is the cheapest health insurance in Connecticut?
In Connecticut, Anthem Blue Cross and Blue Shield offer the most affordable health insurance, with silver plans starting at $497 per month for 40-year-olds. While considering affordability, also explore plans from ConnectiCare Benefits, Inc. and other regional providers that may fit your budget and health needs.
What are the downsides of a cheap health insurance plan?
Cheap health insurance plans save on monthly premiums but often result in higher out-of-pocket expenses during medical events. Pricier plans deliver wider coverage and substantial reductions in out-of-pocket maximums.
Do I qualify for subsidies on health insurance in Connecticut?
Individuals earning between $14,580 and $54,000 qualify for premium tax credits, reducing costs by 40% to 100%. Those earning below 250% of the Federal Poverty Level ($36,450) also benefit from cost-sharing reductions to lower out-of-pocket expenses by up to 73%.
When can I enroll in health insurance in Connecticut?
Open Enrollment is from November 1 to January 15, though Special Enrollment is available with qualifying life events.
How We Decided the Cheapest Health Insurance Companies in Connecticut
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Connecticut based on consumers aged 18, 26, 40, 50 and 60. We considered the cheapest overall to be those that have the lowest monthly premium costs for 40-year-olds due to most in the state being near this age demographically and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.