ConnectiCare offers the cheapest POS, Catastrophic, Silver and Platinum plans in Connecticut, while Anthem provides the most affordable PPO, Gold and Bronze plans.
Several health insurance tiers varying in rates, deductibles and MOOP costs are available. The most common form of plan in Connecticut is POS, and prices may vary based on your age, salary and coverage.
If you are looking to balance monthly premiums with quality claims and coverage, MoneyGeek analyzed the best health insurance in Connecticut.
Most Affordable Health Insurance in Connecticut
Cheapest Health Insurance in Connecticut by Metal Tier
The Choice Silver Standard POS from ConnectiCare Benefits, Inc. is the least expensive Silver plan for the average Connecticut consumer at $591 monthly.
Depending on the metal tier, health insurance costs differ. Usually, a more expensive policy offers additional coverage. Below are the most affordable health plans for each tier:
- Catastrophic: Choice Catastrophic POS with Dental from ConnectiCare Benefits, Inc. ($221 per month for a 26-year-old)
- Bronze: Bronze HMO BlueCare Prime with Added Dental and Vision Benefits from Anthem ($494 per month)
- Silver: Choice Silver Standard POS from ConnectiCare Benefits, Inc. ($591 per month)
- Gold: Gold HMO BlueCare Prime with Added Dental and Vision Benefits from Anthem ($553 per month)
- Platinum: FlexPOS Platinum Alternative from ConnectiCare ($797 per month)
Lower MOOP expenses and more coverage are often included in the more costly monthly rates of Gold and Platinum plans. With Bronze plans, your monthly payment will be lower, but your coverage will be less extensive, and you'll probably have to pay more MOOP costs.
Health insurance policies are categorized into various tiers according to their cost and coverage. For instance, Gold is more valuable than Silver, so the former has a higher monthly cost, a lower MOOP and more coverage.
Given that they won't require as many health care services as older people, younger customers who are in good shape could benefit from selecting a less expensive metal tier like Silver plans. These plans are also available to those with lower incomes who want the opportunity to lower their deductibles.
Cheapest Silver Plans in Connecticut
The Choice Silver Standard POS plan offered by ConnectiCare Benefits, Inc. is the least expensive health insurance in Connecticut, with an average monthly cost of $591. The cheapest plans include:
- Choice Silver Standard POS plan offered by ConnectiCare Benefits, Inc.: $591 monthly
- FlexPOS Silver Standard offered by ConnectiCare: $641 monthly
Silver health insurance plans are widely purchased since they offer reasonable coverage and have deductibles that are cheaper than Bronze plans. The cost-sharing reductions that could lower your payments every month are only available to Silver plans.
Since POS is the most accessible plan type in Connecticut, they are the focus of our recommendations in this section.
Cheapest Gold Plans in Connecticut
The cheapest Gold plan in Connecticut is Anthem's Gold HMO BlueCare Prime with Added Dental and Vision Benefits, which is about $553 monthly. The top three cheapest Gold plans are:
- Gold HMO BlueCare Prime with Added Dental and Vision Benefits from Anthem: $553 per month
- Gold HMO Pathway Enhanced Tiered from Anthem: $559 per month
- Gold PPO Pathway with Added Dental and Vision Benefits from Anthem: $577 per month
While they are typically more expensive upfront, you are going to spend less for health care services with a Gold plan once your insurance begins to cover the expenses. Its deductibles are often lower than those of cheaper plans. However, in Connecticut, Gold plans are less expensive than Silver plans.
Cheapest Bronze Plans in Connecticut
The least expensive Bronze plan in Connecticut is the Bronze HMO BlueCare Prime with Added Dental and Vision Benefits from Anthem, which costs about $494 every month. The cheapest Bronze plans are:
- Bronze HMO BlueCare Prime with Added Dental and Vision Benefits from Anthem: $494 per month
- Bronze HMO Pathway Enhanced Tiered from Anthem: $515 per month
- Bronze PPO Pathway Enhanced Value PCP from Anthem: $516 per month
Since Bronze plans have the cheapest monthly rates but the largest deductibles, you will be on the hook for paying a large portion of the price of your medical expenses.
Cheapest Catastrophic Plans in Connecticut
The least expensive Catastrophic plan in Connecticut is the Choice Catastrophic POS with Dental plan from ConnectiCare Benefits, Inc., which runs roughly $221 each month. In this tier, the two most affordable plans for 26-year-olds are:
- Choice Catastrophic POS with Dental from ConnectiCare Benefits, Inc.: $221 per month
- Catastrophic HMO Pathway Enhanced from Anthem: $390 per month
Catastrophic plans have extremely cheap monthly rates and significant deductibles. For those under 30 who just need medical insurance for unforeseen medical expenses, this plan works well. Preventive care is supposed to be paid for by policyholders.
Cheapest Platinum Plans in Connecticut
The FlexPOS Platinum Alternative plan from ConnectiCare, which costs $797 per month, is the least expensive Platinum plan available in Connecticut.
Platinum plans have the most expensive rates of all the metal categories, but their out-of-pocket costs for services are the lowest. If you anticipate using a lot of medical services and prefer to pay more for insurance, knowing that almost all other expenses are covered by the plan, these plans might work for you.
Cost-sharing reductions (CSRs) for Silver plans may also be available for customers eligible for premium tax credits. Although CSRs have no impact on your premiums, they do reduce other expenses related to your plan. The amount that you must pay for copayments, deductibles and co-insurance is reduced by these discounts.
Cheapest Health Insurance in Connecticut by Plan Type
Although the Point of Service (POS) plan option is the most prominent in Connecticut, the marketplace also offers a number of other plan types. Other types, such as the Preferred Provider Organization (PPO), are also available in the state.
Connecticut's most affordable POS and PPO health insurance companies are:
- POS: Choice Silver Standard POS from ConnectiCare Benefits, Inc. ($591 per month)
- PPO: Silver PPO Standard Pathway from Anthem ($617 per month)
HMO plans are also available in the state, but they are not among the cheapest Silver plans. The key distinction between PPO and POS plans is flexibility. You have the option to select the medical professionals you want to see with PPOs, but this flexibility has a greater price. POS plans offer limited selections but at a reduced cost.
If you are searching for health insurance in Connecticut, you have the choice of purchasing either POS or PPO plans.
- POS plans: If you go to health care facilities that are part of the plan's network, your expenses will be lower. Before seeing a doctor, you need a recommendation from your primary care doctor.
- PPO plans: These make use of outsourced medical professionals and systems of health insurance companies. Policyholders are eligible for price reductions from preferred providers.
- HMO plans: Health Maintenance Organization plans require you to select a primary care physician (PCP) from its network. If you receive health care services outside of your HMO network, coverage will be limited except in emergencies.
Cheapest Health Insurance in Connecticut by County
Some types of plans are not available to all Connecticut residents. The most affordable choice in one county may not be the most affordable choice in another. Browse the Silver plan options that are available in your county using the table below.
Health Insurance Costs in Connecticut by Age and Metal Tier
The overall cost of health insurance is influenced by age and metal tier. For every metal tier, an individual aged 40 in Connecticut will incur, on average, the following monthly insurance rates:
- Catastrophic: $305 per month
- Bronze: $531 per month
- Silver: $604 per month
- Gold: $712 per month
- Platinum: $797 per month
We used a 26-year-old sample profile for Catastrophic plans due to eligibility restrictions.
When you get a more valuable metal plan, you will enjoy the benefits of lower MOOPs and deductibles. Prices for health insurance rise as people get older. For instance, in Connecticut, a Silver plan normally costs an average of $1,277 for senior citizens and $429 for teenagers.
What to Know About Connecticut Health Insurance
Data from private health insurance policies was used to determine the most affordable health insurance in Connecticut. You can participate in open enrollment and select the plan that best suits your coverage needs.
You may also determine whether you qualify for cheaper government health insurance programs like Medicaid and Medicare. Medicaid is available to people with low incomes, whereas Medicare is available to elderly customers or those who have disabilities.
Private Health Insurance in the Connecticut Marketplace
Every year between November 1 to January 15, Connecticut residents have the opportunity to enroll in private health insurance through open enrollment. You have greater flexibility if you register earlier. Residents must enroll by December 15 to begin receiving coverage on January 1.
Eligible Connecticut consumers have access to a special enrollment period during which they can also purchase private health insurance.
Being eligible for special enrollment is determined by factors such as marriage, having a child, quitting a job and more. You typically have 60 days before or following the event to file for or make adjustments to your health insurance.
Medicaid in Connecticut
Since Medicaid costs nothing, it is the most affordable choice for individuals who qualify. You might be eligible for this insurance according to your income since Connecticut is a state that has expanded Medicaid. To be eligible, your earnings must be under 138% of the Federal Poverty Level.
Medicare in Connecticut
Consumers who are 65 years of age or older and those with disabilities are eligible for Medicare. Despite the cost, it is typically less expensive than private health insurance.
Medicare is divided into three categories:
- Part A: A no-cost hospital insurance plan that provides coverage for hospice treatment, other medical services and inpatient costs.
- Part B: This covers preventive care, required medical equipment, outpatient treatment and doctor consultations. Your income will determine the cost.
- Part D: This covers vaccines along with other prescribed medicines and prescription drug insurance. Prices will change based on your plan.
Expert Advice: Finding the Cheapest Health Insurance in Connecticut
- What makes Connecticut health insurance plans unique compared to those in other states?
- What factors should individuals and families in Connecticut consider when selecting a plan with the lowest out-of-pocket maxes?
- Are Health Savings Accounts (HSA) a viable option for those seeking the cheapest Connecticut coverage?
- Are there any special considerations that should be considered when selecting a Connecticut plan for people with pre-existing conditions?
- In your view, what can be done to make health insurance more affordable in Connecticut?
Practitioner in Residence in the School of Health Sciences at the University of New Haven
Connecticut Health Insurance Frequently Asked Questions
Customers tend to have questions about the cost and availability of different health insurance policies. To help you understand more, we answered some frequently asked questions below.
About Mark Fitzpatrick
- HealthCare.gov. "Cost Sharing Reduction (CSR)." Accessed April 24, 2023.