Find Health Insurance and Prescription Savings Plans
Find a Health Insurance Plan
When you have health insurance, that means you generally pay a premium each month and, in return, your health plan will cover a portion of the expenses incurred when you receive medical services from your doctor, hospital or other medical providers.
Open Enrollment – When to Get Health Insurance
Many people in Connecticut receive health insurance through an employer plan.
However, if you are interested in purchasing an individual plan from a health insurer, insurance agent or Access Health CT, the state’s official health insurance marketplace, the time to generally sign up for a plan is during open enrollment, a two-month period near the end of each year.
Depending on your income, you may qualify for tax credits to help lower your costs on an Affordable Care Act (ACA) compliant health plan. These tax credits are only available on health plans acquired through Access Health CT.
The next open enrollment period for health and dental coverage for the 2026 plan year is November 1, 2025, through January 15, 2026.
Outside Open Enrollment – Special Enrollment Periods
It is possible to get health insurance outside of the open enrollment period if you have a qualifying life event such as having a baby, getting married, losing coverage through your job or recently moving to Connecticut.
Where to Get Health Insurance
Business owners: Small Group Plans
Loss of a Job, Loss of Insurance
If you recently lost your health coverage due to the loss of a job or reduction in hours, you may be eligible to stay on your employer’s health plan from 18 to 30 months under federal COBRA or Connecticut State Continuation Coverage.
Learn More: COBRA and CT Continuation of Coverage
Medicare and Medicare Supplement Plans
Medicare is the federal health coverage program for individuals over 65 and as well as individuals with qualifying disabilities. Individuals with Medicare coverage may choose to purchase a Medicare supplement plan, also known as a Medigap plan, from a private health insurer to help pay for those costs that are not covered by a traditional Medicare plan. In Connecticut, the CHOICES program offers free counseling and education to individuals who are Medicare-eligible, as well as their families and their caregivers.
Information on Medicare Supplement Plans
Link to the CHOICES program
Public Health Assistance Programs
Coverage may also be available through public programs such as Medicaid, known as Husky Health in Connecticut. Medicaid is generally available to low-income individuals, families, pregnant women, children, the elderly, and people with disabilities.
Information on Husky Health Plans
Link to all Medicaid services
Prescription Drug Savings Plan in CT
The ArrayRx discount digital card is available to all Connecticut residents and is accepted by most pharmacies. The discount card was launched in October 2023 through the state Comptroller’s Office. There are no membership fees to join and no age or income restrictions.
Learn more: ArrayRx Discount Card
What is NOT health insurance
Beware of organizations or businesses that provide discounts on participating provider bills or offer membership in risk-sharing plans through which members can share the cost of healthcare services for another member. These are not health insurance. Here are some examples:
Medical discount plans (MDP)
Medical discount plans are NOT health insurance but rather provide a discount on a participating medical provider’s normal fee for services. Consumers should only purchase a medical discount card from an MDP organization that is licensed by the Connecticut Insurance Department.
Get more information about CT medical discount plans (PDF)
Non-licensed Risk Sharing Plans
Under these arrangements, members pay a monthly fee. When members have health care expenses, they can request that the plan or other members share part of the cost. However, the plan is not legally obligated to pay for members' health care costs so there is no guaranteed coverage. State insurance regulators do not have oversight of health care sharing plans. A health care sharing ministry is an example of this.