What Plan is Right for Me?

Finding the right health insurance plan depends on your situation, income, and needs. This guide gives you an overview of the different insurance options. When reviewing insurance plans, compare your options based on: 

  • Monthly costs (premiums, deductibles, copays)
  • Doctor and hospital networks
  • Prescription drug coverage
  • Your health needs and current treatments

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Find out what insurance options are available, how to qualify for each and where to enroll for the plan that best fits your needs.
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Learn more about health insurance terminology, frequently asked questions and how you can get the most from your insurance plan.
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I Am or My Spouse is Employed

Employer-Sponsored Insurance is often your most affordable option because employers typically pay part of the premium costs.

What to know:

  • Plans vary widely in design, network, and costs
  • You can choose during annual open enrollment (usually once per year)
  • New employees may have a waiting period (30-90 days) before eligibility
  • Can cover spouse and children (kids can stay on until age 26)
  • Special enrollment window when you first become eligible

Best for: People with access to employer benefits who want affordable, comprehensive coverage

Learn More About Private Health Insurance

I Need Low Cost Health Insurance

HUSKY Health (Connecticut Medicaid) provides comprehensive coverage with little to no cost.

HUSKY A - Children, parents/caregivers, and pregnant women

  • Children (up to 19): Family income up to 196% of Federal Poverty Level
  • Pregnant women: Income up to 258% FPL
  • Parents/caregivers: Income up to 155% FPL

HUSKY B - Children in higher-income families

  • May have monthly premiums and cost-sharing based on income

HUSKY D - Adults without dependent children

  • Income up to 138% of Federal Poverty Level

What's covered: Doctor visits, hospital care, prescriptions, mental health, dental, vision, and more—usually with no monthly premiums and minimal copays

Special benefits:

  • Can cover you retroactively up to 90 days from application date
  • May pay outstanding medical bills from before you applied
  • Eligibility based on current monthly income (including unemployment benefits)

Best for: Low to moderate-income individuals and families who qualify, especially those recently unemployed with reduced income

 

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I'm 65+ or Have a Disability

Medicare provides health insurance for seniors and people with certain disabilities.

Original Medicare:

  • Part A (Hospital): Inpatient care, skilled nursing—most pay no premium
  • Part B (Medical): Doctor visits, outpatient care—about $175/month in 2025
  • Part D: Prescription drug coverage (optional, through private plans)
  • Medigap: Supplemental insurance to help with deductibles and coinsurance

Medicare Advantage (Part C):

  • Private plans combining Parts A & B
  • Often includes prescription coverage
  • May offer extra benefits like dental, vision, hearing
  • Network restrictions apply

Learn more about Medicare

HUSKY C - For seniors and people with disabilities who also qualify for Medicaid

  • Income limit: about $835/month for individuals
  • Asset limit: $1,600 for individuals
  • Includes long-term care services

Special enrollment periods:

  • 8 months to enroll in Parts A & B after losing employer coverage
  • 63 days for Part D or Medicare Advantage
  • 63 days for guaranteed Medigap enrollment after employer coverage ends
  • Penalties may apply if you miss these windows

You qualify if you're:

  • 65 or older, OR
  • Under 65 with disabilities (after 24 months of Social Security Disability), OR
  • Have End-Stage Renal Disease or ALS

Best for: Seniors and people with qualifying disabilities who need comprehensive healthcare coverage

Learn more about HUSKY

 

 

Have questions? We can help. 

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I Am Self-Employed

Access Health CT Marketplace offers plans for individuals and families without employer coverage.

What you get:

  • Multiple plan options from private insurers
  • All plans cover essential health benefits
  • Four metal categories: Bronze, Silver, Gold, Platinum
  • No denial for pre-existing conditions

Financial help available:

  • Premium Tax Credits: Reduce monthly costs for incomes 100-400% of Federal Poverty Level
  • Cost-Sharing Reductions: Lower deductibles and copays for incomes below 250% FPL
  • Based on projected annual income

When to enroll:

  • Open Enrollment: November 1 - January 15 annually
  • Special Enrollment: 60 days after life events like losing coverage, marriage, having a baby, or moving
  • Coverage begins first day of the month after you enroll

Best for: Self-employed individuals, people between jobs, or those whose employers don't offer insurance

 

Have questions? We can help. 

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I Lost My Job and Insurance

You have several options when you lose employer coverage, each with specific timing requirements:

COBRA Continuation Coverage

  • Keep your exact same employer plan temporarily
  • Usually 18 months (up to 36 months in some cases)
  • More expensive but provides continuity of care
  • Learn more about COBRA coverage

Join Family Member's Plan

  • Enroll in spouse/partner's or parent's employer plan (if under 26)
  • Must act within 30 days of losing coverage
  • Coverage typically starts the next month

Access Health CT Marketplace

  • 60-day special enrollment period after losing coverage
  • May qualify for financial assistance based on income
  • Coverage begins first day of month after enrollment

HUSKY Health (if income qualifies)

  • Based on current monthly income (including unemployment benefits)
  • Can apply any time during the year
  • May cover retroactively up to 90 days and pay outstanding bills

Medicare (if 65+)

  • Special enrollment periods: 8 months for Parts A & B, 63 days for Part D
  • Penalties apply if you miss enrollment windows

Best for: Depends on your age, income, family situation, and how long you expect to need coverage

 

Have questions? We can help.

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