Health insurance in Connecticut is sold through Access Health CT, with an estimated 40-65 plans available for 2026. The average Silver-tier premium is $450/mo before subsidies for a 40-year-old non-smoker. Medicaid status: Expanded.
Marketplace
Access Health CT
Access Health CT
Avg Silver Premium
$450/mo
Before tax credits, age 40
Medicaid
Expanded
Affordable Care Act status
| Field | Value | Notes |
|---|---|---|
| Marketplace | Access Health CT | State-run exchange |
| Open Enrollment 2026 | Nov 1, 2025 – Jan 15, 2026 | Special enrollment for QLEs year-round |
| Plans available | 40-65 | Bronze/Silver/Gold/Platinum tiers |
| Medicaid expansion | Expanded | Up to 138% FPL |
Premium and plan counts are estimates for 2026 based on prior-year filings and pending rate approvals. Always verify pricing on the marketplace itself before enrolling.
Connecticut's Access Health CT marketplace serves a relatively small but well-covered population. The state's compact geography and strong urban centers like Hartford and New Haven support reasonable carrier competition, with 40–65 plans available statewide. Anthem, ConnectiCare, and Cigna are the primary carriers. Silver premiums average $440–$460/month for a 40-year-old. Connecticut has historically maintained strong navigator and broker networks, contributing to enrollment rates above the national average. Network adequacy is generally strong in Fairfield County, which benefits from proximity to New York providers.
Connecticut was among the first states to expand Medicaid under the ACA and operates HUSKY Health, which covers low-income adults, children, and families. The state has extended Medicaid to children regardless of immigration status and has taken steps to cover pregnant women more broadly. Access Health CT uses its own enrollment platform and has worked to integrate Medicaid and marketplace enrollment through a single eligibility system. Connecticut's high cost of living is partially offset by generous federal and state subsidy structures.
Leading 2026 ACA carriers in Connecticut: Anthem (Elevance), ConnectiCare, Cigna. Plan selection and network breadth vary widely by ZIP code — use the marketplace's plan-finder tool with your ZIP and household income for accurate availability.
Connecticut operates HUSKY Health (Medicaid/CHIP) with one of the higher income eligibility thresholds for parents and children in the Northeast.
Connecticut expanded Medicaid under the ACA. Adults under 138% of the Federal Poverty Level (FPL) qualify — about $20,800/yr for an individual or $43,000/yr for a family of 4 in 2026.
💡 Connecticut Pro Tip
Connecticut operates its own state-based exchange called Access Health CT at accesshealthct.com.
A 40-year-old non-smoker in Connecticut typically pays about $440–$460/month for a Silver plan before subsidies.
Yes. Connecticut expanded Medicaid (HUSKY Health) in 2014. Adults earning up to 138% FPL are generally eligible, with broader coverage for children and pregnant women.
Marketplace data sourced from state and federal exchange filings for Connecticut, April 2026. Premium estimates are 2026-projected.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed April 2026
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