Medicare in Connecticut serves about 720,000 beneficiaries, with 36% enrolled in Medicare Advantage and the remainder on Original Medicare + Medigap. Average Medigap Plan G premium for a new 65-year-old enrollee: $178/mo. Stand-alone Part D plans average $46/mo.
Medicare Beneficiaries
720,000
Age 65+ and disabled
MA Enrollment
36%
% on Medicare Advantage
Avg Medigap Plan G
$178/mo
New enrollee, age 65
| Topic | Detail | Notes |
|---|---|---|
| Medicare Advantage plans available | 30+ | Varies by county; check medicare.gov plan finder |
| Top MA carriers | UnitedHealthcare, Anthem BlueCross BlueShield CT, Humana | Networks differ by county |
| Stand-alone Part D | $46/mo | Required if you have Original Medicare + Medigap |
| Annual guaranteed-issue Medigap switching | Yes — state protection applies | Connecticut grants annual open enrollment for all Medigap plans with no medical underwriting for residents of any age — one of the strongest state protections in the country. |
Medigap premiums vary by carrier, age, and ZIP code. The 2026 Part B premium is $202.90/month and Part B deductible is $283. Part D out-of-pocket cap is $2,100 in 2026.
Connecticut stands out nationally for granting all Medicare beneficiaries annual Medigap open enrollment with no medical underwriting, regardless of age or health status. This means Connecticut residents can freely switch between Medigap plans every year, preventing insurers from locking in beneficiaries through adverse health screening. The practical result is that CT beneficiaries can shop for lower premiums as insurers release updated rate filings. Yale New Haven Health and Hartford HealthCare are the dominant hospital systems and participate in most MA networks. UnitedHealthcare and Anthem hold the largest MA market shares, but MA penetration in Connecticut is relatively low at around 36% because the strong Medigap switching rights make Original Medicare plus Medigap an attractive and flexible option.
Medigap Plan G premiums in Connecticut average around $178/month — higher than most of the country due to the community health cost base and regulatory environment. However, the annual switching right means beneficiaries can regularly comparison-shop and avoid being stuck with an insurer that raises rates aggressively. Fairfield County, which includes Greenwich and Stamford, has a high concentration of high-income retirees and executives who routinely trigger IRMAA surcharges on their Part B and Part D premiums. Connecticut's insurance regulators actively monitor Medigap rate filings, providing some additional consumer protection beyond federal standards.
In Connecticut, traditional Medicare combined with a Medigap supplement (typically Plan G or N) plus a stand-alone Part D plan provides nationwide access with predictable costs. Plan G covers everything except the $283 Part B deductible.
Medicare Advantage (Part C) plans bundle Medicare Parts A, B, and usually D into one private plan, often with $0 premium beyond Part B. Trade-offs include network restrictions and prior authorization. 36% of Connecticut beneficiaries currently choose MA.
Connecticut grants annual open enrollment for all Medigap plans with no medical underwriting for residents of any age — one of the strongest state protections in the country.
💡 Connecticut Pro Tip
Connecticut beneficiaries typically have access to 30 or more Medicare Advantage plans. The Hartford and New Haven metro areas offer the widest selection. Despite available options, many Connecticut residents choose Original Medicare with Medigap because the state's annual switching rights make Medigap especially flexible.
Medigap Plan G premiums in Connecticut average approximately $178 per month for a 65-year-old — among the higher-cost states nationally. However, because Connecticut allows annual switching without underwriting, residents can comparison-shop each year to find the most competitive rate available.
Yes. Connecticut law grants all Medicare beneficiaries an annual open enrollment period for Medigap with no medical underwriting required. You can switch to any Medigap plan offered in the state once per year without answering health questions. This is one of the most robust Medigap consumer protections in the United States.
Beneficiary counts and MA enrollment percentages from CMS state-level Medicare data; premium averages from 2026 carrier rate filings for Connecticut. Verify current plan costs at medicare.gov before enrolling.
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 May 2026
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