Connecticut residents have many options for reasonably priced health insurance. You can enroll in Medicaid or Medicare, purchase an individual policy from an insurer, or get insurance via your employer. As many as fourteen states, including Connecticut, have their health insurance market. Choose the best insurance plan for your family by comparing options and their features. Here are the cheap health insurance in Connecticut.
Top Cheap Health Insurance in Connecticut
Let’s look at the top cheap health insurance providers in Connecticut.
Beem
Beem simplifies managing multiple health insurance plans on a single platform.
Pros: Convenience, potential cost savings through provider negotiation, comparison tools.
Cons: Limited network of insurers, potential hidden fees, coverage gaps due to plan consolidation.
Monthly Cost: Variable (platform fee + individual plan premiums). Research specific costs.
Out-of-Pocket & Deductibles: Depend on chosen plans within Trybeem. Might not directly affect costs but could help find plans with lower costs.
ConnectiCare Benefits, Inc.
It’s a major health insurer offering various plans.
Pros: Established company, variety of plans, potential for discounts, and wellness programs.
Cons: It may not offer the cheapest options, with network limitations depending on your plan.
Monthly Cost (Basic Plan): Estimated at $648 per month (subject to change and depends on factors like age and location).
Out-of-Pocket & Deductibles: Varies by plan. Get a quote for specifics on your chosen plan.
Anthem Blue Cross and Blue Shield (Elevance Health)
Another leading Connecticut insurer known for its extensive network and customer service.
Pros: Large provider network, good customer satisfaction ratings, potential for wellness program benefits.
Cons: May not be the most budget-friendly option.
Monthly Cost (Basic Plan): Estimated $620/month (subject to change and depends on factors like age and location).
Out-of-Pocket & Deductibles: Varies by plan. Get a quote for specifics on your chosen plan.
Access Health CT (Connecticut’s Health Insurance Marketplace)
A state-run marketplace where you can compare plans from various insurers and potentially qualify for subsidies.
Pros: Access to subsidies that can significantly lower costs, ability to compare plans from multiple companies.
Cons: Open enrollment period limitations, may require more research comparing plans.
Monthly Cost (Basic Plan): Depends on the plan and potential subsidies. Use the marketplace tool for personalized estimates.
Out-of-Pocket & Deductibles: Varies by plan. Use the marketplace tool for specifics on your chosen plan.
UnitedHealthcare
A national company, UnitedHealthcare offers a wide range of plans in Connecticut.
Pros: Large network of doctors and hospitals, potential for lower premiums with high-deductible plans.
Cons: Customer service reviews can be mixed, network coverage can vary by plan.
Monthly Cost (Basic Plan): Around $450+ depending on age, location, and plan details
Out-of-Pocket & Deductibles: Varies by plan, but expect higher deductibles with lower monthly costs.
Cigna
Cigna offers a variety of plans in Connecticut, with a focus on wellness programs.
Pros: Known for user-friendly online tools and resources, some plans offer wellness program incentives that can lower costs.
Cons: Network may be narrower than some competitors, some plans might have higher out-of-pocket costs.
Monthly Cost: Around $500+ depending on age, location, and plan details.
Out-of-Pocket & Deductibles: Varies by plan, but may have higher out-of-pocket costs compared to some competitors.
Aetna (Now Part of CVS Health)
Aetna, recently acquired by CVS Health, offers a variety of plans in Connecticut.
Pros: Wide network of doctors and hospitals, potential for integrated care with CVS pharmacies (depending on plan details).
Cons: Out-of-network coverage may be limited, some customer service reviews mention difficulties with claims processing.
Monthly Cost: Around $400+ depending on age, location, and plan details.
Out-of-Pocket & Deductibles: Varies by plan, but expect higher deductibles with lower monthly costs.
Kaiser Permanente (Not Available Statewide)
Kaiser Permanente operates as an HMO model, with a network of its own doctors and hospitals (limited geographical availability).
Pros: Streamlined care experience focusing on preventative care, potentially lowering out-of-pocket costs once you meet deductibles.
Cons: Limited network of doctors and hospitals (only available in certain areas of Connecticut) and minimal flexibility in choosing providers.
Monthly Cost: Around $350+ depending on age, location, and plan details.
Out-of-Pocket & Deductibles: Out-of-pocket costs may be lower after meeting deductibles, but confirm coverage details for your specific location.
Conclusion
Anthem BlueCross BlueShield is the top affordable insurance provider in the state. It also has the fewest complaints and the lowest average pricing of any Connecticut health insurance provider.
Read Related Article: Cheap health insurance in Florida.
FAQs
Who has the lowest health insurance rates in Connecticut
Anthem’s Silver PPO Standard Pathway is Connecticut’s least expensive silver health insurance plan, costing $583 a month for a 40-year-old. However, you must pay $500 if you choose the Bronze plan.
How to get free health insurance in Connecticut?
You must be a resident of the state of Connecticut, a citizen, permanent resident, or legal alien, in need of health care or insurance help, and have a low-to very low-income financial position to qualify for Connecticut Medicaid.
Which has low deductibles and out of pockets in Connecticut?
Gold plans can be helpful if you seek low-deductible insurance. Modest deductibles and frequently modest out-of-pocket expenses for medical care are features of many gold plans.
