Connecticut residents have several options when it comes to affordable health insurance coverage, and each one should be able to find a plan that they can both use and afford. As a resident of the state, you can always purchase private Connecticut health insurance plans that are available for your location.

You can find these plans easily enough by perusing our search bar. Enter your zip code, and then you’ll be shown plans from reputable carriers such as Connecticare, Tonic, Golden Rule, and Aetna.

Small Business Health Insurance Connecticut

Private health insurance isn’t your only option if you need coverage. If you’re employed, it’s possible that your employer can offer an employer-sponsored health insurance plan for you and your fellow workers. This can give you a discount on the premiums, as the employer can contribute to the expenses. Also, employees cannot be denied coverage due to a pre-existing medical condition or their use of expensive prescription drugs.

It’s essential you maintain your coverage, but even if you lose or leave your job, you still have other options. The COBRA program allows you to extend your previous employer’s coverage for an additional 18 months as you try to find a new job, although you may have to pay for the full cost of the premium. You can also purchase short-term health insurance until you get a new job with a new health insurance plan.

As the employer, you can purchase health insurance through your business. If you’re the sole proprietor and employee, you can buy a sole proprietor plan after you’ve been running your business for at least three months. Private carriers cannot deny you coverage due to a pre-existing medical condition, although you may be limited to their most basic plans without some of the benefits you wish for.

You can apply for a small group plan if you have a business that employs at least two people who work at least 30 hours a week. This kind of health insurance allows you to get the plan you want even if you have a pre-existing medical condition.

HUSKY Health & Low Income Health Insurance Connecticut

This is the Medicaid program run in the state of Connecticut. It is broken into several different categories to benefit various groups of people. The requirements include income limits set to the federal poverty level. This is $12,140 for individuals, $16,460 for a family of two, and $20,780 for a family of three.

The “HUSKY A” program covers the children of low-income families, along with the parents, caregivers, and pregnant women. As a group, children and their families make up almost two-thirds of  Medicaid clients in Connecticut. The income eligibility ceilings are 196% FPL (federal poverty level) for children up to the age of 18, 258% FPL for pregnant women, and 155% for the parents of dependent children.

This means that for a family of three, the income for children is $40,728.80, $53,612 for pregnant women, and $32,209 for the parents of dependent children.

The “HUSKY B” applies to children whose families have incomes that exceed the “HUSKY A” income ceilings. This is the state version of the federal CHIP, officially known as Children’s Health Insurance Program. This time the limit is 318% FPL, so if your family exceeds this level than you can probably afford private or employer-sponsored insurance coverage. For a family of three, the ceiling is $66,080.40.

“HUSKY C” is for people who are blind, aged, or otherwise disabled, and who also qualify within the income and asset limits. The employer-sponsored version of this is called MED-Connect, which is for employees with disabilities.

If you don’t have children, then you can still get “HUSKY D” Medicaid coverage. Childless adults have to earn an annual income of no more than 138% of the FPL. For an individual, the ceiling is $16,753.20 per year.

Connecticut High-Risk Pool

It’s possible that you’re unable to secure private health insurance because you have a pre-existing medical condition that makes you virtually uninsurable. If you cannot obtain health insurance coverage through the workplace, Connecticut has a high-risk pool known as the Connecticut Health Reinsurance Association (HRA).

To qualify, you need to be under the age of 65 and a Connecticut resident. Your eligible dependents include your spouse as well as your children ages 18 and below. However, the age limit increases to 23 years of age if they’re a full-time student.

The individual plans are available for those who have not had coverage in the last 150 days. However, for the first year of the plan, the pre-existing conditions will not be covered. Those will only be covered in the succeeding year.

Conversion plans can cover these pre-existing conditions right away. To qualify, you must have had some prior coverage for at least 12 months, and you applied and paid your premium within 120 days of your previous health insurance plan. This 120-day period is if you voluntarily lost your coverage. If it was involuntary, then the period extends to 150 days.

Portability plans under the HRA will also cover your pre-existing conditions right away. To qualify, you need to have had 18 months of proper health insurance coverage, and you no longer can use your COBRA option or any other Connecticut health insurance option for that matter. The same 120 and 150-day deadlines apply for your application.

Connecticut Open Enrollment 2019 & Connecticut Obamacare Insurance

The Connecticut Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.

For all your other questions regarding health insurance in Connecticut, please do not hesitate to give us a call at 1-855-881-0430. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.