Find Affordable Coverage in Connecticut
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Connecticut ACA Marketplace Overview
In 2026, approximately 110,000 Connecticut residents are enrolled in ACA Marketplace coverage. Connecticut uses its own state-run exchange for health insurance enrollment.
Connecticut has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in Connecticut?
The benchmark Silver plan (second-lowest-cost Silver plan) in Connecticut costs approximately $541/month before subsidies in 2026. However, most Connecticut residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Connecticut households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Connecticut household income.
Top ACA Health Insurance Companies in Connecticut
The following carriers offer ACA Marketplace plans in Connecticut for 2026:
- ConnectiCare
- Anthem
- Harvard Pilgrim
Plan availability varies by county in Connecticut. Use Access Health CT to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Connecticut
- Bronze: Lowest premiums, highest deductibles. Best for healthy Connecticut residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Connecticut households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Connecticut residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Connecticut counties.
When to Enroll in Connecticut
- Open Enrollment: November 1 – January 15 on Access Health CT
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Connecticut Insurance Resources
- Access Health CT — Official Connecticut enrollment portal
- Connecticut Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit