3 Easy Steps

  1. 1. Make your Selection
  2. 2. Compare Plans
  3. 3. Apply
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Access Health CT

 

Welcome to ForHealthInsurance.com’s guide to buying Connecticut health insurance at Access Health CT, Connecticut’s state run online health insurance marketplace established as part of the Affordable Care Act. If you’re confused about the marketplace, what sort of subsidies you might be eligible for, or are just curious about how health care reform affect Connecticut health insurance, then you’ve come to right place.

Picking your Access Health CT plan

The different types of Connecticut health insurance plans available at Access Health CT are broken up broadly into four different categories based on monthly price, and out of pocket costs. Deciding which of the four categories is right for you depends a lot on your personal needs. We recommend that before beginning your health insurance search you take an honest stock of your health and financial situations. Are you going to need Connecticut health insurance for any major medical procedures in the near future? Do you have a pre-existing condition that requires special care? How much are you willing to spend each month for health insurance?

Platinum, Gold, Silver or Bronze?

Those metal names in the heading are the different categories of Connecticut health insurance plans available on the Access Health CT marketplace. So what do they mean? Well as in real life, the closer you get to Platinum the more expensive the plan will be. When we say more expensive, we’re talking about the premium you pay to the insurance company every month.

It’s worth noting that a bigger premium doesn’t necessarily more coverage. All health insurance plans sold at the state marketplaces need to cover an array of standard medical services spread across 10 essential benefits categories as defined by the ACA.

What plans with expensive premiums do differently is that they come with much lower out of pocket costs than than the plans with more affordable premiums. Take for example a Gold level Connecticut health insurance plan at Access Health CT. When enrolled in a Connecticut health insurance plan at this level you’ll be paying sizable monthly premiums as compared to the Bronze or Silver level. However at the Gold level at Access Health CT you’ll pay a smaller copay for each visit to the doctor than you would at the Bronze or Silver level.

Don’t these things come with a discount?

Whether you qualify for a health insurance subsidy for a Connecticut health insurance plan at Access Health CT, and how much it’ll cost you really depends on how much money you make over the course of a year. If your annual income is between 100 and 400 percent of the current year’s definition of the Federal Poverty Line then you qualify for a subsidy. The formula to determine your actual dollar amount is of course a bit more complicated than that. But as long as you fall into that 100 to 400 percent range then by law you won’t pay more than 9.5 percent of your income towards Connecticut health insurance on Access Health CT.

How do I buy an Access Health CT plan?

To buy Connecticut health insurance at Access Health CT give us a call here to speak with one of our health insurance experts or enter your zip code above to see what plans are available in your area.