Connecticut Individual and Family Health Insurance

Find Connecticut health insurance plans in the following metropolitan areas: Bridgeport, Bristol, Danbury, Fairfield, Hartford and other locations.

Connecticut Health Insurance 101

Connecticut’s three million inhabitants earn on average about $49,901 per year.  Many of these good folks get their individual health insurance through an employer. Yet, nearly 139,521 of them search for individual and family health insurance plans directly through Connecticut’s health insurance providers. 

When comparing the difference between costs of premiums on the individual and group markets in 2004, we found that the residents of Connecticut face the following expenses:

•    Individual health insurance: For a single person, individual health insurance costs $174, while the premiums are $465 for a family of four. 
•    Group health insurance: For a single person obtaining employer health insurance, the cost is $880, while it is $2,980 for a family health insurance plan.

As you can see, prices for health insurance are less on the individual market than they are on the group (employer-based) market. 

In Colorado, only 65% of private sector employers offer a health insurance plan and only 55% of employers with fewer than 50 employees offer a small business health plan. Consequently, many good people are seeking health insurance on their own.  As your health insurance agent, InsureMonkey can help you if you are one of these people.

Connecticut Health Insurance Providers

Connecticut’s High Risk Pool

Connecticut offers a solution for people whose serious and ongoing medical conditions prevent them from securing an affordable health insurance plan on the individual market.  The state has formed what is called a “high risk pool.” By grouping the aforementioned people together in a single pool, the state is able to offset the high cost of coverage with a subsidy.  There are currently 2,523 people in the pool.  

The monthly premiums for people in Connecticut’s high risk pool are $717 per month per person, and the state pays the remaining costs. There is a $1,500 deductible on these policies.

If you’ve been declined coverage and want to see if you qualify to join the high-risk pool, please contact the Connecticut Health Reinsurance Association at (800) 842-0004.


Connecticut’s Uninsured

The state has 325,516 residents who are uninsured.  The vast majority of these residents are uninsured because their employer does not offer large or small business health insurance.  Others are entrepreneurs who do not have self employed health insurance.
Others have no insurance because they are without a job. Whatever the reasons, it is our goal, as a health insurance agent, to help everyone who has no insurance find it. 


Connecticut SCHIP

SCHIP pays the health insurance premiums for uninsured children of low-income parents.  Parents with children who are interested in the program must meet the family/household income requirements of falling between 100% and 200% of the poverty rate.  What does this mean? In essence, it means that a family earning between $17,170 and $34,340 with uninsured children qualifies based on income eligibility.  At the moment, around 17,200 needy kids benefit from Connecticut’s SCHIP program.

For more information, please contact Connecticut HUSKY at (877) 284-8759 or click http://www.healthinsurancefinders.com/healthinsurance/connecticut/schip.html.
 

Medicaid in Connecticut

The Medicaid plan pays for health insurance for low-income families, pregnant women, children, disabled individuals, the elderly and nursing home residents. 

The income eligibility guidelines for those seeking Medicaid in Connecticut are:

•    Children
      o    Infants Ages 0-1:  $32,560 or 185% of the Federal Poverty Level
      o    Children Ages 1-5:  $32,560 or 185% of the Federal Poverty Level
      o    Children Ages 6-19:  $32,560 or 185% of the Federal Poverty Level
•    Parents
      o    Non-Working:  $32,556 or 185% of the Federal Poverty Level
      o    Working:  $33,636 or 191% of the Federal Poverty Level
•    Pregnant Women
      o    $44,000 or 250% of the Federal Poverty Level

For more information, please contact the State of Connecticut Department of Social Services at (800)842-1508 or click http://www.ct.gov/dss/cwp/view.asp?a=2353&q=305220.

(Facts throughout this page provided by the Kaiser Family Foundation at www.statehealthfacts.org and by The New Health Insurance Solution at www.tnhis.com.  Commentary provided by InsureMonkey.)

State Resources

State of Connecticut
Website: http://www.state.ct.us
 
Executive Office
Governor: M. Jodi Rell (R) (860)566-4840
Head of Health Department: J. Robert Galvin, Commissioner, Department of Public Health (860) 509-7101

Senators
Sen. Christopher J. Dodd (D) (860) 258-6940
Sen. Joseph I. Lieberman (D) (860) 549-8463
 
Medicaid
Website: http://www.ct.gov/dss/cwp/view.asp?a=2353q=305218#MAID
Medicaid Director: David Parrella, Director, Medical Care Administration, Department of Social Services (800)842-1508
Department of Insurance Website: http://www.ct.gov/cid/site/default.asp