Private and PPO health plans in Connecticut
Private plans are bought directly from insurers, year-round. We compare Ameristead PPO plans on the Cigna PPO network ($0 preventive care, $0 teledoctor), UnitedHealthOne and First Health fixed indemnity. Call (813) 724-3314 (Mon–Sat 8 AM–9 PM ET) or get a free quote; no fee for our help.
Connecticut health insurance facts for 2027
| Marketplace | Access Health CT (state-run) |
|---|---|
| 2027 enrollment | Ends Jan. 15, 2027; Dec. 15 for Jan. 1 (source) |
| Benchmark, age 40 | $1,005/mo (+$135, +15.5%; KFF) |
| State insurance department (questions and consumer help) | Connecticut Insurance Department |
Marketplace enrollment in Connecticut
Connecticut runs its own exchange, Access Health CT, one of 22 State-based Exchanges CMS lists for 2027, so residents apply there rather than on HealthCare.gov. Access Health CT says to enroll by December 15 for coverage starting January 1, 2027, or between December 16 and January 15 for coverage starting February 1, 2027, and that open enrollment ends January 15, 2027 (source).
2027 Marketplace premiums in Connecticut
KFF: $1,005 a month for a 40-year-old before subsidies, up from $870 (+$135, +15.5%). That is $302 above the U.S. average ($703); 6th-highest of 50 states. Its 15.5% rise ranks 19th-highest (U.S.: +12.5%).
| Tier | 2026 | 2027 |
|---|---|---|
| Bronze (lowest) | $623 | $669 |
| Silver (lowest) | $757 | $824 |
| Benchmark silver | $870 | $1,005 |
| Gold (lowest) | $805 | $894 |
Neighbors (2027 benchmark, change): New York $1,041 (+27.4%); Massachusetts $551 (+11.5%); Rhode Island $629 (+24.3%).
Benchmark history (KFF): 2014 $361 · 2018 $545 · 2022 $581 · 2024 $661 · 2025 $693 · 2026 $870 · 2027 $1,005. That is +178% since 2014.
Research averages, not quotes; changes calculated by us. Full table: cost index.
Coverage in Connecticut: enrollment, insurers, Medicaid
Marketplace plan selections grew 39% from 2022 to 2026, and rose 3.7% from 2025 to 2026.
| Year | Plan selections | Insurers |
|---|---|---|
| 2026 | 156,745 | 2 |
| 2025 | 151,151 | 2 |
| 2024 | 129,000 | 2 |
| 2023 | 108,132 | 2 |
| 2022 | 112,633 | 2 |
2024 coverage mix (KFF, Census data): uninsured 5.7% (U.S. 8.2%); employer 51.7%; Medicaid 22.1%; Medicare 14.9%; individual 4.9%.
Medicaid expansion: adopted, implemented 1/1/2014 (KFF). Medicaid income limits as of January 2026 (KFF): 138% of the federal poverty level for parents in a family of three, 138% for other adults.
Getting help in Connecticut
We help clients by phone and video in Bridgeport, New Haven, Hartford, Stamford and statewide.
Frequently asked questions
Does Connecticut use HealthCare.gov?
No. Connecticut has its own state-based Marketplace, Access Health CT (https://www.accesshealthct.com/), listed by CMS among the State-based Exchanges for plan year 2027.
When is 2027 open enrollment in Connecticut?
Access Health CT says to enroll by December 15 for coverage starting January 1, 2027, or between December 16 and January 15 for coverage starting February 1, 2027, and that open enrollment ends January 15, 2027.
Sources (checked November 11, 2026)
- Access Health CT: open enrollment
- Connecticut Insurance Department
- KFF State Health Facts, CMS and HealthCare.gov pages, linked beside each figure above
Plan availability and eligibility are determined by the carrier.