Health Insurance

Best Cheap Health Insurance in Connecticut 2021

Best Cheap Health Insurance in Connecticut 2021

Find Cheap Health Insurance Quotes in Connecticut

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The cheapest health insurance in Connecticut for most people is the Choice Silver Standard POS plan from ConnectiCare. This plan is the most affordable Silver plan in every one of Connecticut's counties. However, the cost of coverage differs depending on the county.

Select a plan tier to learn more:

In Connecticut, individual health insurance is available for purchase through the Access Health CT state exchange. There, you can find a policy that fits your medical needs and financial situation. Health plans are provided by two companies in Connecticut: Anthem BlueCross BlueShield and ConnectiCare.

Cheapest health insurance coverage by metal tier

To aid you in finding the best health insurance, we have compared plans at each level of coverage to find the most affordable policies in Connecticut. The table below shows the cheapest health insurance plans for each metal tier, along with the deductible, out-of-pocket maximum and monthly premium for a 40-year-old. This should be used as your initial starting point for evaluating the plan that makes the most sense financially and that matches your medical needs.

Metal tier
Cheapest plan
Out-of-pocket maximum
Monthly premium for a 40-year-old
BronzePassage Bronze Alternative PCP POS$7,000$8,550$337
SilverChoice Silver Standard POS$4,300$8,150$479
GoldGold HMO BlueCare Prime$2,500$8,550$448

Health insurance in Connecticut is broken into three different metal tiers: Bronze, Silver and Gold. As you can see from the table above, Bronze plans have the lowest premiums but also the highest deductibles and out-of-pocket maximums. Generally, deductibles decrease as the metal tier changes, though premiums increase. However, in the table above, the cheapest Gold plan is actually slightly cheaper than the cheapest Silver plan.

One of the main determinants of your monthly premium will be your age. In the graph below, we have compiled the average monthly premium for each tier of coverage depending on the age of the insured.

Cheapest health insurance companies in Connecticut

As you can see, a 40-year-old will pay 28%, or $117, more per month for a Silver policy when compared to a 21-year-old. Policies become even more expensive as you get older, with 60-year-olds paying 112% more than 40-year-olds.

Finding the best health insurance coverage in Connecticut

When searching for the best health insurance, it is important to consider your level of income and expected medical expenses. Connecticut has expanded Medicaid to cover anyone that has a household family income of less than 138% of the federal poverty level. If you are not eligible for Medicaid coverage, then you can purchase an individual health insurance policy through the state marketplace. Below, we have provided details regarding the metal tiers and who they are best suited for.

Gold metal tier: Best if you expect high medical expenses

The Gold metal tier is best if you are older and expect to pay a lot in medical expenses during the year. Although these plans typically cost the most, they have the lowest deductibles. This means that you will be able to reach the deductible quicker and then access coinsurance benefits with the insurer. The Gold metal tier could be best if, for instance, you need prescription drugs that are expensive and are required to be filled on a monthly basis.

The cheapest Gold plan in Connecticut is the Gold HMO BlueCare Prime. Compare all tiers in Connecticut above.

Silver metal tier: Average deductibles and premiums

Silver metal tier plans have moderate deductibles and premiums when compared to the other tiers that are offered in Connecticut. For example, the average cost of a Silver plan for a 40-year-old is $538. This is $122 more expensive than a Bronze plan and $74 less than a Gold plan.

Silver plans are the only health insurance policies that are eligible for cost-sharing reductions if your household income falls below 250% of the federal poverty level. These reductions allow for discounts on the amount that you pay in deductibles, copays and coinsurance. Due to this benefit, a Silver plan might be more cost-effective when compared to a Gold plan.

The cheapest Silver plan in Connecticut is the Choice Silver Standard POS. Compare all tiers in Connecticut above.

Bronze metal tier: Best for young, healthy individuals

The cheapest level of coverage available in Connecticut is the Bronze tier. These plans have the lowest premiums but also the highest deductibles and out-of-pocket maximums. For this reason, Bronze is best if you are young and in excellent health.

The cheapest Bronze plan in Connecticut is the Passage Bronze Alternative PCP POS. Compare all tiers in Connecticut above.

Short-term health insurance in Connecticut

Short-term health insurance is no longer available in Connecticut. In 2020, the state changed the rules governing the requirements of short-term health insurance. Following the rule change, no insurers offer this coverage in the state, though there are no laws prohibiting people from purchasing short-term coverage.

Find Cheap Health Insurance Quotes in Your Area

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Health insurance companies in Connecticut

In Connecticut, there are only two insurance companies that offer plans on the state health marketplace: Anthem BlueCross BlueShield and ConnectiCare. Both companies offer policies in every county, so you have competitive choices when trying to find a plan that fits your needs.

Cheapest Silver plan by county

The typical cost of health insurance and the availability of plans will depend on the Connecticut county in which you live. For example, the Choice Silver Standard POS is the cheapest Silver plan for a 40-year-old in every county, but its monthly premium is $82 more expensive in Fairfield County than it is in Hartford.

Cheapest plan
Age 40
Couple, age 40
FairfieldChoice Silver Standard POS$561$1,121
HartfordChoice Silver Standard POS$479$958
LitchfieldChoice Silver Standard POS$518$1,036
MiddlesexChoice Silver Standard POS$518$1,035
New HavenChoice Silver Standard POS$518$1,035
New LondonChoice Silver Standard POS$518$1,036
TollandChoice Silver Standard POS$518$1,036
WindhamChoice Silver Standard POS$518$1,036


Health insurance rates and plans were pulled from the Connecticut state health insurance exchange, Access Health CT. Using the premiums, averages were determined for a variety of variables such as metal tier, age and county.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.