Health Insurance

Best Cheap Health Insurance in Connecticut 2022

Best Cheap Health Insurance in Connecticut 2022

Find Cheap Health Insurance Quotes in Connecticut

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The cheapest Silver health insurance plan in Connecticut is the Choice Silver Standard POS plan from ConnectiCare. This plan is the cheapest Silver plan in every Connecticut county. However, the cost of coverage differs depending on the county.

The average cost of health insurance in Connecticut is $575 per month for a 40-year-old.

Select a plan tier to learn more:

Individual health insurance in Connecticut 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. In Connecticut, health plans are provided by two companies: Anthem BlueCross BlueShield and ConnectiCare.

Cheapest health insurance coverage by metal tier

To help you in finding the best health insurance, we 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 matches your medical needs.

Metal tier
Cheapest plan
Monthly cost for a 40-year-old
Maximum Out-of-Pocket
BronzePassage Bronze Alternative PCP POS$384$8,700$7,000
SilverChoice Silver Standard POS$494$8,600$4,300
GoldGold HMO BlueCare Prime$467$8,700$2,500
PlatinumFlexPOS Platinum Alternative$619$3,000$1,200

Health insurance in Connecticut is broken into four metal tiers: Bronze, Silver, Gold and Platinum. As you can see from the table above, while Bronze plans have the lowest premiums, they also have 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 factors in determining your monthly premium is 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.

Cost of health insurance in Connecticut

As you can see, a 40-year-old will pay 28%, or $122, more per month for a Silver policy compared to a 21-year-old. As you get older, policies become even more expensive, 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 who has a household family income of less than 138% of the federal poverty level. If you are not eligible for Medicaid coverage, 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 and Platinum metal tiers: Best if you expect high medical expenses

The Gold and Platinum metal tiers are 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 you will be able to reach the deductible quicker and then access coinsurance benefits with the insurer. A Gold or Platinum metal tier could be best if, for instance, you need expensive prescription drugs and are required to be filled on a monthly basis.

The cheapest Gold plan in Connecticut is the Gold HMO BlueCare Prime, and the cheapest Platinum plan is the FlexPOS Platinum Alternative. Compare all tiers in Connecticut above.

Silver metal tier: Average deductibles and premiums

Silver metal tier plans have moderate deductibles and premiums compared to the other tiers offered in Connecticut. For example, the average cost of a Silver plan for a 40-year-old is $564. This is $104 more expensive than a Bronze plan and $59 less than a Gold plan.

Silver plans are the only health insurance policies 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 you pay in deductibles, copays and coinsurance. Due to this benefit, a Silver plan might be more cost-effective 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 no laws prohibit 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, only two insurance companies offer plans on the state health marketplace: Anthem BlueCross BlueShield and ConnectiCare. Both offer policies in every county, meaning 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 $84 more expensive in Fairfield County than in Hartford.

Cheapest plan
Age 40
Couple, age 40
FairfieldChoice Silver Standard POS$579$1,157
HartfordChoice Silver Standard POS$494$989
LitchfieldChoice Silver Standard POS$535$1,069
MiddlesexChoice Silver Standard POS$534$1,068
New HavenChoice Silver Standard POS$534$1,068
New LondonChoice Silver Standard POS$535$1,069
TollandChoice Silver Standard POS$535$1,069
WindhamChoice Silver Standard POS$535$1,069


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. The plans and providers for which county-level data was included in the CMS Crosswalk file were used in our analysis; those excluded from this dataset may not appear.

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.