The cheapest Silver health insurance plan in Connecticut is the Silver PPO Standard Pathway from Anthem BlueCross BlueShield.

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The cheapest Silver health insurance plan in Connecticut is the Silver PPO Standard Pathway from Anthem Blue Cross Blue Shield (BCBS), which is available to roughly three-quarters of Connecticut's population. The ConnectiCare Choice Silver Standard POS from ConnectiCare is the most affordable Silver plan in Fairfield County.

The average cost of health insurance in Connecticut is $665 per month for a 40-year-old buying a Silver plan.

The best health insurance company in Connecticut is Anthem BlueCross BlueShield (BCBS), which was recently rebranded to Elevance. It has the lowest rate of customer complaints and the cheapest average costs among Connecticut health insurance companies on the marketplace.

How much does health insurance cost in Connecticut?

In Connecticut, a 40-year-old will pay $665 per month on average for a Silver health plan. Gold plans have higher monthly costs, and Bronze plans are usually cheaper.

Keep in mind that you'll pay less when you visit the doctor with a Gold plan.

Cheapest health insurance in Connecticut

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In addition to the level of coverage you choose, your age also affects your health insurance costs, since rates increase with age. This age-related rate hike is most pronounced as you move into middle age.

In Connecticut, a 40-year-old will pay 28% more for a Silver plan compared to a 21-year-old. However, a 60-year-old will pay more than twice as much as a 40-year-old for that same Silver plan.

Cheapest health insurance in Connecticut

The cheapest Silver health insurance in Connecticut is Anthem's Silver PPO Standard Pathway which costs $583 per month for a 40-year-old.

Cheapest health insurance in CT

Tier
Cheapest plan
Monthly cost

Bronze
Anthem Bronze HMO Pathway Enhanced $500

Silver
Anthem Silver PPO Standard Pathway $568

Gold
Anthem Gold PPO Pathway $550

Monthly costs are for a 40-year-old.

Health insurance plan availability varies by location. The cheapest plan in your area may not be the cheapest plan statewide.

Finding your best health insurance coverage in Connecticut

The county you live in and your income and savings will influence whichhealth plan is best for you.

Connecticut's Affordable Care Act (ACA) marketplace only has two health insurance companies offering policies in the state's eight counties. That means Connecticut offers less choice when choosing an insurance company compared to larger states like New York or California. Still, you may encounter a different set of plans if you live in Stamford rather than Hartford, for example.

When choosing a health insurance plan tier, it's important to take both your financial health and your physical health into account. You should consider a Bronze plan if you're healthy and you can afford a large, unexpected expense. This plan has a low monthly rate but high out-of-pocket costs when you visit the doctor or get a prescription filled.

A Gold plan may suit you better if you suffer from a chronic illness. Gold plans have high monthly rates and low costs when you access medical care.

Silver plans are the best choice for most people, since they offer a good balance between moderate monthly rates and out-of-pocket costs.

Currently, you can't buy Catastrophic health insurance in Connecticut. If you're looking for a cheap health insurance plan, see if you qualify for premium tax credits, also called marketplace subsidies. These can significantly lower your monthly health insurance costs. Alternatively, you could apply for Medicaid if your annual income is at or below $20,000 ($40,000 for a family of four).

Platinum health insurance is also unavailable in Connecticut in 2024, although it was sold as recently as 2023.

Gold plans: Best for people with ongoing illnesses

Gold health plans usually have the most expensive monthly rates and the lowest out-of-pocket costs, such as your deductible, copays and coinsurance. If you're battling an ongoing illness, a Gold plan might be right for you since you'll pay less when you visit the doctor or get a prescription filled.

Gold plans are usually, but not always, more expensive than Silver plans. In Connecticut, the cheapest Gold plan, Anthem Gold PPO Pathway, is $18 per month cheaper than the most affordable Silver plan.

However, on average, most Gold plans cost more than equivalent Silver plans.

Silver plans: Best for most people

Silver plans are a good choice for many people, since they offer moderate rates and affordable costs when you visit the doctor. Unlike Bronze and Gold plans, you can also qualify for cost-sharing reduction (CSR) subsidies with a Silver plan.

CSRs help you pay for your deductible, copay and coinsurance. They're only available to people who have low incomes.

Bronze plans: Best for healthy people with emergency savings

Bronze plans typically have the cheapest monthly rates and the highest out-of-pocket costs. They're a good choice for healthy young people who rarely visit the doctor and who don't need expensive prescription drug coverage.

Medicaid: Best if you have a low income

Medicaid is a government program that offers subsidized health care to people who earn low incomes. If you can't afford to buy a health plan through Access Health CT, the Connecticut healthcare marketplace, Medicaid will probably be your best bet for getting coverage.

Connecticut expanded Medicaid for residents under the ACA, so if you make $20,000 or less (roughly $40,000 for a family of four), you may qualify for Medicaid.

Are health insurance rates going up in Connecticut?

The average cost of health insurance in Connecticut has risen by an average of 10% across all plan levels between 2023 and 2024.

Tier
2022
2023
2024
Change (2023 vs. 2024)
Bronze$460$536$5839%
Silver$564$614$6658%
Gold$622$723$81112%

Monthly costs are for a 40-year-old.

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Best cheap health insurance companies in Connecticut

Anthem BlueCross BlueShield is the best cheap insurance company in Connecticut because it offers the lowest average prices and has the fewest complaints of any Connecticut health insurance company.

There are currently two health insurance companies on the Connecticut State Exchange. However, one company, Connecticare, operates under two different names: ConnectiCare Benefits, Inc. and ConnectiCare.

Best health insurance companies in CT

Company
Cost

Anthem logo
Anthem BlueCross BlueShield
$620

ConnectiCare (owned by Emblem) logo
ConnectiCareNot yet rated$675

Average monthly cost for a 40-year-old buying a Silver plan in CT. Ratings are based on editor reviews of the company.

Anthem BlueCross BlueShield has the cheapest Silver plan in seven of Connecticut's eight counties. However, ConnectiCare is a better option in Fairfield County, which is the closest county to New York City and home to roughly a quarter of Connecticut's population.

Cheapest health insurance by CT county

County
Cheapest plan
Monthly rates

Fairfield
Choice Silver Standard POS$709

Hartford
Silver PPO Standard Pathway$594

Litchfield
Silver PPO Standard Pathway$620

Middlesex
Silver PPO Standard Pathway$652

New Haven
Silver PPO Standard Pathway$652
Show All Rows

Cheapest Silver plan with rates for a 40-year-old

Short-term health insurance in Connecticut

Connecticut does not allow for the sale of short-term health insurance.

If you need health insurance outside of the normal open enrollment period, see if you qualify for a special enrollment period.

Frequently asked questions

Is there free health care in CT?

You may qualify for Medicaid if you earn below $20,000 ($40,000 for a family of four) in Connecticut.

If you aren't eligible for Medicaid, but you make below $58,000 ($120,000 for a family of four) or if you pay more than 8.5% of your income on health insurance, you may qualify for ACA marketplace subsidies, also called premium tax credits, which can lower the cost you pay each month for health insurance.

What is the average monthly cost of health insurance in Connecticut ?

The average cost of a Silver health insurance plan in Connecticut is $665 per month for a 40-year-old. However, you can save up to 15%, or $1,164 per year, with the cheapest Silver plan, Silver PPO Standard Pathway from Anthem BCBS.

What is the most popular health insurance in Connecticut ?

ConnectiCare is the most popular health insurance company in Connecticut. It operates under two subsidiary companies, ConnectiCare and ConnectiCare Benefits, Inc.

Methodology

We used public use files (PUFs) to find average prices for each age group, county and plan tier in Connecticut. Healthinsurance.org provided information relating to Medicaid eligibility and short-term health insurance. Health insurance company ratings came from HealthCare.gov.

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.