Health Insurance Plans for Individuals & Families in Connecticut

Not Sure Where to Start? You’re Not Alone.

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We’re here to make it easier. Whether you need coverage through Access Health CT (Connecticut’s ACA marketplace), want help finding a private plan, or you're self-employed and unsure where to begin — our team guides you through your options, step by step.


We’ll check for subsidies, explain deductibles vs. premiums in plain English, and help you enroll in a plan that fits your needs and budget. You don’t need to figure it out alone — and you definitely don’t need to overpay.

Understanding Health Insurance Shouldn’t Be This Complicated

Get the Coverage You Deserve — Without the Guesswork

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Plans Through Access Health CT

If you qualify for an ACA plan in Connecticut, you may be eligible for financial help that reduces your monthly premium — and possibly even your copays. We’ll walk you through the process, help you apply, and explain what everything means along the way.

  • Available to individuals & families in Connecticut
  • Income-based subsidies available
  • All plans cover essential health benefits
  • Pediatric dental, maternity, mental health, prescriptions & more
  • Annual Open Enrollment & Special Enrollment Periods

More Choice, More Flexibility

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Looking Beyond the Marketplace?

Private health plans can be a strong option if you don’t qualify for subsidies, need more provider flexibility, or prefer a different carrier network. We’ll help you compare policies and find the right balance of premium, coverage, and access.

  • Available year-round
  • Often includes larger networks
  • Can be customized for your needs
  • Available to self-employed individuals & gig workers
  • Usually requires underwriting or medical history review


Protection During Life’s Transitions

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Need Temporary Coverage?

Short-term health plans can help if you’re between jobs, recently moved, or missed Open Enrollment. These plans provide basic protection for unexpected medical expenses, but they’re not long-term solutions. We’ll help you understand the pros and cons.

  • Immediate coverage start options
  • Ideal for gap periods between major plans
  • Limited in coverage (may not cover pre-existing conditions)
  • Can be canceled anytime
  • Not compliant with ACA standards
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Need Help Understanding Health Plans?

Common Health Insurance Questions

You shouldn’t need a translator to understand your health insurance. Here are a few of the questions we hear most often — and how we help clients get clear answers.

  • Can you help me enroll in Access Health CT?

    Yes. We’re licensed to assist with enrollment through Connecticut’s official health insurance marketplace, including checking for subsidies and filing documentation.

  • What’s the difference between ACA plans and private health insurance?

    ACA plans are purchased through the exchange and come with financial assistance if you qualify. Private plans are outside the marketplace and typically offer more flexibility but no subsidies.

  • Are there penalties for not having health insurance in Connecticut?

    No, Connecticut does not currently have a penalty for being uninsured, but going without coverage leaves you at risk for unexpected medical costs.

  • Can I switch plans mid-year?

    You can only change plans during a Special Enrollment Period, like if you move, lose coverage, or experience another qualifying event.

  • What if I have pre-existing conditions?

    ACA-compliant plans must cover all pre-existing conditions. Short-term plans, however, may not.

Let’s Find the Right Health Plan for You

Local Advisors. Real Help.