Key Facts
HUSKY Health (Medicaid) in Connecticut
Connecticut was one of the earliest states to expand Medicaid, doing so in 2010 before the ACA took full effect. The state's Medicaid program, called HUSKY Health, provides comprehensive coverage through four distinct programs designed to serve different populations.
HUSKY Health Programs
- HUSKY A: Coverage for children, parents, caretaker relatives, and pregnant women
- HUSKY B: Children's Health Insurance Program (CHIP) for children in families with higher incomes
- HUSKY C: Coverage for seniors and individuals with disabilities (aged, blind, disabled)
- HUSKY D: Medicaid expansion coverage for adults ages 19-64 without dependent children
Who Qualifies for HUSKY Health?
- Adults ages 19-64 with income up to 138% FPL ($20,783/year for individuals) - HUSKY D
- Pregnant women with income up to 263% FPL
- Children under 19 with income up to 323% FPL (HUSKY A/B)
- Seniors and people with disabilities meeting income and asset requirements
- Parents/caretakers with income up to 155% FPL
HUSKY Health Benefits
- Preventive care and wellness visits
- Doctor visits and specialist care
- Hospital inpatient and outpatient services
- Prescription drug coverage
- Mental health and substance abuse treatment
- Dental services (comprehensive for children, limited for adults)
- Vision care
- Laboratory and X-ray services
How to Apply
You can apply for HUSKY Health through:
- Online at AccessHealthCT.com
- By phone: 1-855-805-4325
- In person at a Department of Social Services office
- Through a certified application counselor or navigator
Access Health CT Marketplace
Connecticut operates its own state-based health insurance marketplace called Access Health CT. If you earn more than 138% FPL or prefer private coverage with more plan choices, the marketplace offers comprehensive options with potential subsidies.
Available Plan Types
- Bronze: Lower premiums, higher out-of-pocket costs (60% coverage)
- Silver: Moderate premiums and costs (70% coverage) - best for subsidies
- Gold: Higher premiums, lower out-of-pocket costs (80% coverage)
- Platinum: Highest premiums, lowest out-of-pocket costs (90% coverage)
Enrollment Periods
Open Enrollment: November 1, 2024 - January 15, 2025
HUSKY Health accepts applications year-round. You can also qualify for a Special Enrollment Period on the marketplace if you have a qualifying life event.
Average Costs in Connecticut
Health insurance costs in Connecticut vary based on your age, location, plan type, and tobacco use. Connecticut tends to have higher premiums than the national average due to its higher cost of living. Here are typical monthly premiums before subsidies:
| Plan Type | Individual (Age 40) | Family of 4 |
|---|---|---|
| Bronze | $380 - $450 | $1,200 - $1,500 |
| Silver | $480 - $580 | $1,500 - $1,900 |
| Gold | $550 - $650 | $1,700 - $2,100 |
| HUSKY Health | $0 | $0 |
Frequently Asked Questions
Has Connecticut expanded Medicaid?
Yes, Connecticut expanded Medicaid in 2010, making it one of the earliest states to adopt expansion. Adults with household incomes up to 138% of the Federal Poverty Level qualify for HUSKY A (Connecticut's Medicaid program).
What is Access Health CT?
Access Health CT is Connecticut's state-based health insurance marketplace where residents can shop for and enroll in qualified health plans. It offers individual and family coverage with potential subsidies based on income.
When is open enrollment for Connecticut health insurance?
Open enrollment for 2025 coverage through Access Health CT runs from November 1, 2024 through January 15, 2025. You can enroll or change plans during this period without a qualifying life event.
How do I apply for HUSKY Health in Connecticut?
You can apply for HUSKY Health (Connecticut Medicaid) online through Access Health CT, by phone at 1-855-805-4325, or in person at a Department of Social Services office. There is no enrollment period for Medicaid - you can apply year-round.
Need Help Finding Connecticut Coverage?
Our licensed agents specialize in helping Connecticut residents find affordable health insurance that fits their needs and budget.
Get Free Assistance