Health insurance cost in Connecticut
If you're moving to Connecticut without job-based coverage, here's what a Marketplace plan costs before subsidies. Connecticut ranks #47 of 51 for the lowest benchmark premium.
Monthly premium by age
| Age | Benchmark silver | Cheapest bronze |
|---|---|---|
| 21 | $680 | $487 |
| 30 | $773 | $553 |
| 40 | $870 | $623 |
| 50 | $1,215 | $870 |
| 60 | $1,848 | $1,323 |
| 64 | $2,042 | $1,462 |
Scaled from the age-40 average with the federal default age curve, which lets insurers charge a 64-year-old up to 3× what a 21-year-old pays. Excludes tobacco surcharges.
The Connecticut benchmark rose 26% for 2026, in line with the 26% national increase, leaving it 39% above the U.S. average for a 40-year-old.
What is different in Connecticut
- Where to enroll
- Access Health CT
- Open enrollment for 2027
- Oct 23 – Jan 15
- Marketplace insurers, 2026
- 2
- Medicaid expansion
- Since Jan 2014
- Penalty if uninsured
- None
- Average paid after credits, 2026
- $277/mo
- Where and when. Connecticut runs its own marketplace, Access Health CT, so you apply there rather than at HealthCare.gov. Open enrollment for 2027 coverage runs October 23, 2026 to January 15, 2027; pick a plan by December 15 for coverage that starts January 1. That window opens 9 days before HealthCare.gov's.
- Choice of insurers. 2 insurers sell Marketplace plans in Connecticut for 2026, the same number as in 2025. With so few to choose from, check that your doctors are in a plan's network before you pick it. 156,745 people picked a Marketplace plan here for 2026, up 4% from 2025, one of 10 states (counting DC) where sign-ups rose even as the enhanced federal credits ran out.
- What enrollees paid. Enrollees here paid an average of $277 a month after tax credits for 2026, up 24% from the $223 they paid for 2025 (U.S. average: $178). Before credits, the plans they chose averaged $1,030.
- Medicaid. Connecticut expanded Medicaid in January 2014, when the ACA expansion took effect. Adults with income up to 138% of the federal poverty level can generally get Medicaid instead of a Marketplace plan.
- Going uninsured. Connecticut doesn't charge a penalty for going without coverage, and the federal penalty ended after 2018. In 2024, 5.7% of residents had no health insurance (U.S.: 8.2%), and 4.9% bought their own coverage.
Subsidies in 2026
The enhanced premium tax credits of 2021–2025 expired, so 2026 follows the original ACA rules: credits are available for household incomes between 100% and 400% of the federal poverty level, and you're expected to pay between about 2.1% and 9.96% of income for the benchmark plan. Above 400% there's no federal credit. Check your price at Access Health CT.
Frequently asked questions
How much is health insurance in Connecticut in 2026?
The benchmark silver plan for a 40-year-old averages $870 a month before subsidies, and the cheapest bronze plan $623 (KFF analysis of CMS data). That's up 26% from 2025.
How much does health insurance cost for a 60-year-old in Connecticut?
About $1,848 a month for the benchmark silver plan before subsidies, using the federal default age curve.
Did Connecticut expand Medicaid?
Connecticut expanded Medicaid in January 2014, when the ACA expansion took effect. Adults with income up to 138% of the federal poverty level can generally get Medicaid instead of a Marketplace plan.