Affordable Connecticut Personal Health Insurance

Affordable Connecticut personal health insurance plans are available on our website. We have partnered with the very best health insurers in the state to provide you with the lowest available individual and family medical insurance rates in Connecticut. It’s very easy to compare and apply for coverage.

Quotes are provided from top carriers such as Anthem Blue Cross Blue Shield, Cigna, Aetna, UnitedHealthOne, ConnectCare and Celtic. Each of these companies offers many low cost policies to both individuals and families. High deductible, copay, temporary short-term and Health Savings Account plans are offered. Rates can be easily viewed by providing your zip code.

What Are The Cheapest Connecticut Personal Health Insurance Plans?

Other than “short-term” plans, the cheapest policy is UnitedHealthOne’s “Saver 80” plan. It is one of the true catastrophic benefit plans in the US. The coverage is very straightforward and rates are extremely attractive in most parts of the state. Also, car insurance rates in Connecticut are also very affordable.

Although non-preventive office visits and prescriptions are not covered (a small Network discount may sometimes apply), once the deducible has been met, major medical benefits are provided with no lifetime cap on benefits paid. The most popular deductible options are between $2,500 and $10,000.

Another inexpensive option in Connecticut is Aetna’s “Managed Choice Open Access Value” plan that provides benefits similar to the “Saver 80” plan but also adds three additional non-preventive office visits that are only subject to a $30 copay. Deductibles as low as $1,500 are also available.

A healthy 43 year-old male would pay only $72 per month for a “Saver 80” plan with a $10,000 deductible. Lowering the deductible to $5,000 would increase the premium to $97. The “Managed Choice” plan would cost $98 for the $10,000 deductible and only $106 for the $5,000 deductible. A $3,000 deductible would increase the premium to $140. That’s still not a bad rate!

How Do You Apply For A Connecticut Health Insurance Policy?

The process is quick and painless. After you have entered your zip code in the box at the top of the page, you will be asked a few questions. From the information you provide, shortly, you’ll be presented with rate and coverage information from the top companies. You can pick out the plan that best fits your needs or you can utilize live assistance. There are quite a few policy options, but we’ll do everything possible to help point you towards the most affordable medical plans with the best benefits.

Your application usually can be completed through email, regular mail, fax or online. There are a few companies that aren’t as flexible and may require fax or email only. Payments do not necessarily have to be submitted with the application, but it does depend on which Connecticut health insurance company is used. Upon approval, you will have the option to accept or reject the offer.

What About The New Government Health Care That Is Being Offered?

“Obamacare” is not fully implemented in Connecticut yet. For children under age 19, insurers cannot deny coverage on stand-alone plans. And preventive coverage is now offered on most plans without restrictions. But most of the health care bill is not scheduled to go into effect until 2014.

A Supreme Court ruling in 2012 may decide the fate of its implementation. If the bill is struck down, it is likely that a new Congress will work hard to ensure that affordable health insurance in Connecticut remains available.