Access Health CT Plans
Get More Coverage for Less Than You May Think
Get care you can trust at a price you can afford. Find a ConnectiCare plan that fits your life all year.
Keys to Plan Names
“Metal levels” tell you the average amount the plans pay for covered services. The chart below describes ranges of premiums and out-of-pocket costs for each plan level.
| Metal Level | Premiums | Out-of-Pocket Costs | Plan Pays* |
|---|---|---|---|
| Gold Plans |
Premiums
Higher |
Out-of-Pocket Costs
Lower |
Plan Pays*
80% |
| Silver Plans |
Premiums
Moderate |
Out-of-Pocket Costs
Moderate |
Plan Pays*
70% |
| Bronze Plans |
Premiums
Lowest |
Out-of-Pocket Costs
Highest |
Plan Pays*
60% |
*Average amount plan pays for covered services.
- HDHP: HDHP stands for " high deductible health plan." An HDHP offers lower premiums in exchange for higher member cost-sharing. Qualified HDHPs allow members to contribute to a Health Savings Account (HSA).
- POS: POS plans allow members to receive care from out-of-network providers, but you may pay more.
- EPO: Plans with EPO (“Exclusive Provider Organization“) in their name combine some of the cost control features of an HMO with some of the flexibility of a POS plan. Members do not need referrals to see specialists, but they must use in-network providers.
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*Integrated medical and prescription drug deductible.
**Available for individuals and families up to 250% Federal of the Poverty Level. Cost Sharing Reduction (CSR) plans are only available through Access Health CT, and enrollment is limited to those individuals with qualifying income levels based on household income and size. Please visit accesshealthct.com to find out if you are eligible to enroll in a Cost Sharing Reduction Plan, which can reduce the amount you have to pay out of pocket for essential health benefits.
Standard plans are the same for all carriers to easily compare options across carriers.
Notice of Rate Justification
Coverage underwritten by ConnectiCare Benefits, Inc., not by Access Health CT.
Teladoc and related marks are trademarks of Teladoc Health, Inc. and are used by ConnectiCare with permission.