SOLO Plans
SOLO Individual Health Insurance Plans
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.
As you review our plans below, here are some important terms to know:
- POS: Plans with POS ("point-of-service") in their name means you'll be able to visit out-of-network doctors, but you'll pay more.
- HMO: Plans with HMO ("health maintenance organization") in their name means you must visit in-network doctors to have those services covered.
- HSA: This stands for "health savings account." HSA-compatible plans allow you to save money tax-free to use for qualified health care expenses.
Choice Plans
Choice plans let you manage your health your way. You may use any of the doctors, hospitals, labs, and facilities in our large network covering Connecticut, 28 counties of New York, and parts of Massachusetts and Rhode Island.
2025 Choice SOLO POS Coins. $4,000 ded. Silver
This silver plan waives the deductible for primary care provider (PCP) office visits. PCP and mental health office visits have a $50 copay per visit. Members pay 50% coinsurance for specialist and urgent care visits after they’ve met the in-network deductible. There is a mandatory 90-day maintenance drug fill through mail order or members choose to fill maintenance medications (drugs you take every day, month after month) at one of 3 places: Express Scripts home delivery or one of these two retail chains, CVS or Walgreens. Each family member has the option to change their retail chain once per plan year.
Deductible: $4,000 Individual / $8,000 Family*
2025 Choice SOLO POS HSA Coins. $3,500 ded. Silver
After meeting the in-network deductible of this silver plan, members pay 30% coinsurance for in-network services, including primary, specialist, and urgent care, as well as hospitalization. There is a mandatory 90-day maintenance drug fill through mail order or members choose to fill maintenance medications (drugs you take every day, month after month) at one of 3 places: Express Scripts home delivery or one of these two retail chains, CVS or Walgreens. Each family member has the option to change their retail chain once per plan year.
Deductible: $3,500 Individual / $7,000 Family*
2025 Choice SOLO POS Copay/Coins. $5,500 ded. 30% Silver
This silver plan waives the deductible for in-network primary care provider (PCP) and mental health office visits. Copays for in-network services include: $40 for PCP and mental health office visits, and $100 for urgent care. After meeting the in-network deductible, members pay $70 copay for specialist office visits. There is a mandatory 90-day maintenance drug fill through mail order or members choose to fill maintenance medications (drugs you take every day, month after month) at one of 3 places: Express Scripts home delivery or one of these two retail chains, CVS or Walgreens. Each family member has the option to change their retail chain once per plan year.
Deductible: $5,500 Individual / $11,000 Family*
2025 Choice SOLO POS Copay/Coins. $6,000 ded. Silver
This silver plan waives the deductible for in-network primary care provider (PCP) visits, specialist visits, mental health office visits, and urgent care visits. Copays for in-network services include: $40 for PCP and mental health office visits, $70 for specialists, and $100 for urgent care visits. There is a mandatory 90-day maintenance drug fill through mail order or members choose to fill maintenance medications (drugs you take every day, month after month) at one of 3 places: Express Scripts home delivery or one of these two retail chains, CVS or Walgreens. Each family member has the option to change their retail chain once per plan year.
Deductible: $6,000 Individual / $12,000 Family*
2025 Choice SOLO HMO Copay/Coins. $7,700 ded. Silver
This silver plan waives the deductible for in-network primary care provider (PCP) visits. Copays for in-network services include: $40 for PCP and mental health office visits, $60 for specialist visits, and $100 for urgent care visits. There is a mandatory 90-day maintenance drug fill through mail order or members choose to fill maintenance medications (drugs you take every day, month after month) at one of 3 places: Express Scripts home delivery or one of these two retail chains, CVS or Walgreens. Each family member has the option to change their retail chain once per plan year.
Deductible: $7,700 Individual / $15,400 Family*
2025 Choice SOLO POS HSA Coins. $6,000 ded. Bronze
After meeting the in-network plan deductible, members with this bronze plan pay 25% coinsurance for in-network services, including primary and specialist care, urgent care, and hospitalization. There is a mandatory 90-day maintenance drug fill through mail order or members choose to fill maintenance medications (drugs you take every day, month after month) at one of 3 places: Express Scripts home delivery or one of these two retail chains, CVS or Walgreens. Each family member has the option to change their retail chain once per plan year.
Deductible: $6,000 Individual / $12,000 Family*
2025 Choice SOLO HMO HSA $6,500 ded. Bronze
After meeting the in-network plan deductible, members with this bronze plan pay copays or coinsurance for in-network services. Copays for in-network services include: $40 for PCP and mental health office visits, $50 for specialists, and $100 for urgent care visits. There is a mandatory 90-day maintenance drug fill through mail order or members choose to fill maintenance medications (drugs you take every day, month after month) at one of 3 places: Express Scripts home delivery or one of these two retail chains, CVS or Walgreens. Each family member has the option to change their retail chain once per plan year.
Deductible: $6,500 Individual / $13,000 Family*
Contact your broker, make an appointment to visit a ConnectiCare Center, or call us at 800-723-2986 (TTY: 711) 8 a.m. to 5 p.m., Monday through Friday.
