Open enrollment for 2023 plans has ended. But in some cases, you can enroll in a health plan if you qualify for a Special Enrollment Period.
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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* |
|---|---|---|---|
| Platinum Plans | Highest | Lowest | 90% |
| Gold Plans | Higher | Lower | 80% |
| Silver Plans | Moderate | Moderate | 70% |
| Bronze Plans | Lowest | Highest | 60% |
*Average amount plan pays for covered services.
- EPO/HMO – Plans with EPO (exclusive provider organization) or HMO (health maintenance organization) in its name allow you to see any doctor or other health care provider who participates in the plan’s network.
- HSA: This stands for "health savings account". HSA-compatible plans allow you to save money tax-free to use for qualified health care expenses.
- POS: Plans with POS ("Point-of service") in their name means you'll be able to visit out-of-network doctors, but you'll generally pay more.
- 2023
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, and parts of Massachusetts and Rhode Island.
2023 Choice Gold Standard POS
This gold plan has copays that are waived from the in-network deductible, including services for: $20 for primary care provider (PCP) and mental health office visits, $40 for specialist office visits, and $50 for urgent care visits.
Deductible: $1,300 Individual / $2,600 Family
Rx Deductible: $50 Individual / $100 Family
2023 Choice Gold Alternative POS with Dental
Members with this gold plan have copays for most in-network services, including the following services that are waived from the in-network deductible: $30 for primary care provider (PCP) visits, $50 for mental health and specialist office visits, and $50 for urgent care visits. This plan also includes adult dental coverage.
Deductible: $3,500 Individual / $7,000 Family*
2023 Choice Gold Alternative POS
This gold plan has copays for most in-network services, including the following services that are waived from the plan’s in-network deductible: $40 for primary care provider (PCP) visits, $50 for mental health and specialist office visits, and 40% coinsurance for urgent care visits.
Deductible: $2,000 Individual / $4,000 Family
Rx Deductible: $75 Individual / $150 Family
2023 Choice Silver Standard POS
This silver plan has copays for most in-network services, including the following services that are waived from the in-network deductible: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $75 for urgent care visits.
Deductible: $5,000 Individual / $10,000 Family
Rx Deductible: $250 Individual / $500 Family
2023 Choice Silver Standard POS (CSR 94%)***
This silver plan for individuals and families who qualify has no deductible. Copays for in-network services include: $10 for primary care provider (PCP) and mental health office visits, $25 for urgent care visits, and $30 for specialist office visits.
Deductible: $0 Individual / $0 Family
2023 Choice Silver Standard POS (CSR 87%)***
This silver plan for individuals and families who qualify has copays for most in-network services, including the following services that are waived from the in-network deductible: $20 for primary care provider (PCP) and mental health office visits, $35 for urgent care visits, and $45 for specialist office visits.
Deductible: $675 Individual / $1,350 Family
Rx Deductible: $50 Individual / $100 Family
2023 Choice Silver Standard POS (CSR 73%)***
This silver plan for individuals and families who qualify features copays for most in-network services and includes the following services that are waived from the in-network deductible: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $75 for urgent care visits.
Deductible: $4,750 Individual / $9,500 Family
Rx Deductible: $250 Individual / $500 Family
2023 Choice Bronze Alternative POS with Dental
This bronze plan waives the deductible for in-network primary care provider (PCP) ($45 copay) and mental health office visits ($60 copay) and urgent care visits ($100 copay). The deductible and copayments do apply to specialist visits. This plan also includes adult dental coverage.
Deductible: $6,250 Individual / $12,500 Family*
2023 Choice Bronze Standard POS HSA
After meeting the in-network deductible, members with this bronze plan pay 20% coinsurance for primary care provider (PCP), specialist, and mental health office visits.
Deductible: $6,500 Individual / $13,000 Family
2023 Choice Bronze Standard POS
This bronze plan has a $50 copay for primary care provider (PCP) and mental health office visits that are waived from the in-network deductible. Specialist office visits have a $70 copay after the in-network deductible is met.
Deductible: $6,550 Individual / $13,100 Family*
2023 Choice Catastrophic POS with Dental****
This is a plan for people under 30 or who qualify because of financial hardship. It has a $30 copay for the first three (3) primary care provider (PCP) and mental health office visits plus coverage for preventive dental care.
Deductible: $9,100 Individual / $18,200 Family*
Compass Plan
With the Compass plan, you can lower your out-of-pocket costs by visiting “preferred” primary care providers (PCPs) and hospitals in the ConnectiCare network. All others are designated as “participating”. You can visit them, too, but you may pay more.
2023 Compass EPO Gold Alternative
This gold plan waives the deductible for preferred primary care provider (PCP) visits ($20 copay). Mental health and specialist office visits ($45 copay), and urgent care visits ($75 copay) are all waived from the deductible. If you chose to see a participating PCP, you will pay 40% coinsurance after deductible. This plan does not have out-of-network coverage other than coverage for some emergency services.**
Preferred Providers Deductible: $1,700 Individual / $3,400 Family*
Participating Providers Deductible: $3,400 Individual / $6,800 Family *
FlexPOS
New FlexPOS plans offer coverage in Connecticut, Massachusetts, New York through EmblemHealth Prime network and nationally through the First Health® network. These plans offer in-network coverage wherever you go in the United States, plus you have emergency coverage worldwide.**
2023 FlexPOS Platinum Alternative
This platinum plan has copays for in-network services and many copays are waived from the in-network deductible including services for: $20 for primary care provider (PCP) and mental health office visits, $30 for specialist office visits, and $50 for urgent care visits.
Deductible: $1,200 Individual / $2,400 Family
Rx Deductible: $200 Individual / $400 Family
2023 FlexPOS Gold Standard
This gold plan has copays that are waived from the in-network deductible, including services for: $20 for primary care provider (PCP) and mental health office visits, $40 for specialist office visits, and $50 for urgent care visits.
Deductible: $1,300 Individual / $2,600 Family
Rx Deductible: $50 Individual / $100 Family
2023 FlexPOS Silver Standard
This silver plan has copays for most in-network services, including the following services that are waived from the in-network deductible: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $75 for urgent care visits.
Deductible: $5,000 Individual / $10,000 Family
Rx Deductible: $250 Individual / $500 Family
2023 FlexPOS Silver Standard (CSR 94%)***
This silver plan for individuals and families who qualify has no deductible. Copays for in-network services include: $10 for primary care provider (PCP) and mental health office visits, $25 for urgent care visits, and $30 for specialist office visits.
Deductible: $0 Individual / $0 Family
2023 FlexPOS Silver Standard (CSR 87%)***
This silver plan for individuals and families who qualify has copays for most in-network services, including the following services that are waived from the in-network deductible: $20 for primary care provider (PCP) and mental health office visits, $35 for urgent care visits, and $45 for specialist office visits.
Deductible: $675 Individual / $1,350 Family
Rx Deductible: $50 Individual / $100 Family
2023 FlexPOS Silver Standard (CSR 73%)***
This silver plan for individuals and families who qualify features copays for most in-network services and includes the following services that are waived from the in-network deductible: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $75 for urgent care visits.
Deductible: $4,750 Individual / $9,500 Family
Rx Deductible: $250 Individual / $500 Family
2023 FlexPOS Bronze Standard HSA
After meeting the in-network deductible, members with this bronze plan pay 20% coinsurance for primary care provider (PCP), specialist, and mental health office visits.
Deductible: $6,500 Individual / $13,000 Family*
2023 FlexPOS Bronze Standard
This bronze plan has a $50 copay for primary care provider (PCP) and mental health office visits that are waived from the in-network deductible. Specialist office visits have a $70 copay after the in-network deductible is met.
Deductible: $6,550 Individual / $13,100 Family*
*Integrated medical and prescription drug deductible.
**Subject to limitations
***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 income and household 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.
**** Catastrophic plans are available to those under age 30 and those who qualify for certain exemptions through Access Health CT.
Standard plans are the same for all carriers to easily compare options across carriers.
Coverage underwritten by ConnectiCare Benefits, Inc. and ConnectiCare Insurance Company, Inc., not by Access Health CT.
Teladoc and related marks are trademarks of Teladoc Health, Inc. and are used by ConnectiCare with permission.
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Any information provided on this Website is for informational purposes only. It is not medical advice and should not be substituted for regular consultation with your health care provider. If you have any concerns about your health, please contact your health care provider's office. Also, this information is not intended to imply that services or treatments described in the information are covered benefits under your plan. Please refer to your Membership Agreement, Certificate of Coverage, Benefit Summary, or other plan documents for specific information about your benefits coverage.