We are here to provide you, our customer, with everything you need to make an educated decision relative to your new Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Connecticut and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
We are here to provide you, our customer, with everything you need to make an educated decision relative to your new CT Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Connecticut and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
Connecticut State Health Insurance Laws
Before applying for new coverage, it is important to understand Connecticut health insurance regulations. Connecticut does not require insurance companies to accept your application if you have an existing medical condition. Insurance companies in Connecticut have the ability to accept, decline or rider you as an individual.
There are no limits on the monthly premiums that health carriers can charge in Connecticut. Typically factors like age, health history, sex, family size etc all go into the equation. Once you have become insured no Connecticut Insurance Company can cancel you after you become sick, assuming all premiums are paid up to date. Let us help you get a
If you have been declined by an insurance company there is another option; the
Connecticut Health Reinsurance Association. The HRA was designed to offer a high risk pool for residents who have been declined by individual insurance carriers. Husky Health is also another program designed to help make sure every CT child has health insurance and the ability to see a doctor when needed.
If you are interested in getting more information on the health insurance in Connecticut
Like many other residents of Connecticut, you might find yourself on COBRA and not know what to do. COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1985. In short this allows Connecticut Residents to continue getting their Connecticut Group Health Insurance even if they are not employed by their employer anymore.
It is important to understand that most Connecticut residents that are on paying for a CT COBRA Health Insurance Plan are paying a lot of money! There are many options that are available to CT residents. Obviously what you need depends on your situation but here are most of your options;
Far too often, college students find themselves paying a lot for Connecticut Student Health Insurance. This does not have to be the case. It does not matter if you go to The University of Connecticut, Fairfield University, the University of Hartford, or any other school we can help you find affordable student health insurance in Connecticut. There are certain requirements Connecticut has for it’s student health insurance policies, but for the most case CT Student Health Insurance is very affordable. To get a quote just click here!
Connecticut Short Term Health Insurance
Short Term Health Insurance can be very useful if you are in-between jobs, just graduated college, or just started a job that has a 3+ month waiting period before you are eligible for benefits. Connecticut Short Term Health Insurance is very affordable and very easy to apply for. For a quote just click here!
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We understand health insurance premiums continue to skyrocket! If you are a relatively healthy individual, or family, we recommend taking a high deductible plan and paying for the smaller medical expenses out of your pocket. In the short term it might seem like not a great idea, but over the long term most people find themselves saving money year after year.
Still have questions? Please fill out our contact form and a licensed Connecticut Health Insurance Professional will contact you.
Not ready to buy but want to stay in contact with us? Input your email address below and we will send you our contact information automatically so you will always be able to come back with questions or to sign up for a policy.
Top Rated Connecticut Health Insurance Companies
Blue Cross Blue Shield of Connecticut – Blue Cross Blue Shield was founded in 1937. Currently Blue Cross Blue Shield of Connecticut insures 1.75 million people through their wide range of products; medical, life, and disability. Every BCBS is an independent corporation and Blue Cross Blue Shield of Connecticut is just one of 48.
Golden Rule – Golden Rule actually underwrites United Health Cares policies. Golden Rule works exclusively on the individual and group medical markets. It is hard to find a stronger rated company. AM Best rated them (A) for "excellent" and Standard and Poor’s gave them a (A+) which represents "strong".
Humana – Is one of the largest publicly traded health insurance companies in the country. Currently Humana insures about 6.7 million members across the country and in Connecticut. Not only does Humana offer Health insurance in Connecticut, they also offer dental, disability and life insurance. But they specialize in large groups as well as for the individual group market.
Coventry – also known as Coventry Health Care of Connecticut, has been in business since 1988. They are a unique health insurance company because they specialize in offering Connecticut residents self employed health insurance as well as short term health insurance. Currently their network includes over 210 hospitals in the area.
Celtic – Celtic originally started out as a Group Health Insurance Provider in early 1978. Slowly they began focusing more and more on the individual health market, and currently today they exclusively provide individuals medical insurance.
Celtic is known as a conservative company, with high ratings, and great customer service. They have had an Excellent (A-) rating from AM Best since 1986. With a conservative outlook, a focus on a specific medical market (individual health) and strong customer service, it is no wonder why Celtic is a strong player in Connecticut!
