Annual Open Enrollment
The Open Enrollment Period for 2025 health and dental insurance coverage begins November 1, 2024. This is the time you can shop, compare, and enroll in or renew a Qualified Health Plan (QHP) and/or Stand-Alone Dental Plan (SADP). Whether you are renewing coverage or looking at insurance options for the first time, Access Health CT is here to help you understand how to enroll and what to expect during Open Enrollment. If you have already shopped before, take another look.
New Customers >
COMPARE YOUR OPTIONS TO FIND THE RIGHT PLAN FOR YOU
Understand the types of financial help or coverage you qualify for and find free help if you need a plan recommendation.
Create an account to begin the application process or use our tool to see if you qualify for financial help.
Renewing Customers >
REVIEW YOUR INFORMATION AND UNDERSTAND YOUR RENEWAL PROCESS
Access Health CT encourages all customers to shop and compare plans this year. Make sure your preferred doctors are in-network and prescriptions drugs are covered by your plan. If you are already enrolled through Access Health CT, you may need to take action to renew your health and/or dental insurance plan and see all the financial help available to you.
Sign in to report changes or review current household information.
Enrollment Checklist:
What you need to complete an application
Have this information for yourself and anyone in your household applying for coverage:
- Dates of birth
- Social Security numbers
- Visa, Green Card or immigration documents
- Most recent Form W-2 and/or Form 1040 or Form 1099
- Current insurance coverage
- Paystubs, Profit & Loss statements, or other employment information to confirm income for everyone in your tax household
Frequently Asked Questions: Annual Open Enrollment Period
1. Who can enroll through Access Health CT?
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- HUSKY Health (Medicaid/Children’s Health Insurance Program (CHIP)): You must be lawfully present in the U.S., and most individuals must also meet a five-year residency requirement. You are excluded from this requirement if you are a child, pregnant, a refugee/asylee, Cuban/Haitian entrant or a victim of trafficking. Amerasians, Iraqi, and Afghan special immigrants, and aliens whose deportations are withheld, are also excluded from meeting the five-year residency requirement.
- Qualified Health Plans (QHPs) & Stand-Alone Dental Plans (SADPs): You must be a Connecticut resident, a U.S. citizen or lawfully present in the U.S. and not incarcerated (other than pending final disposition of charges). If you are eligible or enrolled in Medicare, Veterans Affairs benefits, or TriCare, your eligibility to enroll in a QHP and/or SADP will depend on the type of coverage you’re offered. If your current health coverage is considered comprehensive, also known as “minimum essential coverage,” then you are ineligible to enroll in a QHP. If your current minimum essential coverage also includes dental coverage, then you are ineligible to enroll in a SADP. The best way to find out if you qualify for a QHP and/or a SADP is to complete an application or contact us for help. (More information)
2. How do I start an application?
- Online at AccessHealthCT.com
- By Phone at 1-855-805-4325 (If you are deaf or hearing impaired, you may use the TTY at 1-855-789-2428 or contact us at 1-855-805-4325 with a relay operator)
- In Person – AccessHealthCT.com/Enrollment-Events
3. What do I need to enroll?
Enrollment Checklist: Have this information for yourself, and anyone in your household applying for insurance:
- Dates of birth
- Social Security numbers
- Visa, Green Card or immigration documents
- Most recent Form W-2 and/or Form 1040 or Form 1099
- Paystubs, Profit & Loss statements or other employment information to confirm income for everyone in your tax household
NOTE: After you enroll, you may need to provide documents to confirm details in your application, like citizenship and income.
4. What should I think about when I enroll in health coverage?
Before you pick a new plan, make sure you know how plans through Access Health CT work and what services are covered. Keep your own needs in mind — search for your doctors, prescription drugs and expected medical services before you apply.
Before You Start: Create an Account or Log In, and make sure your household information is updated now and throughout the year.
Use Compare Plans to take into account your preferred doctors, prescription medications and how frequently you use medical services—then, compare health plans by:
- Monthly payments (premiums)
- Cost sharing (what you pay for services/medicines)
- Doctors (or provider), prescription drug coverage and medical use
To get to Compare Plans, click here or go to AccessHealthCT.com and click “Compare Plans.”
5. Why did my medical premium rates increase from last year?
The insurance companies that offer coverage through Access Health CT have issued rate increases for plans being offered in 2024. This means that if you were enrolled in a health plan in 2023 and will continue with that plan for 2024, you may have to pay more in premium per month than last year. Rate increases must be approved by the Connecticut Insurance Department.
For more information on specific rate increases, you should view the rate increase justification issued by your insurance carrier:
- Anthem Rate Increase Justification: Individual / Small Group
- ConnectiCare Individual Rate Increase Justification
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