Health Insurance Plans in Nw Hills County, Connecticut (2026)
22 ACA marketplace (Obamacare) plans are available in Nw Hills County, CT, from 3 insurers. The cheapest plan starts at $532.94/month before subsidies (Catastrophic plans, for under-30s, from $304.54).
That ranks 4th lowest of the 6 county areas we track in Connecticut, 2% above the statewide median of $524.70.
Last updated: October 5, 2026 · Source: Official Marketplace Data · How we calculate this
Covers Torrington and Litchfield.
22
Plans Available
$532.94
Cheapest Plan/mo
3
Insurers
Access Health CT
Exchange
Insurers With the Cheapest Plans in Nw Hills
Plans Available in Nw Hills
Sorted by monthly premium · 30-year-old · Before subsidies
ConnectiCare Benefits, Inc. Choice Catastrophic POS with Dental and Vision
ConnectiCare Benefits, Inc.
$304.54/mo
Ded: $10,600
Anthem Health Plans Inc(Anthem BCBS) Catastrophic HMO Pathway Enhanced
Anthem Health Plans Inc(Anthem BCBS)
$310.96/mo
Ded: $10,600
Anthem Health Plans Inc(Anthem BCBS) Bronze HMO Pathway Enhanced
Anthem Health Plans Inc(Anthem BCBS)
$532.94/mo
Ded: $7,000
Anthem Health Plans Inc(Anthem BCBS) Bronze HMO Pathway Enhanced with Adult Dental and Vision Benefits
Anthem Health Plans Inc(Anthem BCBS)
$538.34/mo
Ded: $7,000
Anthem Health Plans Inc(Anthem BCBS) Bronze PPO Pathway with PreventiveRx HSA
Anthem Health Plans Inc(Anthem BCBS)
$564.28/mo
Ded: $6,000
Anthem Health Plans Inc(Anthem BCBS) Bronze PPO Standard Pathway HSA
Anthem Health Plans Inc(Anthem BCBS)
$572.98/mo
Ded: $6,500
ConnectiCare Benefits, Inc. Choice Bronze Standard POS
ConnectiCare Benefits, Inc.
$588.57/mo
Ded: $7,000
ConnectiCare Benefits, Inc. Choice Bronze Alternative POS with Dental and Vision
ConnectiCare Benefits, Inc.
$590.01/mo
Ded: $7,000
Average Premiums in Nw Hills
Avg Bronze Plan
$602/mo
10 plans
Avg Silver Plan
$771/mo
Eligible for CSR cost reductions
Deductibles & Out-of-Pocket Limits in Nw Hills
The premium is what you pay monthly; the deductible is what you pay before the plan starts sharing costs, and the out-of-pocket maximum is the most you can pay in a year. A cheaper premium usually means a higher deductible.
| Metal tier | Plans | Typical deductible | Deductible range | Typical out-of-pocket max |
|---|---|---|---|---|
| Bronze | 10 | $7,000 | $6,000–$7,000 | $9,600 |
| Silver | 3 | $5,000 | $5,000 | $9,400 |
| Gold | 7 | $2,000 | $1,200–$2,000 | $7,900 |
| Catastrophic | 2 | $10,600 | $10,600 | $10,600 |
Typical is the middle plan in each tier, not an average, since one $0-deductible variant would otherwise drag the figure below anything on offer. Silver plans can carry much lower deductibles than shown if you qualify for cost-sharing reductions. Check what you qualify for.
$0 and low-cost health insurance in Nw Hills County
At $23,940 a year (150% of the poverty level), a 40-year-old in Nw Hills County can get at least 4 Bronze plans for $0 a month after the premium tax credit.
| Age | Income $23,940 (150% of poverty level) | Income $31,920 (200% of poverty level) |
|---|---|---|
| 30 | $0 (3+ plans) | $61 or less |
| 40 | $0 (4+ plans) | $46 or less |
| 60 | $0 (6+ plans) | $0 (4+ plans) |
Medicaid: Connecticut expanded Medicaid, so adults earning up to 138% of the poverty level ($22,025 a year for one person, $45,540 for a family of four) usually qualify, and can apply any time of year.
Connecticut adds its own help: Covered Connecticut Program. Who qualifies
2026 premiums in Nw Hills County, scaled by age with the CMS age curve; the credit uses the 2026 IRS percentages. "Or less" and "+" are because the credit is based on the second-cheapest Silver plan and only the cheapest plans are counted, both of which can only make the real figure better. Federal credit only, non-smokers. Income limits · Calculate your own credit
Nearby Counties in Connecticut
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Health Insurance in Connecticut
Compare Connecticut's lowest-premium plans. See how Nw Hills's $532.94/mo starting premium compares to the statewide picture.
View statewide plans Get a QuoteSee Your Actual Price
Enter your ZIP, age, and income for Nw Hills to see subsidy-adjusted prices.
Compare plansFrequently asked questions about ACA insurance in Connecticut
What is the health insurance marketplace in Connecticut?
The Connecticut (CT) health insurance marketplace is Access Health CT (https://www.accesshealthct.com/), a state-based ACA exchange where residents compare and enroll in qualified health plans. Policymage lists 22 plans with live premium data. Open Enrollment runs October 23 through January 15.
How do I compare health insurance plans in Connecticut?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 4 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Connecticut start from $532.94/month before subsidies.
Which Medicaid plan is best in Connecticut?
There is no single "best" Medicaid plan in Connecticut. Medicaid is administered through MCOs such as Anthem Blue Cross Blue Shield, ConnectiCare. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$22,025/year for an individual) is separate from ACA Marketplace plans at Access Health CT. Apply year-round through your state Medicaid office.
Is short-term health insurance available in Connecticut?
Short-term health insurance is sold outside the ACA Marketplace in Connecticut by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at Access Health CT during Open Enrollment (October 23 to January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in CT?
Health insurance in CT starts as low as $532.94/month for a 30-year-old on a Bronze plan before subsidies. Most Connecticut residents who qualify for APTC pay significantly less, some as low as $0/month for a Bronze plan.
What is the cheapest health insurance option in CT for 2027?
The cheapest ACA option in CT for 2027 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan. Both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Connecticut plans and prices at policymage.com/get-quotes.
How do I get health insurance in Connecticut?
To get health insurance in Connecticut, enroll in an ACA Marketplace plan through Access Health CT during Open Enrollment, which runs October 23 through January 15. Plans start at $532.94/month before subsidies. You need your ZIP code, household size, and estimated annual income to apply. Outside Open Enrollment you need a Qualifying Life Event (job loss, marriage, birth, or a move) to enrol through a Special Enrollment Period.
What is the best health insurance in Connecticut?
There is no single best health insurance plan in Connecticut; total annual cost depends on your doctors, prescriptions, and how much care you use. Policymage does not recommend plans. It lets you compare 22 Connecticut plans on premium, deductible, network, and quality rating. Total annual cost is the premium × 12 plus your expected deductible and copays. Cost-Sharing Reductions lower deductibles and copays for incomes between 100% and 250% FPL, and apply only to Silver plans.
How much is health insurance in Connecticut per month?
Health insurance in Connecticut starts at $532.94 per month for a Bronze plan for a 30-year-old, before subsidies. Most residents who qualify for APTC tax credits pay considerably less, and some pay $0/month for a Bronze plan. Your exact monthly cost depends on age, county, household size, and tobacco use.
How do I get free health insurance in Connecticut?
Free or near-free coverage in Connecticut comes from two routes. Medicaid covers adults earning up to 138% of the Federal Poverty Level (roughly $22,025/year for an individual), and you can apply year-round. Above that, APTC subsidies bring many Bronze Marketplace plans to $0/month for Connecticut residents on lower incomes.
When does Open Enrollment end in Connecticut for ACA plans?
Open Enrollment for Connecticut residents runs from October 23 through January 15. Connecticut runs its own exchange (Access Health CT), which set the January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does health insurance cost in Connecticut?
Health insurance in Connecticut starts as low as $532.94/month for a 30-year-old on a Bronze plan before subsidies. With APTC tax credits, many Connecticut residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Connecticut use HealthCare.gov or its own state exchange?
Connecticut runs its own state-based Marketplace called Access Health CT (https://www.accesshealthct.com/). You enroll there directly, not at HealthCare.gov. Plan offerings, enrollment dates, and customer support are managed by Connecticut, not the federal government.
Has Connecticut expanded Medicaid under the ACA?
Yes. Connecticut has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $22,025/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window; you can apply year-round.
What are the income limits for ACA subsidies in Connecticut?
Premium tax credits cover household income from 100% to 400% of the Federal Poverty Level: about $15,960 to $63,840 a year for an individual, or $33,000 to $132,000 for a family of 4. Below 138% FPL most adults qualify for Medicaid instead. Above 400% FPL there is no credit in 2027: the enhanced rules that removed that limit expired after 2025. Use the Access Health CT subsidy calculator for your exact estimate.
Does Connecticut have its own health insurance subsidy?
Yes. Covered Connecticut Program: Adults aged 19 to 64 with household income up to 175% of the poverty level who do not qualify for HUSKY Health can get a Silver plan with a $0 premium and $0 cost sharing through Access Health CT. This is in addition to the federal premium tax credit.
What are the metal tiers in Connecticut (Bronze, Silver, Gold, Platinum)?
Connecticut ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Connecticut?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Connecticut through Access Health CT. For 2026, HDHPs must have a deductible of at least $1,700 (individual) or $3,400 (family), and you can contribute up to $4,400 (individual) or $8,750 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Connecticut ACA plans cover dental and vision?
Connecticut ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits, but adult dental and vision are not federally required. Most Connecticut plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through Access Health CT or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Connecticut?
Outside Open Enrollment, Connecticut residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through Access Health CT.
How do I find in-network doctors and hospitals in Connecticut?
Each Connecticut ACA plan has its own provider network. Before enrolling, look up the plan on Access Health CT, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). Out-of-network costs can exceed the premium difference between plans.
Compare Plans in Nw Hills
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