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SOLO Plans

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Open Enrollment is Here

SOLO Individual Health Insurance Plans

Open Enrollment runs from Nov. 1 through Dec. 15 for coverage effective Jan. 1 and Dec. 16 through Jan. 15 for coverage effective Feb. 1. If you have a qualifying life event, you may be able to enroll in a 2025 plan after Jan. 15, 2025.

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 Higher Lower 80%
Silver Plans Moderate Moderate 70%
Bronze Plans Lowest Highest 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.

See plan documents

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.

See plan documents

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.

See plan documents

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.

See plan documents

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.

See plan documents

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.

See plan documents

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.

See plan documents

Deductible: $6,500 Individual / $13,000 Family*

Passage Plans

Passage plans put your health care right where it belongs: between you and your doctor. You must, however, choose a PCP from those who accept Passage plans and get your PCP to refer you to some types of specialists.

2024 Passage SOLO HMO Copay/Coins. $7,500 ded. Bronze

This bronze plan waives the deductible for primary care provider (PCP) office visits. Members with this plan must use PCPs who participate in the Passage plan and must get their PCP’s referral to many types of specialists. PCP office visits have a $40 copay per visit. 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.

See plan documents

Deductible: $7,500 Individual / $15,000 Family*

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.

2024 Choice SOLO POS Coins. $4,000 ded. Silver

This silver plan waives the deductible for primary care provider (PCP) office visits. PCP office visits have a $50 copay per visit. Members pay 50% coinsurance for specialist and mental health office visits 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.

See plan documents

Deductible: $4,000 Individual / $8,000 Family*

2024 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.

See plan documents

Deductible: $3,500 Individual / $7,000 Family*

2024 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 office visits. Copays for in-network services include: $40 for PCP visits, $70 for 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.

See plan documents

Deductible: $5,500 Individual / $11,000 Family*

2024 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 other PCP office visits, $70 for specialist and mental health office 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.

See plan documents

Deductible: $6,000 Individual / $12,000 Family*

2024 Choice SOLO HMO Copay/Coins. $8,000 ded. Silver

This silver plan waives the deductible for in-network primary care provider (PCP) visits), PCP visits ($30 copay) mental health office visits ($50 copay), specialist visits ($50 copay), and urgent care visits ($100 copay). 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.

See plan documents

Deductible: $8,000 Individual / $16,000 Family*

2024 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.

See plan documents

Deductible: $6,000 Individual / $12,000 Family*

2024 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 other PCP office visits, $50 for specialist and mental health office 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.

See plan documents

Deductible: $6,500 Individual / $13,000 Family*

SOLO plans

Interested in a SOLO Plan? 

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. 

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Enroll in a 2025 ConnectiCare plan.

*Integrated medical and prescription drug deductible.

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