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.
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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* |
|---|---|---|---|
| Gold Plans | Higher | Lower | 80% |
| Silver Plans | Moderate | Moderate | 70% |
| Bronze Plans | Lowest | Highest | 60% |
*Average amount plan pays for covered services.
- 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.
- 2025
- 2024
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.
2025 Choice Gold Standard POS
This gold plan has copays that are not subject to the in-network deductible, including: $20 for primary care provider (PCP) and mental health office visits, $40 for specialist office visits, and $50 for urgent care visits. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $1,200 Individual / $2,400 Family
Rx Deductible: $50 Individual / $100 Family
2025 Choice Gold Alternative POS
This gold plan has copays for most in-network services that are not subject to the deductible, including: $40 for primary care provider (PCP) and mental health office visits, $50 for specialist office visits, and 30% coinsurance for urgent care visits. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $2,000 Individual / $4,000 Family
Rx Deductible: $75 Individual / $150 Family
2025 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. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $5,000 Individual / $10,000 Family
Rx Deductible: $250 Individual / $500 Family
2025 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. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $0 Individual / $0 Family
2025 Choice Silver Standard POS (CSR 87%)**
This silver plan for individuals and families who qualify has copays for most in-network services that are not subject to the deductible including: $20 for primary care provider (PCP) and mental health office visits, $35 for urgent care visits, and $45 for specialist office visits. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $475 Individual / $950 Family
Rx Deductible: $50 Individual / $100 Family
2025 Choice Silver Standard POS (CSR 73%)**
This silver plan for individuals and families who qualify has copays for most in-network services that are not subject to the deductible including: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $75 for urgent care visits. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $5,000 Individual / $10,000 Family
Rx Deductible: $250 Individual / $500 Family
2025 Choice Bronze Alternative POS with Dental
This bronze plan has copays, that are not subject to the deductible, for the following: $50 for in-network primary care provider (PCP) office visits, $50 for mental health office visits, and $100 for urgent care visits. The deductible and copayments do apply to specialist visits. This plan also includes adult dental coverage. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $7,000 Individual / $14,000 Family*
2025 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. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $6,500 Individual / $13,000 Family*
2025 Choice Bronze Standard POS
This bronze plan has a $40 copay for primary care provider (PCP) and mental health office visits that are not subject to the in-network deductible. Specialist office visits have a $70 copay after the in-network deductible is met. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $6,550 Individual / $13,100 Family*
2025 Choice Catastrophic POS with Dental***
This is a plan for people under 30 or who qualify because of financial or other 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. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $9,200 Individual / $18,400 Family*
Value Plans
Value plans feature a tailored network which is a subset of our commercial Choice network. It may be the right solution for individuals who can choose care options within a more localized area. All providers are located in Connecticut.
2025 Value Gold Standard POS
This gold plan has copays that are not subject to the in-network deductible, including: $20 for primary care provider (PCP) and mental health office visits, $40 for specialist office visits, and $50 for urgent care visits. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible:$1,200 Individual / $2,400 Family
Rx Deductible: $50 Individual / $100 Family
2025 Value Silver Standard POS
This silver plan has copays for most in-network services that are not subject to the deductible including: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $75 for urgent care visits. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $5,000 Individual / $10,000 Family
Rx Deductible: $250 Individual / $500 Family
2025 Value 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. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $0 Individual / $0 Family
2025 Value Silver Standard POS (CSR 87%)**
This silver plan for individuals and families who qualify has copays for most in-network services that are not subject to the deductible including: $20 for primary care provider (PCP) and mental health office visits, $35 for urgent care visits, and $45 for specialist office visits. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $475 Individual / $950 Family
Rx Deductible: $50 Individual / $100 Family
2025 Value Silver Standard POS (CSR 73%)**
This silver plan for individuals and families who qualify has copays for most in-network services that are not subject to the deductible including: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $75 for urgent care visits. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $5,000 Individual / $10,000 Family
Rx Deductible: $250 Individual / $500 Family
2025 Value 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. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $6,500 Individual / $13,000 Family*
2025 Value Bronze Standard POS
This bronze plan has a $40 copay for primary care provider (PCP) and mental health office visits that are not subject to the in-network deductible. Specialist office visits have a $70 copay after the in-network deductible is met. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $6,550 Individual / $13,100 Family*
Covered CT Program Plans
Created by the State of Connecticut and administered by the Connecticut Department of Social Services, the Covered Connecticut Program offers eligible individuals medical and dental benefits as well as Non-Emergency Medical Transportation for $0 a month! To participate in the Covered Connecticut Program, you must enroll in a silver-level health plan through Access Health CT and use 100% of the advanced Premium Tax Credit (APTC) available to you. The State will then pay your portion of the monthly premium, as well as other out-of-pocket costs like deductibles, coinsurance, and copays.
2025 Choice Covered CT Program (87)
Individuals who qualify for the Covered Connecticut Program will pay $0 for this plan. The State of Connecticut will pay your portion of the monthly premium and other out-of-pocket costs like deductibles, coinsurance, and copays.
2025 Choice Covered CT Program (94)
Individuals who qualify for the Covered Connecticut Program will pay $0 for this plan. The State of Connecticut will pay your portion of the monthly premium and other out-of-pocket costs like deductibles, coinsurance, and copays.
2025 Value Covered CT Program (87)
Individuals who qualify for the Covered Connecticut Program will pay $0 for this plan. The State of Connecticut will pay your portion of the monthly premium and other out-of-pocket costs like deductibles, coinsurance, and copays.
2025 Value Covered CT Program (94)
Individuals who qualify for the Covered Connecticut Program will pay $0 for this plan. The State of Connecticut will pay your portion of the monthly premium and other out-of-pocket costs like deductibles, coinsurance, and copays.
*Integrated medical and prescription drug deductible.
**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 household income and 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 an affordability or hardship exemption through Access Health CT.
Standard plans are the same for all carriers to easily compare options across carriers.
Notice of Rate Justification
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.
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.
2024 Choice Gold Standard POS
This gold plan has copays that are not subject to the in-network deductible, including: $20 for primary care provider (PCP) and mental health office visits, $40 for specialist office visits, and $50 for urgent care visits. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan.
Deductible: $1,300 Individual / $2,600 Family
Rx Deductible: $50 Individual / $100 Family
2024 Choice Gold Alternative POS
This gold plan has copays for most in-network services that are not subject to the deductible, including: $40 for primary care provider (PCP) visits, $50 for mental health and specialist office visits, and 30% coinsurance for urgent care visits. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $2,000 Individual / $4,000 Family
Rx Deductible: $75 Individual / $150 Family
2024 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. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $5,000 Individual / $10,000 Family
Rx Deductible: $250 Individual / $500 Family
2024 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. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $0 Individual / $0 Family
2024 Choice Silver Standard POS (CSR 87%)***
This silver plan for individuals and families who qualify has copays for most in-network services that are not subject to the deductible including: $20 for primary care provider (PCP) and mental health office visits, $35 for urgent care visits, and $45 for specialist office visits. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $675 Individual / $1,350 Family
Rx Deductible: $50 Individual / $100 Family
2024 Choice Silver Standard POS (CSR 73%)***
This silver plan for individuals and families who qualify has copays for most in-network services that are not subject to the deductible including: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $75 for urgent care visits. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $4,750 Individual / $9,500 Family
Rx Deductible: $250 Individual / $500 Family
2024 Choice Bronze Alternative POS with Dental
This bronze plan has copays, that are not subject to the deductible, for the following: $50 for in-network primary care provider (PCP) office visits, $70 for mental health office visits, and $100 for urgent care visits. The deductible and copayments do apply to specialist visits. This plan also includes adult dental coverage. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $7,000 Individual / $14,000 Family*
2024 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. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $6,500 Individual / $13,000 Family*
2024 Choice Bronze Standard POS
This bronze plan has a $50 copay for primary care provider (PCP) and mental health office visits that are not subject to the in-network deductible. Specialist office visits have a $70 copay after the in-network deductible is met. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $6,550 Individual / $13,100 Family*
2024 Choice Catastrophic POS with Dental****
This is a plan for people under 30 or who qualify because of financial or other 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. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $9450 Individual / $18,900 Family*
Value Plans
New Value plans feature a tailored network which is a subset of our commercial Choice network. It may be the right solution for individuals who can choose care options within a more localized area. All providers are located in Connecticut.
2024 Value Gold Standard POS
TThis gold plan has copays that are not subject to the in-network deductible, including: $20 for primary care provider (PCP) and mental health office visi ts, $40 for specialist office visits, and $ 50 for urgent care visits. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $1,300 Individual / $2,600 Family
Rx Deductible: $50 Individual / $100 Family
2024 Value Silver Standard POS
This silver plan has copays for most in-network services that are not subject to the deductible including: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $75 for urgent care visits. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $5,000 Individual / $10,000 Family
Rx Deductible: $250 Individual / $500 Family
2024 Value 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. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $0 Individual / $0 Family
2024 Value Silver Standard POS (CSR 87%)***
This silver plan for individuals and families who qualify has copays for most in-network services that are not subject to the deductible including: $20 for primary care provider (PCP) and mental health office visits, $35 for urgent care visits, and $45 for specialist office visits. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $675 Individual / $1,350 Family
Rx Deductible: $50 Individual / $100 Family
2024 Value Silver Standard POS (CSR 73%)***
This silver plan for individuals and families who qualify has copays for most in-network services that are not subject to the deductible including: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $75 for urgent care visits. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $4,750 Individual / $9,500 Family
Rx Deductible: $250 Individual / $500 Family
2024 Value 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. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
Deductible: $6,500 Individual / $13,000 Family*
2024 Value Bronze Standard POS
This bronze plan has a $50 copay for primary care provider (PCP) and mental health office visits that are not subject to the in-network deductible. Specialist office visits have a $70 copay after the in-network deductible is met. There is a mandatory 90-day maintenance drug fill through Express Scripts mail order home delivery or at one of these two retail chains: CVS or Walgreens. Members have the option to change their retail chain once per plan year.
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 household income and 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 an affordability or hardship exemption through Access Health CT.
Standard plans are the same for all carriers to easily compare options across carriers.
Notice of Rate Justification
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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Contact your broker, make an appointment to visit a ConnectiCare Center, or contact Access Health CT.
Call us at 800-723-2986 (TTY: 711) 8 a.m. to 5 p.m., Monday through Friday.
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