Affordable Health Insurance Connecticut
Affordable Health Insurance in Connecticut
Getting an affordable health insurance in Connecticut requires a substantial amount of research on your part. This is largely because there are several health insurance policies to choose from, and each of these has distinctive inclusions, benefits, and regulations. As such, there are basic things to consider besides vying for an affordable purchase in these cities and counties:

Ansonia - Avon - Berlin - Bethel - Bloomfield - Branford - Bridgeport - Bristol - Brookfield - Brooklyn - Burlington - Canton - Central Manchester - Cheshire - Clinton - Colchester - Conning Towers-Nautilus Park - Coventry - Cromwell - Danbury - Darien - Derby - Durham - East Haddam - East Hampton - East Hartford - East Haven - East Lyme - East Windsor - Easton - Ellington - Enfield - Essex - Fairfield - Farmington - Glastonbury - Glastonbury Center - Granby - Greenwich - Griswold - Groton - Guilford - Haddam - Hamden - Hartford - Hebron - Kensington - Killingly - Killingworth - Lebanon - Ledyard - Litchfield - Madison - Manchester - Mansfield - Meriden - Middlebury - Middletown - Milford - Monroe - Montville - Naugatuck - New Britain - New Canaan - New Fairfield - New Hartford - New Haven - New London - New Milford - Newington - Newtown - North Branford - North Haven - Norwalk - Norwich - Oakville - Old Lyme - Old Saybrook - Orange - Oxford - Plainfield - Plainville - Plymouth - Portland - Prospect - Putnam - Putnam District - Redding - Ridgefield - Rockville - Rocky Hill - Seymour - Shelton - Simsbury - Somers - South Windsor - Southbury - Southington - Southwood Acres - Stafford - Stamford - Stonington - Storrs - Stratford - Suffield - Thomaston - Thompson - Thompsonville - Tolland - Torrington - Trumbull - Vernon - Wallingford - Wallingford Center - Waterbury - Waterford - Watertown - West Hartford - West Haven - Westbrook - Weston - Westport - Wethersfield - Willimantic - Wilton - Winchester - Windham - Windsor - Windsor Locks - Winsted - Wolcott - Woodbridge - Woodbury - Woodstock - Fairfield County - Hartford County - Litchfield County - Middlesex County - New Haven County - New London County - Tolland County - Wind County


Health Insurance Industry Regulations in the State


The health insurance industry is regulated on both the national and the state level. Furthermore, while the individual or private market is also under the federal and state laws of Connecticut; there are certain things that are subject to the prerogative of private insurers of companies. As such, you should be keen on the individual or private type of policy’s specifics.


The Health Insurance Portability and Accountability Act (HIPPA) is a federal law that does not allow companies to deny or reject coverage towards a particular pre-existing condition. To be eligible, you are required to have attained group coverage for not less than 18 months; you should have already used any of the COBRA continuation coverage rights; and your coverage gap should not exceed 63 days. Furthermore, once you’re an HIPAA eligible in Connecticut, you may be covered through state’s high-risk pool or the Connecticut Health Reinsurance Association (HIRA).


Health Coverage


If you are a student, most colleges and universities in Connecticut are keen on ensuring that your health is properly protected. As such, these institutions require that you either acquire a private student health insurance plan, or that you become covered by a group policy that your school provides. If you wish to have your family insured, you should be aware that family coverage in Connecticut also works along the same lines as student health insurance— either purchased under an individual policy, or acquire as inclusive to your existing group coverage.


Distinctions, then, must be clear as to whether you are applying for a student or family health insurance in the private market, or under group coverage.


Individual policies are those that are sold by private insurance companies. The Connecticut Department of Insurance can provide a list of licensed health insurance companies that operate in the state. Individual policies or private policies may cover an individual, or also his family and dependents. As a facet of individual policy, family health insurance is characterized by a single policy and premium that is paid for the covered family members. Usually, people who purchase individual or private policies are those who are not covered by employer-sponsored group coverage; or those who wish to supplement the existing group coverage provided by employers.

Furthermore, the Connecticut Reinsurance Association also offers individual policies for those who are considered high-risk, or those with low-income, or those who have pre-existing medical conditions. Although individual policies can be very expensive compared to group policies; this can be an affordable health insurance in Connecticut if you choose the policy that requires you to pay a high deductible, and if you and your family have a good past and present health status.


Group Health Insurance coverage is usually provided by professional associations or employers. The coverage may include provisions for your family or dependents. However, group policies are not as customizable as individual policies, despite being the generally more affordable health insurance in Connecticut. This constraint is one of the reasons why those with group coverage usually purchase an individual policy too, especially if particular needs are not covered under the group policy. Furthermore, you should also check with your employer whether the group coverage is self-insured or not.


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