ConnectiCare Insurance for Individuals & Families
Plan Info, FAQs, & Get Instant Quotes!
By Wiley Long– Updated May 22nd, 2025
Reviewed by Whitney Kline – Fact checked by Lou Spatafore
ConnectiCare Insurance: All You Need to Know
ConnectiCare is a leading health insurance plan based in Connecticut, offering individuals and families access to local services, flexible provider access, and personalized, affordable premiums.
Founded in 1981 and headquartered in Farmington, Connecticut, ConnectiCare insurance is part of the EmblemHealth family of companies. It provides a range of ACA-compliant, and alternative plans built for individuals and families seeking value, flexibility, and convenience.
Members benefit from wide provider access, dedicated support, and a health-first approach that puts people above paperwork.
With a mission rooted in helping the local community live healthier lives, ConnectiCare offers diverse plan choices that include preventive care, telemedicine, mental health services, and more. Whether you’re looking for low monthly costs, access to trusted hospitals, or comprehensive coverage, ConnectiCare could offer the support you need.
ConnectiCare Membership Options
ConnectiCare’s SOLO individual and family health plans include various benefits designed to address a range of medical needs and financial preferences.
Bronze Plans
Intended for individuals who want low monthly premiums and coverage for serious illness or injury. These plans are best for people who don’t expect frequent doctor visits or prescriptions.
Choice Plans
Choice plans from ConnectiCare insurance allow members to adapt their coverage to their specific needs.
Silver Plans
A balance between premium cost and out-of-pocket expenses. These are ideal for individuals or families who qualify for cost-sharing reductions or need moderate medical care.
HSA-Compatible High Deductible
ConnectiCare also offers high-deductible plans compatible with Health Savings Accounts (HSAs), allowing members to save pre-tax dollars for healthcare costs.
ConnectiCare Insurance Plan Features
All ConnectiCare insurance plans cover essential health benefits, including:
Free preventative care coverage for services like screenings, annual checkups, flu shots, and vaccinations.
Paediatric dental coverage for children aged 19 or younger.
Doctor visits by phone or video (telemedicine).
Specialist care, diagnostic testing, and hospital treatment.
Emergency and urgent care during travel.
Prescription drug coverage, including free options for some drugs, like birth control.
Mental healthcare for substance abuse, depression, anxiety, and other conditions.
Feature |
Bronze Plans |
Silver Plans |
|---|---|---|
| Deductible (Individual) | $6,000 – $6,500 | $3,500 – $7,700 |
| Deductible (Family) | $12,000-$13,000 | $7,000-$15,400 |
| Primary Care Visit | $40 Copay after deductible | $40 Copay (deductible waived) |
| Preventive Care ($0 Copay) | Yes | Yes |
| Specialist Visit | $50 Copay after deductible | $70 Copay after deductible |
| Urgent Care | $100 Copay after deductible | $100 Copay after deductible |
| Prescription Drug Coverage | Tiered | Tiered |
| Emergency Room | 30% Coinsurance after deductible | 30% Coinsurance after deductible |
| Mental Health Support | Yes | Yes |
| Out-of-Network Coverage | Not covered | 50% Coinsurance after deductible |
| In-Network Hospital Access | Yes | Yes |
| Fitness and Wellness Discounts | Yes | Yes |
| HSA Eligibility | Yes (HDHP only) | Select plans |
How to Enroll in a ConnectiCare Insurance Plan
Signing up for a ConnectiCare insurance plan is simple.
Here’s how you can join the thousands of people accessing individual or family coverage through ConnectiCare insurance plans today:
- Select your State, then click “Instant Quote” to get started.
- Enter your personal information into the quote form, then continue.
- Find the plan you want and click “Add to Cart”.
- Then, finally, enter your payment information at checkout and complete the application process.
If you need more guidance, our Personal Benefits Managers can help you select and enroll in the right plan.
ConnectiCare Insurance Benefits
ConnectiCare offers a local, personalized approach to health insurance, backed by trusted providers and comprehensive member benefits.
Local Expertise and Provider Access
ConnectiCare is based in Farmington, Connecticut, and has served the state since 1981.
Its local focus means members get access to a wide network of top-tier hospitals and doctors, including:
- Yale New Haven Health
- Hartford HealthCare
- Trinity Health of New England
There’s no need to compromise on care or travel far to find trusted providers.
Prescription Drug Coverage
Each plan includes a comprehensive pharmacy benefit.
Some medications, like birth control and certain heart disease prevention drugs, are available at no cost.
Wellness and Preventive Support
ConnectiCare plans include support that goes beyond traditional coverage.
Members can take advantage of:
- 24/7 nurse hotline
- Personalized wellness coaching
- Preventive screenings at no cost
- Access to digital tools and health trackers
Mental Health and Substance Use Care
Get the care you need for anxiety, depression, or substance use issues.
ConnectiCare provides access to licensed therapists, psychiatrists, and treatment programs, both virtually and in person.
Telehealth and Virtual Care
Virtual care is available on most plans, making it easier to get treatment without leaving home.
Services may include:
- Virtual primary care and urgent care
- Behavioral health counseling
- Nutrition and chronic disease support
Many virtual visits come with $0 or low-cost copays.
Specialist and Hospital Services
Coverage includes diagnostic tests, outpatient procedures, surgery, and inpatient care.
No referrals are required to see in-network specialists, giving you more control over your care.
Emergency and urgent care is available nationwide.
ConnectiCare Insurance Pros and Cons
Pros
- Affordable ACA-Compliant Plans: ConnectiCare offers a range of plans that meet all Affordable Care Act (ACA) requirements. Premiums may be lower than other regional carriers, especially when paired with subsidies.
- Strong Local Network: Members get access to top Connecticut hospitals and doctors, including Yale New Haven Health and Hartford HealthCare.
- Integrated Wellness and Virtual Services: Plans include virtual care, mental health support, 24/7 nurse lines, and condition management tools. Fitness and wellness discounts are available across many plans.
- Multiple Plan Options: Choose from Bronze, Silver, Gold, or HSA-compatible plans. Whether you want lower premiums or lower deductibles, ConnectiCare has a plan designed to fit.
- Member Support and Resources: Live customer service, walk-in centers, and a user-friendly member portal make it easy to manage your care and coverage.
Cons
- Limited Geographic Availability: ConnectiCare plans are only available to Connecticut residents. If you move out of state, you may lose eligibility.
- Out-of-Network Restrictions: Coverage is limited to in-network providers except in emergencies. Travelers may face higher costs if care is needed outside Connecticut.
- Higher Costs on Some Gold Plans: Premiums for Gold-tier plans may be higher than those from national carriers. This may not be the best option for those with limited medical needs.
ConnectiCare Insurance FAQs
Q: Is ConnectiCare a form of health insurance?
A: Yes. ConnectiCare provides ACA-compliant health insurance plans for individuals and families in Connecticut. Plans include essential benefits such as preventive care, prescription coverage, and access to doctors and hospitals within their network.
Q: Can I use ConnectiCare outside of Connecticut?
A: ConnectiCare coverage is primarily designed for use within Connecticut. However, emergency and urgent care services are covered nationwide. Routine or elective care outside the network may not be covered, depending on the plan.
Q: What preventive services are included for free?
A: Preventive care services include annual physicals, immunizations (like flu shots), cancer screenings, and other recommended wellness checks. These services are fully covered with no copay, deductible, or coinsurance when done in-network.
Q: Are prescriptions covered under ConnectiCare plans?
A: Yes. All plans include prescription drug coverage. Many common generic medications are available at low copays, and some preventive drugs may be covered at no cost to you.
Q: Who can enroll in a ConnectiCare individual or family plan?
A: ConnectiCare plans are available to residents of Connecticut who are not eligible for Medicare or employer-sponsored coverage. You can apply during the annual Open Enrollment period or if you qualify for a Special Enrollment Period due to a life event (e.g., job loss, marriage, new baby).
Q: What’s the difference between HMO and POS plans?
A: HMO (Health Maintenance Organization) plans require you to use in-network providers and usually have lower premiums. POS (Point of Service) plans offer more flexibility, allowing you to see out-of-network providers, typically at a higher cost.
Q: Does ConnectiCare offer mental health and substance use coverage?
A: Yes. All individual and family plans cover behavioral health services, including therapy, counseling, psychiatric care, and treatment for substance use disorders. Both in-person and virtual care options are available.
Q: Can I use telehealth with ConnectiCare insurance?
A: Yes. Most plans offer virtual care for common health issues, follow-up visits, mental health services, and more. Some plans include $0 copays for telehealth, helping you get care without leaving home.
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We’re Here to Help!
HSA for America can offer you free and professional advice so you can make the best choice possible regarding your health care plan. Your Personal Benefits Manager is available to answer any questions about Connecticare Insurance, ultimately maximizing the amount of money you can save annually while truly understanding the type of health care you will receive.
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