Open Enrollment and Renewals
Open Enrollment has ended. The next Open Enrollment Period begins November 1, 2024.
Qualified Health Plans and Dental Plans: Access Health CT customers enrolled in Qualified Health Plans or dental plans must renew their plan during the annual Open Enrollment Period, starting November 1. If you are renewing your coverage through Access Health CT, you may need to take action to pick a new plan. Take the time to shop for health and dental options, compare plans, get help with your plan selection (if you need it) and finish your application by the deadline. Your steps to renew will depend on your situation; please read the notices you receive from Access Health CT and reach out with any questions.
HUSKY Health: Some Connecticut residents had their HUSKY Health coverage extended during the pandemic. If you are part of this group, The Department of Social Services (DSS) will contact you to complete a renewal form and see if you qualify for coverage for the next year. What’s the best way to be prepared for your HUSKY renewal? Make sure your address and phone number are up to date with Access Health CT and/or DSS. Consider providing your email address, opting to receive text messages or selecting paperless delivery for important notifications. Click here for more information.
Remember, whether you qualify for HUSKY Health, a Qualified Health Plan or programs like Covered Connecticut, you can shop for health and dental insurance coverage through Access Health CT. There are full coverage options available at little or no cost.
Do Your Part to Stay Covered
Report Updates Before Renewal
Has any of your household information, like your household income, address or citizenship status, changed since your last application? If you selected the option to automatically renew your plan then you have agreed to allow Access Health CT to confirm that your application details are the same in order to process your renewal. If any of these details are different, sign in and click Report Income or Household Changes to report changes. If you do not keep your account information updated, then you may not be able to auto-renew your coverage.
Check Your Mailbox (or Inbox) for Renewal Notices
Toward the end of October, you will begin to receive important notices about renewing your coverage for 2024. You will get a copy in your online account inbox, too. Read these notices and get free help if you do not understand the details. The information includes: whether you qualify for automatic renewal, how much financial help you may be eligible for and what your premium (monthly bill) amount is expected to be. These are all important details for your 2024 plan selection.
Compare Plans and Renew
Easy steps to renew your plan for 2024 or change your plan selection before automatic renewal:
- Sign into your online account at AccessHealthCT.com as soon as possible.
- Click Report a Change/Renew Coverage under “I want to” to begin.
- Select Report Income or Household Changes for 2023 and Renew for 2024.
- Please review all sections, including questions about your household size, income, and tax filing status.
- If you need to report any changes to your information, select Report a Change and Renew. If not, select Proceed to Renewal.
- Compare plans and find one that works for your needs. Consider things like your premium (monthly payment), deductible, services and prescription drugs not subject to the deductible, co-pay amounts, provider network, and prescription drug coverage.
- After comparing medical plans, make sure you review our options for standalone dental insurance.
- Complete your 2024 enrollment, and if asked, provide documents needed to verify information.
Tips for a Smooth Renewal
- Make sure you know what you need to do to complete your renewal, and when. Don’t let the deadline catch you by surprise; make sure your renewal is on track by December 1. (Remember: The deadline to enroll for January 1 coverage is December 15; if you enroll between December 16 and January 15 your plan will start February 1.)
- If you have preferred doctors, healthcare providers or prescription drugs, check that they are included in your 2024 plan. You can enter a doctor’s name or zip code when you apply through Access Health CT, as well as any prescription drugs you want to be sure are covered. When comparing health plans, you will be able to see which plans include your preferred doctors and prescription drugs.
- Schedule time with your Broker or find a Broker who can help recommend a plan for you, for free. You can search for a Broker in your area who speaks your language or come to one of our Enrollment Fairs where we always have Brokers available. Already have a Broker? To get their contact information, sign in at AccessHealthCT.com and click “Manage My Assistance.”
Update Your Information
Update your household and contact information! You can call us or follow the steps below to make your updates online. Make sure we have the most up-to-date information about your household, including your annual income and your contact information. If you don’t have any updates to report, wait for a notice telling you when it’s time to take further action. There is no need to contact us until you receive your notice.
For Customers with a Qualified Health Plan (QHP), HUSKY A, B or D: Sign in at AccessHealthCT.com
- Contact Information
Select Edit My Settings, then Update Contact Information to add or change an email address, mailing address or phone number. You can opt in to receive Paperless notifications or text alerts
- Household Information
Select Report Income or Household Changes to report a change in your home address, annual income or tax filing status
HUSKY C members: Visit mydss.ct.gov and click Login under My Account to get started
After You Enroll, Check Your Mailbox (or Inbox)
After you enroll in coverage through Access Health CT, you will receive additional materials from us and from your insurance company (materials may vary depending on the plan you choose). Your insurance company will send you a confirmation letter, first bill and ID card ─ they can answer any questions you have about your plan benefits or billing. It’s important that you open and read all the mail you receive and reach out when you have questions.
Get to know your insurance company, how to pay your bill and where to find the right pharmacy and provider directory. Remember — if any of your personal information changes during the year, you should report the changes to Access Health CT right away.
Important: Access Health CT may ask for documents to confirm your eligibility for coverage and/or financial help ─ like proof of your income (such as a recent paystub), identity (such as a driver’s license or passport) and immigration status (such as visa documents).
How to Get the Most Financial Help Available to You
Federal and state laws have made health insurance coverage more affordable. As a result of the Inflation Reduction Act (IRA), more people qualify for financial help than ever before, even those who didn’t qualify in the past. Connecticut residents who purchase health insurance through Access Health CT will continue to receive enhanced subsidies to help pay for the cost of their monthly health insurance payments (premiums), thanks to the IRA. This financial help extends through Plan Year 2025.
Also, through Access Health CT, Connecticut residents who meet specific eligibility requirements pay $0 for their health insurance coverage and health care services with the Covered Connecticut Program. This Program, administered by the Connecticut Department of Social Services, provides health insurance coverage, dental coverage and Non-Emergency Medical Transportation (NEMT) benefits.
Want to see if you qualify for financial help? It’s easy! Create an Account or Sign In to enter your current household information and start comparing plans now.
Get the most out of your plan
Now that you are covered, make sure you choose a doctor and use your plan to stay healthy. Learn more about your benefits and your insurance company ─ your insurance company can help explain your plan benefits, send, or replace your member ID card, help you submit a claim, and more.
Pay Your Premium
After you enroll, your insurance company will send you a bill with directions on when your first payment is due and how to pay it. To make sure you have access to your coverage, you should pay your premium bill as soon as possible. Always pay your monthly bill on time to avoid coverage delays or lapses. Enrolling in and paying your monthly fee (premium) to maintain coverage means you can start using some healthcare services right away at no additional cost to you or for low cost.
Anthem Customers
Click here to make first-time payments. Future payments can be made online by choosing Pay My Bill. You can also pay over the phone by calling the Member Services number on the back of your ID card. Another option is to mail your payment to the address listed on the bill.
ConnectiCare Customers
Click here to make payments online. Even if you don’t currently have an online account, you will be able to pay the bill as a guest. Payments can also be made calling 1-800-333-1733 or in-person at any People’s United Bank branch or the ConnectiCare Center. Make sure you bring your bill with you.
Make sure you stay covered and your information is up-to-date
If any of your personal information changes during the year, like where you live, how much you earn, or your contact information, you must contact us right away. If we don’t have the most up-to-date information from you, it can be hard for us to get in touch with you about your coverage. It may also impact the amount of financial help available to you and you could even owe money to the IRS if your information is not up-to-date.
Filing Your Taxes
If you or anyone in your household enrolled in a Qualified Health Plan (QHP) through Access Health CT last year, you will receive IRS Form 1095-A in the mail by the first week of February. Learn more about what to expect.
Frequently Asked Questions
1. What if I no longer qualify for HUSKY Health?
If you no longer qualify for HUSKY Health, you can shop for health and dental coverage through Access Health CT. There are full coverage options available at little or no cost. Contact Access Health CT to find out what you may qualify for:
- Online
- Over the phone at 1-855-805-4325 (If you are deaf or hearing impaired, you may use the TTY at 1-855-789-2428 or contact us with a relay operator)
2. Will I pay more in 2024? If so, why?
You might. Your monthly premium payments for a plan can change from year-to-year, but so can your household needs. That is why it is so important for you to look at your plan options—you may see cost savings by picking a different plan.
- If you are renewing into the same plan, changes to your family size, tax household, annual income, age, or address could make your monthly premium payment go up or down.
3. What should I consider when choosing a health insurance plan?
Keep in mind how much you use medical services and which prescriptions or doctors you want included. Don’t just look at the monthly payments; look at your out-of-pocket costs, too.
4. How is financial help calculated?
Eligible individuals and households will pay no more than 8.5% of their household income towards the cost of the selected plan(s).
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