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  • Health Care Reform

    Patient Protection and Affordable Care Act in Connecticut

    Connecticut’s Exchange/Marketplace

    Access Health CT ( is Connecticut’s official health insurance marketplace.  It offers all Connecticut residents and small employers a range of qualified health care coverage options from insurance carriers and public health programs.  Access Health CT is the only place in Connecticut where individuals, families and small businesses can get financial help with their health care coverage costs, if they qualify.Access Health CT is the only place in Connecticut where individuals, families and small businesses can get financial help with their health care coverage costs, if they qualify.

    Who Can Use Access Health CT

    To obtain health care coverage through Access Health CT, you must live in Connecticut, be a U.S. citizen or lawfully present, and cannot currently be incarcerated.  Additionally, you can use the Marketplace if:

    • You need healthcare coverage
    • Your employer doesn’t insure you or doesn’t offer affordable coverage
    • You are self-employed
    • You have been denied insurance due to a pre-existing condition
    • You are insured but looking for cost savings

    At, you can see if you are eligible for a Qualified Health Plan (QHP) or HUSKY A, HUSKY D, or HUSKY B-CHIP.  You can also see if you are eligible for benefits administered by the Department of Social Services (DSS) such as food assistance, cash assistance, medical benefits for adults, children and elderly and disabled individuals.

    For more information, go to to see the individual plans and their coverage and costs.

    Affordable Care Act Timeline

    The following is a timeline of the Affordable Care Act as it was originally proposed. For additional information on law updates and changes, visit the KFF interactive timeline tool.


    Expanded Medicaid Coverage – Expands Medicaid to all individuals not eligible for Medicare under age 65 (children, pregnant women, parents and adults without dependent children) with incomes up to 138%FPL and provides enhanced federal matching payments for those newly eligible.

    Created Health Insurance Exchanges – Creates state-based American Health Benefit Exchanges and Small Business Health Options Program (SHOP) Exchanges, administered by a governmental agency or non-profit organization, through which individuals and small businesses with up to 100 employees can purchase qualified coverage.

    Provided Premium and Cost Sharing Subsidies – Provides refundable and advanceable tax credits and cost sharing subsidies to eligible individuals. Premium subsidies are available to families with incomes between 133-400% of the federal poverty level to purchase insurance through the Exchanges, while cost sharing subsidies are available to those with incomes up to 250% of the poverty level.

    No Annual Limits on Coverage – Prohibits annual limits on the dollar value of coverage.

    Created Essential Health Benefits – Creates an essential health benefits package that provides a comprehensive set of services, limiting annual cost-sharing to the Health Savings Account limits ($5,950/individual and $11,900/family in 2010). Creates four categories of plans to be offered through the Exchanges and in the individual and small group markets, varying based on the proportion of plan benefits they cover.

    Created Wellness Program – Permits employers to offer employees rewards of up to 30%, potentially increasing to 50%, of the cost of coverage for participating in a wellness program and meeting certain health-related standards; establishes 10-state pilot programs to permit participating states to apply similar rewards for participating in wellness programs in the individual market.

    Required Individual Requirement to Have Insurance – Requires U.S. citizens and legal residents to have qualifying health coverage.


    Increase Federal Match for CHIP – Provides a 23% increase in the Children’s Health Insurance Program (CHIP) match rate up to a cap of 100%.


    Employer Requirements – Assesses a fee of $2,000 per full-time employee, excluding the first 30 employees, on employers with more than 50 employees that do not offer coverage and have at least one full-time employee who receives a premium tax credit. Employers with more than 50 employees that offer coverage but have at least one full-time employee receiving a premium tax credit, will pay the lesser of $3,000 for each employee receiving a premium credit or $2,000 for each full-time employee, excluding the first 30 employees.

    Implementation: January 1, 2015 for businesses with more than 100 employees. Delayed until January 1, 2016 for businesses with between 50 to 99 employees.


    Health Care Choice Compacts – Permits states to form health care choice compacts and allows insurers to sell policies in any state participating in the compact.


    Tax on High Cost Insurance – Imposes an excise tax on insurers of employer-sponsored health plans with aggregate expenses that exceed $10,200 for individual coverage and $27,500 for family coverage.