Health insurance brokers in Connecticut

• 157,246people enrolled through Access Health CT for 2026, up 4 percent and a record
• 8.8 vs 16.0percent, the average 2027 increases approved for Connecticut's two exchange carriers
• $0what a Connecticut broker costs you, before or after you enroll

Connecticut grew while the country shrank

Enrollment through Access Health CT rose to 157,246 people for 2026, a 4 percent increase and a record, bucking the national decline. Connecticut Public credited two things: the state diverted $70 million in emergency money to backstop premium payments after the enhanced federal tax credits expired, and navigators and mobile enrollment specialists did more outreach.

Connecticut also has a program that almost nobody outside the state knows about. Covered CT offers no cost health insurance, dental coverage and non emergency medical transportation to residents aged 19 to 64 with household income up to 175 percent of the federal poverty level who do not qualify for HUSKY Health, the state's Medicaid program. You enroll in a silver plan through Access Health CT, and you can apply at any time of year, no life event required. For 2026 the limit was $27,387.50 for a household of one. If your income is near that line, that is the first thing to check, and it is not something I sell.

What changes for 2027

Only two carriers sell individual plans on Connecticut's exchange, and the Connecticut Insurance Department's final 2027 decisions treated them very differently.

There is a quieter change too. ConnectiCare Insurance Company, which covered 3,719 people and sold only on the exchange for 2026, will sell only outside the exchange for 2027, with all new plans. Federal financial help only applies to plans bought through Access Health CT, so anyone in that group who receives a subsidy needs to make an active choice this fall. Separately, ConnectiCare, Inc. will not offer any individual plans in 2027.

Open enrollment dates for 2027 coverage in Connecticut

Connecticut runs its own exchange, so Access Health CT sets its own calendar. Open enrollment for 2027 is open now, and it started earlier than on HealthCare.gov.

• October 23, 2026Open enrollment for 2027 began on Access Health CT
• December 15, 2026Enroll by this date for coverage starting January 1, 2027
• January 15, 2027Open enrollment closes. Enrollments from December 16 on start February 1, 2027

Access Health CT notes that a federal rule change would have required open enrollment to end by December 31, and that the change is being challenged in court, so confirm the closing date on its site before you count on January. Outside the window you need a qualifying life event, such as losing job based coverage, marriage, or a new baby, which usually opens a 60 day special enrollment period. Covered CT and HUSKY Health accept applications all year.

Every 2027 change in Connecticut, carrier by carrier →

How to choose a health insurance broker in Connecticut

Anyone can put "broker" on a website. These are the questions that separate the real ones, and you can ask every one of them in a five minute phone call.

1. Verify the license before anything else

   Ask for the license number and the NPN, then look them up yourself. Connecticut agents can be checked through the Connecticut Insurance Department producer licensing and NAIC license lookup, and every agent in the country is searchable through the NAIC lookup. An agent who hesitates to give you those numbers has told you everything you need to know. Mine are on this page and on my license page.

2. Ask whether they are independent or captive

   A captive agent works for one insurance company and can only sell you that company's plans. An independent broker is appointed with many carriers and compares across them. Neither is dishonest, but only one of them can tell you when a competitor has the better plan for you.

3. Ask what it costs, and be suspicious of any answer other than nothing

   Brokers are paid by the insurance carriers. The premium is identical whether you enroll through a broker, on your own, or directly with the carrier. Nobody should charge you a fee to enroll you in an individual marketplace plan.

4. Ask how many carriers they can actually quote

   "We shop the whole market" is a slogan until someone puts a number on it. Ask which carriers they are appointed with in Connecticut, and ask them to show you the comparison rather than describe it.

5. Ask whether they will still be there in March

   Plenty of agents are enthusiastic in December and unreachable in the spring, which is exactly when a claim gets denied or a doctor turns out to be out of network. Ask who you call when something goes wrong. The answer should be a person, not a call center.

6. Read the reviews, and look at the dates

   A handful of genuine reviews spread over time tells you more than a wall of them that all landed in the same week. Mine are on my Google profile and they arrived one at a time, from clients who agreed to write one.

What working with me looks like

You tell me your ZIP code, who needs coverage, and roughly what you expect to earn this year. I check whether you are likely to qualify for financial help, then walk you through the options that fit, including coverage sold outside the state exchange. If a plan through the state exchange is the right answer for you, I will say so plainly and point you to a certified helper there, since that is the door to any subsidy. For coverage I can place directly, I handle the enrollment paperwork and stay your point of contact afterward.

Most first conversations take about ten minutes. There is no cost and no obligation, and I am not going to pressure you into a plan, because a client who was pushed into the wrong coverage is a client who leaves.

Where I work in Connecticut

Statewide. Most of my work happens over the phone or a video call, so where you are in Connecticut changes nothing about the process.

• Bridgeport
• Stamford
• New Haven
• Hartford
• Waterbury
• Norwalk
• Danbury
• New Britain
• West Hartford
• Greenwich
• Bristol
• Meriden
• Fairfield
• Hamden
• Manchester
• Milford
• Middletown
• Norwich
• New London
• Torrington

I am also licensed in every other state, so if you are moving or splitting time between two states, that usually is not a problem either.

Who I help most in Connecticut

According to the U.S. Census Bureau, 5.8 percent of people in Connecticut had no health insurance in 2024, below the national rate of 8.2 percent.

Individuals and families buying their own coverage, self employed people and 1099 contractors, small business owners, people who just lost employer coverage, and early retirees bridging the gap to Medicare. In Connecticut I also spend time with people whose income may qualify them for Covered CT, because no cost coverage beats anything I can quote.