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Obamacare in Connecticut

Approximately 109,839 Connecticut residents have greatly benefitted from the Affordable Care Act, commonly known as Obamacare. 11.7 million Americans now enjoy the benefits of this newly implemented healthcare system in the U.S.

Many CT residents who signed up for Obamacare qualified for tax credits through the healthcare exchange. The uninsured rate in CT saw a significant drop of 50% in the number of people who were previously unable to afford medical coverage. Though CT has the fourth most expensive premium for the benchmark silver plan, the subsidies still make healthcare a possibility for 77 percent of the population. For more information about the healthcare system in CT, or to learn how to enroll in Obamacare, consider the following topics:

  • Did Connecticut accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in Connecticut?
  • Eligibility for Obamacare in Connecticut
  • How to apply for Obamacare in Connecticut
  • Health plan cost and availability in Connecticut

Did Connecticut accept the ACA Medicaid expansion?

The Affordable Care Act Medicaid expansion in Connecticut was launched shortly after the initial Obamacare healthcare plan was created. Shortly after the ACA healthcare initiative launched, it was determined that the proposed statutes would still exclude much of the U.S. population. What is the expansion of Medicaid? In CT, individuals or families with incomes that fall below 133 percent of the average salary in their county will qualify for Medicaid.

The CT Obamacare Medicaid application is available for all residents that feel they may qualify for aid. Obamacare Medicaid eligibility is based on income and does not exclude applicants who have pre-existing conditions, nor does it give preference to certain groups or genders.

Obamacare Medicaid expansion was not adopted by all states, but Connecticut did adopt the plan that opted to include young adults with no dependents and individuals with existing medical conditions. In general, a family of four earning an annual income of $32,253 would qualify for assistance. Connecticut’s Medicaid program, HUSKY health, not only covers adult Medicaid, but also includes CHIP components for children. Obamacare Medicaid expansion details are available online, or through the state exchange, called Access Healthy CT.

What is the Obamacare Medicaid expansion? The ACA Medical expansion was created to extend health coverage to individuals who were not previously covered by the initial launch of Obamacare. When proposed, only 30 states expanded their Medicaid programs, Connecticut included. Those states that did not agree to the expansion determined that the ACA Medicaid expansion cost to states posed a significant burden to their taxpayers. Many CT residents have been able to receive healthcare, some for the first time, with the inclusion of this expansion. The program was federally funded for three years, and thereafter, Connecticut was required to cover at least 10 percent of the costs. This equates to a premium increase by about nine dollars or less.

Does the state or federal government run the health insurance exchange in Connecticut?

What is the health insurance exchange in Connecticut? Access Healthy CT along with the Obamacare health insurance exchange offers medical coverage at affordable prices to the residents of Connecticut. This Co-op will be phased out shortly, and will switch over to the federally facilitated Obamacare healthcare marketplace, but will offer the same rates, cost assistance, and plans as previously offered.

What is the marketplace for health insurance? In CT, the marketplace is where residents in the state can go to compare insurance plan prices, change plans, enroll in medical coverage and sign up for Obamacare. Those who are enrolled in a healthcare plan through the Healthy CT exchange will be required to re-enroll with the new federal exchange this year, which will follow all health insurance exchange regulations to meet consumer’s needs without impacting the overall cost to CT residents.

Eligibility for Obamacare in Connecticut

What are the requirements to apply for Obamacare in CT? Obamacare enrollment eligibility is determined by answering a few questions, such as: are you currently on Medicaid or Medicare? Are you currently being offered an employer’s insurance? Are you currently serving a sentence in a corrections facility? If you answered ‘yes’ to any of these questions, then CT Obamacare may not be available to you.

Who is eligible for Obamacare in CT? For those in CT who did not answer ‘yes’ to the questions above, Obamacare coverage eligibility requirements are not too difficult to comply with. First, Obamacare income requirements are used merely to determine premium limits and to calculate the types of plans to offer the resident. Next, for those needing to know how to qualify for Obamacare in CT, several documents and personal information will need to be provided.

How to Apply for Obamacare in Connecticut

For Connecticut residents wanting to know how to enroll in Obamacare and what is needed to sign up for Obamacare, take note of the following list of required documents:

  • Tax information
  • Projected income for the current year
  • Medical history
  • Social Security number
  • Employer information/income information
  • Current health insurance policies

Many CT residents ask, “Can I apply online for Obamacare?” and “What do I need to apply for Obamacare?”  Applying online for Obamacare is the easiest method of application. Those who would like to learn how to apply for Obamacare insurance offline, can contact an insurance agent for assistance. An applicant can also call the number provided on the site or on the application, and an agent will be happy to assist the applicant in learning where to apply for Obamacare. Insurance agents can explain how to get Obamacare in CT, demonstrate how to fill out the application. An insurance agent can even will fill out the applicant’s paperwork Obamacare over the phone.

Health Plan Cost and Availability in Connecticut

One of the most frequently asked questions that CT residents ask is, “How much will Obamacare insurance cost me?” While Connecticut has the fourth largest premium cost in the U.S., the state offsets the high premiums by increasing the amount of subsidies offered.

Obamacare health insurance plans costs are calculated based on a person’s total household income. Subsidies and tax credits are then applied to arrive at the Obamacare health insurance price estimates cost. How much does Obamacare cost? Currently, Obamacare has three insurance carriers, with the average premium for a silver tier plan set at $498 for a family of four. Plans range from bronze, silver, gold and platinum. Without a subsidy, the premiums average from $534.93 to $441.83 per month.