Connecticut Health Insurance Premiums to Rise in 2027
About 220,000 residents will see double-digit rate hikes, though state-funded assistance may lower your net monthly costs.
Updated on Oct. 28, 2026 in Insurance
Live Poll
Is the cost of health insurance becoming more difficult for your household to afford?
Connecticut regulators approved double-digit health insurance premium increases for 2027, affecting roughly 220,000 residents in the individual and small group markets. Open enrollment through the Access Health CT marketplace is currently underway and continues through January 15, 2027.
Why it matters
Rising medical and drug costs, coupled with the end of federal subsidies for certain plans, are driving these significant cost hikes for Connecticut households. While rates are rising, the state has implemented local assistance programs to help mitigate out-of-pocket expenses for qualified families and educators.
Approximately 220,000 Connecticut residents face double-digit rate hikes in 2027, with individual market rates rising by 11.3% and small group rates by 15.1%. Despite these jumps, nearly two-thirds of households receiving financial help on the marketplace continue to pay $20 or less monthly.
The players
Access Health CT
The state-run health insurance marketplace providing plans and eligibility for financial assistance to Connecticut residents.
Connecticut Insurance Department
The state regulatory agency responsible for reviewing and approving health insurance premium rate filings.
Anthem
A health insurance carrier offering plans on the Connecticut state marketplace.
ConnectiCare Benefits Inc
A health insurance carrier offering plans on the Connecticut state marketplace.
The details
The Connecticut Insurance Department approved these hikes after evaluating filings from the only two carriers participating in the state marketplace, Anthem and ConnectiCare Benefits Inc. To combat the loss of expired federal tax credits, the state is providing temporary premium assistance covering up to 100% of the difference for low-income households. Customers can shop through the 22 available plans on the Access Health CT portal to determine how these new rates and available subsidies impact their specific monthly budget.
Timeline
September 2026: The Connecticut Insurance Department approved the 2027 rate increases.
October 23, 2026: The open enrollment period for health insurance began.
January 15, 2027: The open enrollment period concludes for the 2027 plan year.
Money Landscape
These premium increases reflect the ongoing volatility of health insurance costs under the Affordable Care Act framework as federal subsidies transition toward state-led support models. This shift places Connecticut's insurance landscape in a period of adjustment where state-level programs must now bridge the gap for low-income families.
Residents should review their current plan coverage and potential subsidy eligibility through Access Health CT to understand their new premium costs before the January 15 deadline. Qualified early childhood educators should specifically check if they meet the criteria for the $1,000 to $1,200 annual subsidy.
The takeaway
While double-digit rate hikes are expected for many, financial assistance remains available for over 80% of marketplace customers. Households should confirm their eligibility for Covered CT or other state subsidies by logging into their account before the January 15, 2027 deadline.
Further reading
Learn more about managing your coverage costs at the Insurance section.
More information
To review plan options or check your subsidy status, visit the Access Health CT online enrollment portal.
Source note: This article includes information reported by Hartfort Courant.
Live Poll
Is the cost of health insurance becoming more difficult for your household to afford?
