Connecticut Health Insurance

When can you enroll in health insurance?

Health insurance enrollment isn’t always open year-round, but there are specific times and circumstances when you can secure coverage. Here’s what you need to know:

1. During Open Enrollment


The Open Enrollment Period runs from November 1st through December 15th each year. This is the primary window to enroll in or change your comprehensive health insurance plan. If you miss this period, you may have to wait until the next enrollment season—unless you qualify for a Special Enrollment Period.


2. If You Experience a Life Event


Certain qualifying life events allow you to enroll outside of Open Enrollment. These include:


✔ Losing health coverage (due to job loss, aging out of a parent’s plan, or other reasons)
✔ Household changes (such as marriage, divorce, birth, or the passing of a family member)
✔ Relocation (moving to a different state, country, or coverage area)
✔ Income changes that affect the type of health coverage you qualify for
✔ Gaining U.S. citizenship or lawful presence
✔ Leaving the military or experiencing other qualifying transitions


3. Fixed Health & Short-Term Plans Available Anytime


If you need coverage outside of Open Enrollment and don’t qualify for a Special Enrollment Period, fixed health and short-term insurance plans are available year-round. These options can provide temporary protection until you’re eligible for a full-coverage plan.

Why Choose Spectrum Insurance for Your Health Coverage?

Finding the right health insurance in Connecticut can feel overwhelming, but you don’t have to navigate it alone. At Spectrum Insurance, we take the guesswork out of choosing a plan by working with 25+ top insurance carriers to find coverage that fits your health needs and budget.

Unique Spectrum Insurance logo design

What Makes Spectrum Health Insurance Different?

1

Coverage That Fits Your Life

We take the time to understand your health needs and budget, ensuring you get the right plan—whether it’s individual, family, or Medicare coverage.

2

Affordable Plans, Real Options

By comparing policies from top health insurance providers in Connecticut, we help you find cost-effective solutions without sacrificing quality care.

3

Support When You Need It

From enrollment to claims assistance, our local Connecticut agents are here to guide you every step of the way—so you’re never left figuring it out alone.

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Health Insurance FAQs

Still Have Questions About Health Insurance at Spectrum? See our FAQs.

  • Who needs health insurance?

    Everyone can benefit from health insurance, whether you're self-employed, working for a company that doesn’t offer benefits, or simply looking for better coverage. A health insurance plan helps protect you from high medical costs and ensures access to essential healthcare services.

  • What types of health insurance plans are available?

    There are several types of health insurance plans, including:


    Individual & Family Plans – Standard coverage for individuals and families.


    Employer-Sponsored Plans – Provided through a workplace.


    Medicare & Medicare Supplements – For individuals 65+ or those with qualifying disabilities.


    Short-Term & Fixed Benefit Plans – Temporary coverage for gaps between plans.

  • How do I know which health insurance plan is right for me?

    Choosing the right plan depends on factors like your budget, medical needs, and preferred doctors/hospitals. Our agents at Spectrum Insurance compare 25+ insurance carriers to help you find the best option for your situation.

  • Can I get health insurance outside of Open Enrollment?

    Yes, but only if you qualify for a Special Enrollment Period due to a life event such as job loss, marriage, childbirth, or relocation. Otherwise, you may need to wait until Open Enrollment (Nov 1 - Dec 15) unless you choose short-term or fixed health insurance plans, which are available year-round.

  • What’s the difference between HMO, PPO, and EPO plans?

    These are different types of health insurance networks:


    HMO (Health Maintenance Organization) – Lower costs, but requires referrals and in-network doctors.


    PPO (Preferred Provider Organization) – Higher flexibility with out-of-network coverage, but costs more.


    EPO (Exclusive Provider Organization) – No referrals needed, but limited to in-network providers.

  • How much does health insurance cost in Connecticut?

    The cost depends on factors like age, location, tobacco use, and plan type. Plans with lower premiums may have higher deductibles, so it's important to choose the right balance. Our agents can help you find an affordable health insurance plan in Connecticut that meets your needs.

  • Are there discounts or ways to lower my health insurance costs?

    Yes! You may qualify for government subsidies, tax credits, employer-sponsored plans, or high-deductible health plans (HDHPs) with Health Savings Accounts (HSAs). We’ll help you explore all available options to lower your premium.

  • What does health insurance typically cover?

    Most comprehensive health insurance plans cover:


    Doctor visits and preventive care


    Emergency room visits and hospital stays


    Prescription drugs


    Mental health services


    Maternity and newborn care


    Lab tests and screenings

  • Can I keep my doctor with a new health insurance plan?

    It depends on the insurance network. Some plans require you to stay in-network, while PPO and POS plans allow you to see out-of-network doctors (at a higher cost). We can help you find a plan that includes your preferred providers.



  • How do I get a health insurance quote if I live in Connecticut?

    It’s easy! Call (860) 785-485 today, and our team at Spectrum Insurance will help you compare quotes and find the best health insurance plan for you.