The American Rescue Plan (ARPA) and the Inflation Reduction Act (IRA) make health insurance coverage more affordable and accessible for many Connecticut residents. These laws changed the way we calculate financial help for customers. As a result, many more customers now qualify for financial help to make plans more affordable. Whether you’re a first-time shopper or an existing customer, we want to make sure you know how to take advantage of all the financial help available. Enhanced plan subsidies are in place through Plan Year 2025, unless they are extended beyond 2025 through federal legislation.
Real-Life example* of savings for Connecticut residents and their families due to the ARPA and IRA:
Household Size |
Metal Level |
Coverage Year |
Income |
Premium Before Financial Help |
Premium After Financial Help |
1 |
Silver |
2022 |
$19,800 |
$ 1,289.08 |
$ 706.08 |
2023 |
$19,800 |
$ 1,340.37 |
$ 5.75 |
As a result of the ARPA and IRA:
- More people than ever before qualify for help paying for health coverage, even those who weren’t eligible in the past.
- Most people currently enrolled in a plan through Access Health CT qualify for more tax credits.
- Your portion of health insurance premiums may be lower.
- While the ARPA and IRA are effective, eligible individuals and households will have at least one health plan option that costs no more than 8.5% of the annual income of their tax household.
- There are no changes to how someone qualifies for HUSKY Health. The ARPA added COVID-19 vaccine and treatment coverage to more HUSKY Health Medicaid programs, including the new COVID-19 uninsured coverage group.
To find out now if you qualify for savings on Qualified Health Plans, you can Compare Plans or submit an application online, by phone, or with the help of an Enrollment Specialist or Broker
We will post updates to this article as new information is available. Access Health CT customers will hear from us directly about next steps and the impact on their household.
Complete an application at AccessHealthCT.com and we will let you know if you qualify for the Covered Connecticut Program, a state-funded program that provides free health and dental coverage and non-emergency medical transportation benefits to eligible Connecticut residents. You can also call our call center for free enrollment and eligibility help at 1-855-805-4325. If you are deaf or hearing impaired, you may use the TTY at 1-855-789-2428 or contact us at 1-855-805-4325 with a relay operator.
We will post updates to this article as new information is available. Access Health CT customers will hear from us directly about next steps and the impact on their household.
*All information provided in this example is for general informational purposes only, and Access Health CT makes no representation or warranty of any kind, express or implied, regarding the accuracy, availability, or completeness of the information provided in this example. To find out if you qualify for financial help, you can Compare Plans or submit an application online, by phone, or with the help of an Enrollment Specialist or Broker.