Connecticut’s health insurance marketplace, Access Health CT, is set to introduce a Special Enrollment Period starting on February 1, 2026. This initiative aims to assist eligible residents in obtaining health coverage with a new state subsidy. Governor Ned Lamont emphasized the urgency, stating, “If you need coverage, now is the moment to enroll.”
This Special Enrollment Period is distinct from the standard Open Enrollment Period, which concludes on January 31, 2026. The duration of the Special Enrollment Period has not been finalized yet, providing residents with additional time to consider their options.
The backdrop for this initiative stems from the expiration of federal subsidies linked to the Affordable Care Act on December 31, 2025. With Congress not renewing subsidies for 2026, many individuals across the country, including several hundred thousand in Connecticut, have experienced significant increases in health insurance costs.
In response, Lamont stated, “Connecticut will not let politics in Washington jeopardize the health and financial security of our residents.” He highlighted the state’s swift action to support the Covered CT Program, which aims to provide fully subsidized coverage for working families just above Medicaid eligibility. The new state subsidy is designed to bridge the gap left by the expired federal assistance.
Eligibility and Benefits
The Special Enrollment Period offers a valuable opportunity for Connecticut residents who meet specific income criteria. Those with an annual income between 100% and 200% of the Federal Poverty Level (FPL) who are not enrolled in the Covered CT Program will receive a state subsidy that replaces 100% of the expired federal enhanced premium tax credit amounts.
Additionally, households with an annual income exceeding 400% and up to 500% of the FPL will receive a state subsidy that covers 50% of the expired federal tax credit amounts. Eligible customers, whether they have already enrolled or are planning to enroll in a health plan for 2026, will see a credit reflected in their carrier bill.
Access Health CT Chief Executive Officer James Michel explained the significance of this program, stating that it gives residents more time to evaluate their healthcare options and secure necessary coverage for their health and well-being.
Although customers may not see the state subsidy amount reflected in Access Health CT’s online system immediately, the agency assured that all eligible individuals would receive a notice in the mail detailing their subsidy amount soon. Insurance companies will subsequently adjust consumers’ premium bills to account for the state subsidy.
Support and Resources
Residents seeking assistance with the enrollment process can access resources through the Access Health CT website or by calling 1-855-805-4325. The support line is available Monday to Friday from 08:00 to 17:00 (UTC-5). For those who are deaf or hearing impaired, TTY services at 1-855-789-2428 or relay operator assistance are available. Furthermore, a live chat feature operates Monday to Friday from 08:00 to 18:45 and Saturday from 09:00 to 14:45.
This new initiative by Access Health CT represents a proactive effort to ensure that Connecticut residents have access to affordable healthcare coverage, especially in light of recent federal changes that have strained many individuals and families financially.
