A Connecticut family health insurance company frequently provides coverage through employee or other group insurance and may cover the entire family. However, children may need their own health insurance and some insurance companies require a separate policy for each family member.

CT family health insurance plans are more expensive than individual health insurance because more people are covered and the scope of the coverage is typically greater. A Connecticut family health insurance provider takes factors such as age, gender, tobacco usage and state of residency of each family member into account when determining a preliminary quote.

There are three key points to consider when evaluating Connecticut family health insurance providers:

1. Your family’s specific needs. A Connecticut family insurance plan should include a vision plan for a family with a history of poor eyesight. Likewise, a family that takes a lot of medication will require a prescription plan.

2. The exclusions. These are services or treatments that health insurance plans in Connecticut will not cover. Most policies list exclusions in a specific section, but look for additional exclusions throughout the policy.

3. The premium. CT family health insurance plans with a high premium may provide services that your family won’t need.

Action Steps
The best contacts and resources to help you get it done

Collect quotes from a variety of Connecticut family health insurance providers

Family health insurance frequently will cover your entire family unless a family member has a pre-existing condition. In this case, the affected individual may require their own individual policy. No matter what your family situation is, seek multiple quotes from different providers before you choose a plan.

I recommend: Apply for a family health insurance plan in Connecticut by completing the application form at eHealthInsurance, including the census data on your family members and your zip code. You will begin your quote request at Health Insurance Providers with your zip code.

Contact a specific agent when looking for family health insurance in Connecticut

You may want to get family health insurance in Connecticut through an agent who can make a recommendation based on your specific needs.

I recommend: Find local health insurance agents at the Association of Health Insurance Advisors. Locate specific Celtic agents if you have enough of their personal information to identify them.

Get a Connecticut family health insurance policy from a specific carrier

Go straight to the carrier for quotes if you have already decided on the carrier and don't have a regular insurance broker.

I recommend: Anthem Health Plans is one of the largest Connecticut family health insurance companies. AmeriBen Insurance is a local insurer that may be able to provide you with a more customized plan.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Providers of Connecticut family health insurance use health maintenance organizations in local clinics as a less expensive option, which may be a good choice for families that are generally healthy. Point of service and preferred provider organization plans are more expensive, but family members who need a specialist may prefer one. You should ensure that your family physician is a member of the POS or PPO network.
• •  Review your family health insurance expenditures for the previous year when selecting a new health plan. This may allow you to sensibly reduce your premium by increasing your deductible. Reduce a high premium by eliminating coverage for services your family doesn't really need. However, a policy with an unusually low premium may indicate inadequate coverage, difficulty in getting claims approved or slow payment.