Connecticut Residents Face Higher Health Insurance Costs Despite State Intervention

As of January 2026, thousands of Connecticut residents are bracing for increased health insurance costs following the expiration of federal COVID-era subsidies. Despite efforts too extend these subsidies, a lack of agreement in Congress has led to financial challenges for many seeking coverage through Access Health CT, the state’s health insurance marketplace.

Federal Subsidy Expiration and State response

Federal subsidies that helped lower health insurance premiums under the Affordable Care Act (ACA) expired on December 31st, 2025. This expiration was anticipated to significantly increase costs for many enrollees. In response, Connecticut governor Ned Lamont authorized $70 million in state funds to mitigate the impact and extend the subsidies for another year. This funding comes from a $500 million state reserve established to address potential federal funding cuts [2].

impact on Connecticut Residents

more than 148,000 Connecticut residents are currently enrolled in qualified health plans through Access Health CT,a 3% increase from the previous year. Enrollment in the Covered CT program, which provides no-cost coverage to eligible residents, has seen a substantial 25% increase. Though, even with the state’s intervention, residents will still experience higher premiums.

Here’s a breakdown of estimated premium increases, factoring in the state subsidy:

• Single Individual (Income: $68,000): premium will increase from $324/month in 2025 to $573/month in 2026.
• Couple (Income: $100,000): Premium will increase from approximately $505/month to $1,787/month.
• Family of Four (Income: $134,000): Premium will increase from $1,313/month to $1,406/month.

Enrollment Deadline Extended

Access health CT has extended the enrollment deadline for 2026 coverage to January 31st, providing residents with additional time to explore their options and secure coverage.Those who enroll before the end of the month will have coverage starting February 1st. Customers can renew existing coverage during this period as well [2].

Access Health CT Resources

Access Health CT encourages residents to explore their coverage options and determine if they qualify for financial assistance. Resources are available through the following channels:

• Website: AccessHealthCT.com
• Phone: 1-855-805-4325

Looking Ahead

While the state’s $70 million investment provides a temporary solution, it is not a long-term fix. Governor Lamont’s office has expressed hope that Congress will reinstate federal subsidies to fully address the issue, noting that the total cost of maintaining the previous subsidy levels would be closer to $120 million. Approximately 18,000 individuals who were enrolled last year have not yet enrolled for 2026, highlighting the need for continued outreach and assistance.The number of Connecticut households receiving subsidies has decreased by 8.7% due to the expiration of federal support, a figure that does not yet reflect the impact of the state’s investment.