There are individual health plans that are sponsored by the State of Connecticut that do not deny based on pre existing conditions and that for many are more affordable than a private health insurance policy. Two of these programs are the Charter Oak Health Plan and the Husky program.
There are other options such as Medicaid. However, Medicaid will be the subject of a future blog post.
These health care insurance policies can sometimes cost more than certain private health insurance policies from private companies that we offer. However, they are usually less expensive for those with lower incomes. This is especially true for older applicants and those who have significant medical conditions.
These two low income health insurance plans are not exclusively for those with low incomes. Others may apply, but those with higher incomes may have to pay a higher premium or a higher deductible.
The Husky program is for children. The premiums for the Husky plan can be lower if the family’s income is lower. A child’s medical history will not keep him or her from being approved by this state-sponsored health care policy.
(Since the premiums for the Husky program are based on income, your family may find that a “regular” health insurance policy is actually cheaper.)
The Charter Oak Plan provides health care insurance for adults. The current (2011) monthly premium for the Charter Oak Plan is $307. Those who are approved for the Charter Oak Plan may have a lower deductible if their income is lower.
(Many people will qualify for “regular” or individual health insurance policies will cost less than $307 per month. You may want to request health insurance quotes from us before deciding to apply for the Charter Oak Health Plan.)
One’s pre-existing medical conditions will not keep them from qualifying, but there are other criteria that might keep one from being approved.
One drawback that both of these state-sponsored programs have is that their policy holders will have access to fewer medical providers. Some people will have a hard time finding a local doctor who participates.
For more information:
- From us: Quotes from Connecticut’s Private health Insurance companies 1-203-374-3645
- Blue Cross Blue Shield
- Golden Rule