Insurance prices will change in 2016 for the nearly 170,000 Connecticut residents who buy their own health plans. So what will people be paying? Here’s a look, broken down in two ways.
First, you can see some sample premiums and how they’re changing from 2015 to 2016.
Second, you can see how a specific plan’s premium will change next year.
In general, rates vary based on a person’s age, county and the specific plan he or she buys. Some plans sold outside the state’s health insurance exchange also have different prices depending on whether a person smokes or not.
People who receive federal subsidies to discount their premiums could see price changes, but they won’t match their plan’s rate change directly.
Price changes for 2016
So what will it cost to buy insurance in Connecticut next year? To get a sense, we ran the numbers for four customers with different ages and counties.
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We picked standard plans sold through Access Health CT, the state’s health insurance exchange, because they have the same design regardless of which insurer offers them, making it easier to compare rates. Each company also sells plans with unique designs, and more companies sell plans outside the exchange.
Bronze standard plan: Bronze plans typically have the lowest premiums available to most customers, but they require people to spend the most when getting care.
In 2015, standard bronze plans have $5,000 deductibles for individuals (or $10,000 for families), which means members must pay that much toward most medical costs before the plan begins paying. (For all plans, certain preventive services are available at no out-of-pocket costs to patients under the federal health law.) In 2016, the deductible will rise to $5,500 for individuals and $11,000 for families.
Company/customer | 2015 | 2016 |
---|---|---|
30-year-old, New Haven | 30-year-old, New Haven | 30-year-old, New Haven |
Anthem | $235.05 | $249.03 |
ConnectiCare Benefits | $238.16 | $241.95 |
HealthyCT | $222.52 | $231.15 |
UnitedHealthcare | $258.79 | $272.36 |
40-year-old, Fairfield | 40-year-old, Fairfield | 40-year-old, Fairfield |
Anthem | $306.45 | $324.68 |
ConnectiCare Benefits | $292.99 | $297.66 |
HealthyCT | $269.35 | $280.04 |
UnitedHealthcare | $320.64 | $342.19 |
50-year-old, Hartford | 50-year-old, Hartford | 50-year-old, Hartford |
Anthem | $338.71 | $358.86 |
ConnectiCare Benefits | $332.71 | $338.02 |
HealthyCT | $329.14 | $341.94 |
UnitedHealthcare | $425.28 | $437.60 |
60-year-old, New London | 60-year-old, New London | 60-year-old, New London |
Anthem | $514.71 | $545.32 |
ConnectiCare Benefits | $581.69 | $590.97 |
HealthyCT | $553.37 | $574.82 |
UnitedHealthcare | $714.89 | $685.54 |
Bronze HSA plans: The HSA stands for health savings accounts that people can use for medical expenses. This year, these plans have a $4,600 deductible for individuals and a $9,200 deductible for families. In 2016, these plans will have a $5,300 deductible for individuals, or $10,600 for families.
Company/customer | 2015 | 2016 |
---|---|---|
30-year-old, New Haven | 30-year-old, New Haven | 30-year-old, New Haven |
Anthem | $226.59 | $226.08 |
ConnectiCare Benefits | $221.86 | $208.17 |
HealthyCT | $223.30 | $231.86 |
UnitedHealthcare | $256.83 | $265.66 |
40-year-old, Fairfield | 40-year-old, Fairfield | 40-year-old, Fairfield |
Anthem | $295.44 | $294.76 |
ConnectiCare Benefits | $272.94 | $256.10 |
HealthyCT | $270.29 | $280.90 |
UnitedHealthcare | $318.20 | $333.77 |
50-year-old, Hartford | 50-year-old, Hartford | 50-year-old, Hartford |
Anthem | $326.53 | $325.80 |
ConnectiCare Benefits | $309.94 | $290.81 |
HealthyCT | $330.29 | $343.00 |
UnitedHealthcare | $422.05 | $426.84 |
60-year-old, New London | 60-year-old, New London | 60-year-old, New London |
Anthem | $496.20 | $495.09 |
ConnectiCare Benefits | $541.90 | $508.47 |
HealthyCT | $555.31 | $576.61 |
UnitedHealthcare | $709.44 | $668.68 |
Silver standard plans: Silver plans typically have mid-range premiums and out-of-pocket costs. In 2015, standard silver plans have $2,600 deductibles for individuals ($5,200 for families), but some services are covered without the patient having to hit the deductible (the person would instead pay a fixed copayment). In 2016, the deductible will rise to $2,900 for individuals and $5,800 for families.
Company/customer | 2015 | 2016 |
---|---|---|
30-year-old, New Haven | 30-year-old, New Haven | 30-year-old, New Haven |
Anthem | $323.99 | $329.18 |
ConnectiCare Benefits | $321.13 | $316.52 |
HealthyCT | $315.33 | $340.21 |
UnitedHealthcare | $328.42 | $331.30 |
40-year-old, Fairfield | 40-year-old, Fairfield | 40-year-old, Fairfield |
Anthem | $422.42 | $429.19 |
ConnectiCare Benefits | $395.07 | $389.39 |
HealthyCT | $381.69 | $412.16 |
UnitedHealthcare | $406.89 | $416.23 |
50-year-old, Hartford | 50-year-old, Hartford | 50-year-old, Hartford |
Anthem | $466.90 | $474.38 |
ConnectiCare Benefits | $448.63 | $442.18 |
HealthyCT | $466.42 | $503.25 |
UnitedHealthcare | $539.71 | $532.29 |
60-year-old, New London | 60-year-old, New London | 60-year-old, New London |
Anthem | $709.49 | $720.87 |
ConnectiCare Benefits | $784.37 | $773.11 |
HealthyCT | $784.17 | $846.03 |
UnitedHealthcare | $907.21 | $833.89 |
Standard Gold plans: Gold plans generally have the highest premiums but require members to pay less when they get care. These plans have deductibles of $1,000 for individuals and $2,000 for families, but many services are covered without the members having to hit the deductible (in those cases, people would instead pay fixed copayments).
Company/customer | 2015 | 2016 |
---|---|---|
30-year-old, New Haven | 30-year-old, New Haven | 30-year-old, New Haven |
Anthem | $377.41 | $396.88 |
ConnectiCare Benefits | $368.09 | $378.65 |
HealthyCT | $355.41 | $378.43 |
UnitedHealthcare | $354.69 | $402.29 |
40-year-old, Fairfield | 40-year-old, Fairfield | 40-year-old, Fairfield |
Anthem | $492.06 | $517.45 |
ConnectiCare Benefits | $452.85 | $465.83 |
HealthyCT | $430.21 | $458.46 |
UnitedHealthcare | $439.44 | $505.42 |
50-year-old, Hartford | 50-year-old, Hartford | 50-year-old, Hartford |
Anthem | $543.85 | $571.93 |
ConnectiCare Benefits | $514.24 | $528.98 |
HealthyCT | $525.71 | $559.80 |
UnitedHealthcare | $582.88 | $646.36 |
60-year-old, New London | 60-year-old, New London | 60-year-old, New London |
Anthem | $826.44 | $869.10 |
ConnectiCare Benefits | $899.09 | $924.88 |
HealthyCT | $883.86 | $941.07 |
UnitedHealthcare | $979.78 | $1,012.58 |
Rate changes by plan
These are listed by insurance company. In some cases, companies sell plans through more than one license and are listed separately (there are three entries for ConnectiCare, for example, and separate listings for UnitedHealthcare’s plans sold on and off the exchange).
Name | Rate change |
---|---|
CT Aetna Bronze Copay $20 Copay PD | 0.40% |
CT Aetna Bronze Ded. Only H.S.A. PD | 1.80% |
CT Aetna Silver $10 Copay PD | 3.80% |
CT Aetna Silver $10 Copay 2750 PD | -2.20% |
CT Aetna Gold Copay $5 PD | 2.20% |
CT Costco Bronze Copay $20 Copay PD | -1.50% |
CT Costco Bronze Ded. Only H.S.A. PD | 0.00% |
CT Costco Silver $10 Copay PD | 2.70% |
CT AWH PHN Bronze $15 Copay PD | 1.20% |
CT AWH PHN Silver $10 Copay PD | 6.30% |
CT AWH PHN Gold $0 Copay PD | 2.90% |
Name | On/off exchange | Rate change |
---|---|---|
Catastrophic HMO Pathway X Enhanced | On | 2.97% |
Bronze HMO Pathway X Enhanced for H.S.A. | On | 6.94% |
Bronze HMO Pathway X Enhanced | On | 0.83% |
Gold HMO Pathway X Enhanced | On | -1.61% |
Anthem HMO Catastrophic BlueCare 6850/0% | Off | 2.95% |
Anthem Bronze HMO BlueCare 6000/12000/0% for H.S.A. | Off | 5.31% |
Anthem Bronze HMO Bluecare 6000/0% | Off | 1.18% |
Anthem Silver HMO BlueCare 3500/7000/0% for H.S.A. | Off | 1.05% |
Anthem Silver HMO BlueCare 3500/0% | Off | 1.83% |
Anthem Gold HMO Bluecare 1500/0% | Off | -1.61% |
Anthem Gold HMO Pathway X Enhanced 1850/0% | Off | -2.27% |
Bronze PPO Standard Pathway X | On | 5.95% |
Bronze PPO Standard Pathway X for H.S.A. | On | -0.23% |
Silver PPO Standard Pathway X | On | 1.60% |
Silver PPO Pathway X | On | 2.88% |
Gold PPO Standard Pathway X | On | 5.16% |
Anthem Bronze PPO Century Preferred 5700/11400/20% for H.S.A. | Off | 6.93% |
Anthem Silver PPO Century Preferred 2750/20% | Off | 3.57% |
Anthem Silver PPO Century Preferred 2500/20% | Off | 3.59% |
Gold HMO Pathway X Enhanced, a multi-state plan | On | -2.26% |
Silver PPO Pathway X, a multi-state plan | On | 2.86% |
Name | Rate change |
---|---|
Cigna OAP H.S.A. Bronze 6600 | 6.1% to 17.2% |
Cigna OAP H.S.A. Silver 2750 | 3.4% to 14.2% |
Cigna OAP Flex Gold 1000 | 14.4% to 24.7% |
Name | Rate change |
---|---|
Platinum Standard | 0.90% |
Gold Standard | 2.90% |
Gold Select | 3.30% |
Gold Choice | 2.70% |
Silver Standard | -1.40% |
Silver Choice | -1.40% |
Bronze Standard | 1.60% |
Bronze Choice | -3.10% |
Bronze H.S.A. Standard | -6.20% |
Bronze H.S.A. Select | 1.70% |
Catastrophic | -7.00% |
Plan | Rate change |
---|---|
HMO 5350 H.S.A. No Mbr cost | 5.10% |
Name | Rate change |
---|---|
POS 2500H 25/45 | 8.30% |
POS 5000H 30/60 | 8.30% |
POS 500UP 30/40 | 8.30% |
POS 750UP 30/45 | 8.30% |
POS 1000UP 30/45 | 8.30% |
POS 1500UP 50% | 6.00% |
POS 2500UP 30/45 | 8.30% |
POS 2500UP 50% | 8.30% |
POS 2500 20% | 8.30% |
POS 4500UP 50% | 12.90% |
POS 4500UP 25/40 | 11.70% |
POS 1750HSA 30/45 | 5.10% |
POS 3000HSA | 7.20% |
POS 5350HSA Combined | 4.40% |
Name | Rate change |
---|---|
Silver H.S.A. 100 | 0.90% |
Silver Copay Select 2 | 2.70% |
Silver Copay Select 1 | -1.00% |
Bronze H.S.A. 100 | 6.00% |
Bronze Copay Select | -5.90% |
Name | Rate change |
---|---|
Gold Preferred Standard PPO | 6.50% |
Silver Enhanced Standard PPO | 7.90% |
Bronze Basic Standard PPO | 3.90% |
Gold Preferred PPO 1 | 8.30% |
Silver Enhanced PPO 2 | 11.10% |
Silver Enhanced PPO 1 | 14.00% |
Bronze Basic H.S.A. 1 | 1.50% |
Basic Catastrophic PPO | -10.50% |
Gold Preferred PPO 2 | 10.00% |
Silver Enhanced PPO 3 | 8.30% |
Silver Enhanced PPO 4 | 5.70% |
Silver Enhanced PPO 5 | 8.50% |
Silver Enhanced PPO 6 | 14.30% |
Silver Enhanced H.S.A. 1 | 10.00% |
Silver Enhanced H.S. A. 2 | 3.10% |
Silver Enhanced H.S.A. 4 | 3.50% |
Bronze Basic H.S.A. 3 | 0.20% |
Bronze Basic Standard H.S.A. | 3.90% |
CO-OPtions Preferred Gold PPO, a multi-state plan | 8.60% |
CO-OPtions Preferred Gold Plus PPO, a multi-state plan | 8.70% |
CO-OPtions Enhanced Silver PPO 1, a multi-state plan | 11.20% |
CO-OPtions Enhanced Silver Plus PPO 1, a multi-state plan | 11.40% |
Name | Rate change |
---|---|
Platinum Copay Select Choice | 30.00% |
Gold Copay Select Choice | 15.60% |
Silver H.S.A. 100 Choice | 5.80% |
Silver Copay Select 2 Choice | 20.00% |
Silver Copay Select 1 Choice | 11.20% |
Bronze H.S.A. 100 Choice | 7.40% |
Bronze Copay Select 1 Choice | 7.10% |
Bronze Copay Select 2 Choice | 3.20% |
Select Saver Choice | 12.80% |
Name | Rate change |
---|---|
Standard Gold Choice Plus POS | 14.50% |
Gold Choice Plus H.S.A. | 0.50% |
Standard Silver Choice Plus POS | 1.90% |
Silver Choice Plus H.S.A. | 1.90% |
Standard Bronze Choice Plus POS | 6.30% |
Standard Bronze Choice Plus H.S.A. | 4.50% |