Connecticut
Cheapest ACA plans in Hartford, Connecticut for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Hartford is in Hartford County, Connecticut. 3 carriers sell 2026 ACA plans on Access Health CT for residents of Hartford County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $582/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Hartford County, including Hartford.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Hartford (Hartford County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Hartford County |
|---|---|---|
| Catastrophic | $317 | 2 |
| Expanded Bronze | $582 | 6 |
| Bronze | $613 | 4 |
| Silver | $707 | 3 |
| Gold | $751 | 7 |
The actual cheapest Bronze plan in Hartford
Anthem Health Plans, Inc. Bronze HMO Pathway Enhanced
$582/moFor a family of four (two 40-year-olds and two kids under 14): Anthem Health Plans, Inc. Bronze HMO Pathway Enhanced at $1,859/month before subsidies.
Carriers selling 2026 plans in Hartford
3 carriers sell 2026 plans on Access Health CT for Hartford County residents; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 31 plans total in Hartford County.
| Carrier | On-exchange plans |
|---|---|
| Anthem Health Plans, Inc. | 11 |
| ConnectiCare Benefits Inc. | 7 |
| ConnectiCare Insurance Company Inc. | 4 |
Also selling off-exchange only
These carriers sell plans directly (not through Access Health CT). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| ConnectiCare Inc. | 3 |
What you'll actually pay in Hartford
Estimated monthly net premium for the cheapest Bronze plan above ($582/mo before subsidy) on Access Health CT, after federal APTC and Connecticut 2026 Temporary Premium Assistance. APTC is computed against the Hartford Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | State subsidy | Cheapest Bronze net |
|---|---|---|---|---|
| $25,000 | 160% | $702/mo | $88.715/mo | $0/mo |
| $40,000 | 256% | $512/mo | $73.024/mo | $0/mo |
| $60,000 | 383% | $301/mo | $46.801/mo | $234/mo |
| $100,000 | 639% | — | — | $582/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | State subsidy | Cheapest Bronze net |
|---|---|---|---|---|
| $40,000 | 124% | — | $2,554.028/mo | Medicaid likely |
| $80,000 | 249% | $1,995/mo | $147.736/mo | $0/mo |
| $130,000 | 404% | — | $816.597/mo | $1,042/mo |
| $200,000 | 622% | — | — | $1,859/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Hartford, Connecticut for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Anthem Health Plans, Inc. Bronze HMO Pathway Enhanced at $582 per month before subsidies. Plans sell through Access Health CT. Hartford is in Hartford County, Connecticut; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Hartford's 2026 ACA pricing compare to other Connecticut cities?
Cheapest Bronze for a 40-year-old in Hartford is $582 per month before subsidies. For comparison: Bridgeport at $681/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Can I really get a $0 health plan in Connecticut?
Yes, if your household income is up to 175% of the Federal Poverty Level and you are not eligible for HUSKY/Medicaid, the Covered Connecticut Program pays 100% of your Silver plan premium and 100% of your cost-sharing. You also get adult dental and non-emergency medical transportation at no extra cost. You must enroll in a Silver plan on Access Health CT to qualify.
What happens if I make too much for HUSKY but not enough to afford a marketplace plan?
Connecticut closes that gap with the Covered Connecticut Program. HUSKY D covers adults up to 138% FPL. From 138% to 175% FPL, Covered CT brings your Silver plan premium and cost-sharing to $0. Above 175% FPL you use standard federal APTC and CSR on Access Health CT.
Why do I see both "counties" and "Planning Regions" for Connecticut?
Connecticut abolished functioning county government decades ago and the Census Bureau switched to nine Councils of Governments (Planning Regions) as county-equivalents in 2022/2024. But federal programs, FIPS codes, and insurance rating areas still reference the eight legacy counties (Fairfield, Hartford, New Haven, New London, Litchfield, Middlesex, Tolland, Windham). For picking a health plan you use the legacy county your town belongs to.
More Connecticut pricing
- Statewide Connecticut pricing and metal tiers
- Bridgeport pricingcheapest Bronze $681/mo
Sources
- Access Health CT: PY2026 Open Enrollment Overview for OEP dates, effective-date tiers, and the January 31 extension.
- CT Department of Social Services: Covered Connecticut Program for Covered CT eligibility, benefits, and state-funded premium + cost-sharing wrap.
- Connecticut General Statutes § 38a-481 for the 1.5:1 tobacco-rating cap on individual nongrandfathered policies.
- HUSKY Health: How to Qualify for HUSKY A/B/C/D eligibility bands relative to Covered Connecticut.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.