Connecticut
Cheapest ACA plans in Fairfield County, Connecticut for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Fairfield County, Connecticut has 3 on-exchange carriers offering 22 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Anthem Health Plans, Inc. Bronze HMO Pathway Enhanced at $681 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Fairfield 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 Fairfield County |
|---|---|---|
| Catastrophic | $371 | 2 |
| Expanded Bronze | $681 | 6 |
| Bronze | $717 | 4 |
| Silver | $827 | 3 |
| Gold | $879 | 7 |
The actual cheapest Bronze plan in Fairfield County
Anthem Health Plans, Inc. Bronze HMO Pathway Enhanced
$681/moFor a family of four (two 40-year-olds and two kids under 14): Anthem Health Plans, Inc. Bronze HMO Pathway Enhanced at $2,176/month before subsidies.
Carriers selling 2026 plans in Fairfield County
3 carriers sell 2026 plans on Access Health CT; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 31 plans total in this 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 |
Frequently asked questions
What is the cheapest ACA plan in Fairfield County, Connecticut for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Anthem Health Plans, Inc. Bronze HMO Pathway Enhanced at $681 per month before subsidies. Plans sell through Access Health CT. Data refreshed 2026-04-19T08:08:55.462Z.
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
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. Methodology and full data attribution at about.