Connecticut operates its own state-based marketplace, Access Health CT, rather than relying on the federal HealthCare.gov site. Residents shop for plans, check subsidy eligibility, and enroll directly through the state exchange.

Connecticut has expanded Medicaid under the ACA, so adults earning up to 138% of the federal poverty level generally qualify for HUSKY Health, the state's Medicaid program, instead of needing a marketplace plan with subsidies.

Because Access Health CT is a state-run exchange, it can offer its own outreach programs and enrollment assistance beyond what's available on HealthCare.gov, and its enrollment calendar may differ from the federal schedule. Shoppers should also compare deductibles carefully, since Connecticut's individual market has a mix of higher-deductible and more comprehensive plan options.