Health Insurance in Cheshire, Connecticut — Complete 2025 Guide

Cheshire, Connecticut is a well-established New Haven County town with a high quality of life, a cost of living index of 115 (15 points above the national average), and a median home price of $385,000. For the roughly 30,000 residents who call Cheshire home — including an estimated 5,200 residents aged 65 and older — protecting that quality of life means having the right health insurance in place. Medical costs in Connecticut rank among the highest in the nation, and without adequate coverage, a single hospitalization or specialist visit can create serious financial strain even in an otherwise comfortable household.

This guide covers every type of health insurance available to Cheshire residents in 2025: ACA Marketplace plans, Medicaid through Connecticut’s HUSKY program, short-term health plans, COBRA continuation coverage, catastrophic plans, and employer group insurance. It also explains Connecticut-specific rules, local healthcare networks, how premiums are calculated for ZIP code 06410, and a step-by-step process for enrolling before the deadline. Use the FAQ section at the bottom to find quick answers to the questions Cheshire residents ask most often.

What Is Health Insurance? (Cheshire Context)

Health insurance is a contract between you and an insurance company under which the insurer agrees to cover a defined share of your medical expenses — including doctor visits, hospital stays, prescription drugs, preventive care, and emergency treatment — in exchange for a monthly premium. When you receive care, the insurance company pays its contracted portion directly to the provider, and you pay your deductible, copay, or coinsurance until your out-of-pocket maximum is reached for the year.

For Cheshire residents specifically, health insurance takes on additional importance for several reasons. First, Connecticut’s cost of living index of 115 means that healthcare services, like everything else, cost more here than in most parts of the country. A standard MRI that might cost $800 in a lower-cost state can approach $1,400 or more at a Connecticut imaging center. Second, Cheshire’s population includes approximately 5,200 residents aged 65 and older, a demographic that typically requires more frequent specialist visits, prescription medications, and preventive screenings. While Medicare covers most residents at 65, the years leading up to Medicare eligibility are often the most expensive for insurance purposes.

Third, Cheshire sits within commuting distance of Waterbury, Hamden, Wallingford, and Meriden — and many residents work across those town lines. That means employer group plans may be administered by companies headquartered in neighboring cities, and the provider networks attached to those plans may vary in how well they cover Cheshire-based physicians and facilities. Understanding whether your plan’s network includes local options before you enroll is essential, not an afterthought.

Health insurance also functions as a financial planning tool for a town where the median home price is $385,000. Most households in Cheshire have significant assets — equity in a home, retirement savings, or both — that a catastrophic medical event could put at risk without adequate insurance. A serious illness or accident that generates $200,000 in medical bills can be absorbed by a good health plan. Without one, it can trigger bankruptcy or force the liquidation of savings that took decades to build.

Types of Health Insurance Available in Cheshire

Cheshire residents can access health coverage through several distinct channels. Each has different eligibility rules, cost structures, and levels of coverage. Below is a plain-language summary of each type, followed by a comparison table.

ACA Marketplace Plans (Bronze, Silver, Gold, Platinum)

ACA Marketplace plans are the most common form of individual and family health insurance for Cheshire residents who do not have access to employer-sponsored coverage. All plans sold on Connecticut’s exchange — Access Health CT at accesshealthct.com — must cover the ten essential health benefits required by the Affordable Care Act, including hospitalization, prescription drugs, maternity care, mental health services, and preventive care at no cost-sharing. Plans are divided into four metal tiers based on how costs are split between you and the insurer:

• Bronze plans have the lowest monthly premiums but the highest deductibles and out-of-pocket costs. They are best suited for healthy individuals who want protection against catastrophic expenses but do not anticipate frequent medical visits.
• Silver plans sit in the middle. More importantly for income-eligible Cheshire residents, Silver plans are the only tier through which cost-sharing reductions (CSRs) are available — extra subsidies that lower your deductible and copays if your income falls between 100% and 250% of the federal poverty level.
• Gold plans carry higher premiums but lower deductibles and copays, making them cost-effective for residents who use their insurance regularly — those managing a chronic condition, taking multiple prescriptions, or expecting significant medical use in the coming year.
• Platinum plans provide the highest level of cost-sharing coverage (the insurer pays about 90% of costs on average) in exchange for the highest premiums. They make financial sense primarily for people with predictably high medical expenses.

Catastrophic Coverage

Catastrophic plans are available only to Cheshire residents under age 30, or those of any age who qualify for a hardship or affordability exemption. These plans have very low premiums but extremely high deductibles — in 2025, the deductible equals the ACA’s out-of-pocket maximum, which is approximately $9,450 for an individual. They cover three primary care visits per year before the deductible and all preventive services at no cost. They do not qualify for premium tax credits.

Short-Term Health Plans

Short-term health plans are limited-duration policies that fill gaps in coverage — for example, between jobs or during a waiting period before employer coverage begins. Connecticut restricts the duration and renewability of short-term plans more than many other states. These plans do not have to cover ACA essential health benefits, can exclude pre-existing conditions, and typically do not count as minimum essential coverage. They should be used only as a bridge, not a long-term solution.

COBRA Continuation Coverage

If you leave a job in Cheshire or lose your employer-sponsored coverage for any reason, COBRA allows you to continue your existing plan for up to 18 months (and sometimes longer for qualifying events such as disability). The downside is cost: under COBRA, you pay the full premium — both the portion your employer used to pay and your own share — plus a 2% administrative fee. For many Cheshire residents, COBRA premiums can run $600 to $1,800 or more per month for family coverage, which is why comparing COBRA against ACA Marketplace options during a special enrollment period is always worthwhile.

Medicaid / HUSKY Health (Connecticut)

Connecticut expanded Medicaid under the ACA, and its Medicaid program — called HUSKY Health — covers residents with incomes up to 138% of the federal poverty level. For a single adult in 2025, that threshold is approximately $20,120 per year. HUSKY Health covers a comprehensive range of services with minimal or no cost-sharing. Applications can be submitted through Access Health CT or directly through the Department of Social Services.

Employer Group Plans

Many Cheshire residents receive health insurance through an employer — either their own or a family member’s. Group plans typically offer lower premiums than individual market plans because the risk pool is larger and employers usually contribute a significant share of the premium. If you have access to an affordable employer plan that meets minimum value standards, you are generally not eligible for premium tax credits on the Marketplace.

How Much Does Health Insurance Cost in Cheshire?

Health insurance premiums in Cheshire, Connecticut are determined by a combination of factors: your age, the number of people on the plan, the metal tier you choose, and whether you qualify for premium tax credits. Cheshire’s cost of living index of 115 reflects the broader economic environment — and while it does not directly set your premium, it is a useful benchmark for understanding that healthcare prices in New Haven County tend to run higher than the national average.

Premium Ranges for Cheshire (ZIP 06410) in 2025

The following are approximate unsubsidized monthly premiums for ACA plans available to Cheshire residents. These figures reflect typical carrier pricing in the 06410 ZIP code and will vary based on the specific plan and insurer:

• Individual, age 25: $200–$380/month (Bronze to Gold)
• Individual, age 40: $280–$520/month (Bronze to Gold)
• Individual, age 55: $450–$850/month (Bronze to Gold)
• Family of four, parents age 40: $950–$2,100/month (Bronze to Gold)

The Impact of Premium Tax Credits

Premium tax credits (advance premium tax credits, or APTCs) can dramatically reduce these costs for Cheshire residents with incomes between 100% and 400% of the federal poverty level — and under current enhanced subsidy rules, households above 400% FPL may also qualify for some credit if their premium would exceed a set percentage of their income. A family of four earning $85,000 per year, for example, might reduce a $1,500/month Silver plan premium down to $600–$800/month after tax credits. A single adult earning $35,000 might pay as little as $50–$150/month for a Bronze or Silver plan after credits are applied.

Out-of-Pocket Costs: Deductibles and Maximums

The monthly premium is only one part of what you will pay. Your total annual cost also depends on your deductible (what you pay before insurance kicks in), your copays and coinsurance (your share of each service after the deductible), and your out-of-pocket maximum (the most you can be required to pay in a calendar year). In 2025, ACA out-of-pocket maximums are capped at approximately $9,450 for an individual and $18,900 for a family. Bronze plans typically carry individual deductibles of $6,000–$7,500. Gold plans often have deductibles of $1,000–$1,500 or lower.

For a Cheshire household with a median home value of $385,000 and a family budget that reflects the town’s above-average cost of living, choosing a plan that balances premium costs with out-of-pocket exposure is a meaningful financial decision — not just an administrative checkbox. A broker review of your specific situation can identify whether you are overpaying for coverage you do not need or, conversely, underinsured against a realistic risk scenario.

The 65+ Age Group

For Cheshire’s 5,200 residents aged 65 and older, Medicare is the primary insurance mechanism rather than ACA plans. However, many in this group supplement Medicare with Medigap (Medicare Supplement) policies or Medicare Advantage plans — both of which carry their own premium structures and network considerations. Residents who turn 65 during the year also need to coordinate between their current plan and Medicare enrollment to avoid penalty-triggering gaps in coverage.

Connecticut-Specific Rules for Health Insurance

Connecticut has its own set of rules governing health insurance that go beyond federal ACA requirements. Understanding these state-level protections and requirements is essential for any Cheshire resident purchasing or renewing coverage.

Access Health CT

Connecticut operates its own state-based insurance exchange, Access Health CT (accesshealthct.com). All ACA Marketplace plans available to Cheshire residents are sold through this platform. You cannot purchase a subsidized ACA plan directly through an insurer’s website — you must go through Access Health CT or enroll with a licensed broker who can submit your application on your behalf. The Access Health CT platform allows you to compare plans side by side, check whether specific providers are in-network, and apply for premium tax credits and cost-sharing reductions in a single application.

Open Enrollment and Special Enrollment Periods

Connecticut’s ACA open enrollment runs from November 1 through January 15 each year. Coverage purchased during this window takes effect January 1 (if enrolled by December 15) or February 1 (if enrolled between December 16 and January 15). Outside of open enrollment, you can only enroll or change plans if you experience a qualifying life event — such as losing employer coverage, getting married, having a child, moving to a new state, or losing Medicaid eligibility. This triggers a special enrollment period (SEP) that typically lasts 60 days from the qualifying event.

HUSKY Health Enrollment

Unlike ACA Marketplace plans, HUSKY Health (Connecticut’s Medicaid program) has no enrollment window — eligible residents can apply year-round. Connecticut’s Medicaid expansion covers adults with incomes up to 138% of the federal poverty level. Applications are accepted through Access Health CT or the Department of Social Services. HUSKY A covers low-income parents and children; HUSKY D covers childless adults under the expansion.

Connecticut Insurance Department Oversight

All health insurance plans sold in Connecticut are regulated by the Connecticut Insurance Department (available at ct.gov/cid). The CID reviews and approves premium rates before insurers can charge them, investigates consumer complaints, and enforces state insurance laws including Connecticut’s guaranteed issue requirement — meaning insurers must offer coverage to all applicants during open enrollment regardless of health status or pre-existing conditions. If you have a complaint about a denied claim or billing dispute, the CID is the appropriate regulatory body to contact.

Connecticut Life and Health Insurance Guaranty Association

In the unlikely event that a licensed health insurer becomes insolvent and cannot pay claims, Connecticut residents are protected by the Connecticut Life and Health Insurance Guaranty Association. This state-mandated safety net ensures that policyholders do not lose all protection if their insurer fails, though coverage limits apply. This protection is one reason why purchasing coverage through a licensed, state-regulated insurer — rather than an unlicensed or out-of-state entity — is always advisable.

Cheshire Healthcare Landscape and Its Impact on Your Health Insurance

The health insurance plan you choose is only as useful as the healthcare providers you can access with it. Cheshire’s location in New Haven County places residents within reasonable distance of several major healthcare systems, and your plan’s network determines whether you can access those facilities at in-network rates or whether you will face significantly higher out-of-pocket costs — or in the case of HMO plans, no coverage at all for out-of-network care.

Major Hospitals Serving Cheshire Residents

MidState Medical Center, located in Meriden, is the closest major hospital to Cheshire and the facility most Cheshire residents use for emergency and inpatient care. MidState is part of the Hartford HealthCare system, one of Connecticut’s two dominant hospital networks. Any health plan you purchase in Cheshire should be checked for MidState participation — if MidState is out of network on your plan, you could face very high costs for an emergency admission.

Yale New Haven Hospital, located in New Haven, is one of the premier academic medical centers in New England and a major destination for complex or specialized care. Yale New Haven Hospital is part of the Yale New Haven Health system. Several conditions — advanced cancer care, complex cardiac procedures, neurosurgical interventions — may require a referral to Yale New Haven, and having a plan that includes this hospital in-network can be critical for Cheshire residents with serious health conditions or those who want access to subspecialty expertise.

Healthcare Network Affiliations

In Connecticut, most insurance plans structure their networks around one of two major health systems: Hartford HealthCare and Yale New Haven Health. Hartford HealthCare includes MidState Medical Center, Hartford Hospital, St. Vincent’s Medical Center (in Bridgeport), and several other facilities and physician groups across the state. Yale New Haven Health includes Yale New Haven Hospital, Bridgeport Hospital, Greenwich Hospital, and Lawrence + Memorial Hospital, along with a large employed physician group (NEMG).

Some plans in Cheshire offer networks that include both systems; others are narrower and include only one. Before enrolling, verify that your primary care physician (PCP) and any specialists you see regularly participate in the plan you are considering. A plan that excludes your cardiologist or oncologist at MidState may cost more in the long run than a slightly higher-premium plan that keeps your current care team in network.

Pharmacies in Cheshire

Pharmacy networks are a frequently overlooked component of health insurance selection. Cheshire residents have convenient access to major retail pharmacies including CVS Pharmacy, Walgreens, and Stop & Shop Pharmacy. Most ACA plans include these chains in their retail pharmacy networks, but formulary coverage — which specific drugs are covered and at what cost tier — varies significantly between plans. If you take one or more brand-name or specialty prescription medications, comparing formularies before enrollment can save hundreds of dollars per year. Some plans also offer preferred pharmacy pricing at specific chains or through mail-order programs that can further reduce your drug costs.

How to Get Health Insurance in Cheshire: Step-by-Step

Enrolling in health insurance in Cheshire involves a defined process with specific deadlines. The following steps apply to individuals and families enrolling through Access Health CT. Employer plan enrollment follows your employer’s HR process and timeline, which varies by company.

1. Gather your documents. Before you begin an application, collect the following: Social Security numbers for everyone to be covered; dates of birth; current income documentation (recent pay stubs, prior year tax return, or self-employment records); information about any employer-sponsored coverage you or your spouse currently have access to; and immigration documentation if applicable for non-citizen household members.
2. Estimate your annual household income. Your premium tax credit eligibility is based on your projected income for the coming year — not your prior-year income, though your tax return is a useful starting point. If your income is variable (freelance, seasonal work, commissions), estimate conservatively to avoid receiving more in tax credits than you are entitled to and having to repay the difference at tax time.
3. Visit Access Health CT or contact a licensed broker. You can create an account at accesshealthct.com and complete an application online, or you can work with a licensed broker such as Joseph Antonucci at We Find Your Insurance. A broker can complete the application on your behalf, explain your options, compare plan networks against your specific providers, and help you understand the trade-offs between plans — at no additional cost to you. Broker compensation comes from the insurer, not the consumer.
4. Compare plans based on total cost, not just premium. Use the plan comparison tools to evaluate not only monthly premiums but also your estimated total annual cost based on your expected healthcare use. Factor in your deductible, out-of-pocket maximum, and drug costs. A $50/month cheaper premium that comes with a $3,000 higher deductible is not necessarily the better deal.
5. Verify provider network participation. Before selecting a final plan, confirm that MidState Medical Center, Yale New Haven Hospital, your primary care physician, and any specialists you see are listed as in-network providers. Use the plan’s online provider directory or call the insurer’s member services line to confirm.
6. Enroll before the deadline. For January 1 coverage, enroll by December 15. For February 1 coverage, enroll by January 15. If you have a qualifying life event outside of open enrollment, submit your application within 60 days of the event to take advantage of your special enrollment period.
7. Pay your first premium. Coverage does not activate until your first premium payment is received. After enrollment, watch for a welcome packet from your insurer and set up automatic payments to avoid a lapse in coverage.
8. Review your plan annually. Plans change their premiums, formularies, and networks each year. Do not auto-renew without comparing your current plan against alternatives during each open enrollment period. A plan that was optimal in 2024 may not be the best choice in 2025.

Comparing Health Insurance Providers in Cheshire

Several major insurance carriers offer health plans to Cheshire residents through Access Health CT. Each has different network structures, premium pricing, and member service reputations. The table below provides a neutral overview; availability and specific plan details change each enrollment year, so verifying current offerings is essential.

The network type matters significantly in Cheshire. An HMO (Health Maintenance Organization) requires you to select a primary care physician and obtain referrals before seeing specialists. It typically does not cover out-of-network care at all except in emergencies. A PPO (Preferred Provider Organization) allows you to see any provider without a referral, with in-network providers costing less but out-of-network care remaining partially covered. An EPO (Exclusive Provider Organization) is a hybrid — no referrals required, but coverage is restricted to network providers. Understanding these structures before enrolling prevents costly surprises when you need care.

Cheshire Neighborhoods and ZIP Code Coverage

Cheshire is served by a single primary ZIP code, 06410, which covers the entire town including its distinct residential neighborhoods. While ZIP code boundaries do not determine which insurance plans you can purchase — that is based on your county of residence (New Haven County) — they do matter for verifying provider network access and, in some cases, specific plan availability on Access Health CT.

Cheshire Center

Cheshire Center is the town’s commercial and civic core, home to local medical offices, the town hall, and a concentration of retail pharmacies including CVS and Walgreens locations. Residents in this area typically have straightforward access to primary care physicians within Cheshire itself, as well as proximity to Route 10 and Route 42 for travel to Meriden (MidState Medical Center) or Hamden for specialty care. Plan selection for Cheshire Center residents should prioritize whether local primary care practices participate in the plan’s network.

West Cheshire

West Cheshire is a more residential area, with lower commercial density and longer typical travel times to hospital facilities. Residents in West Cheshire may rely more heavily on telehealth benefits and urgent care networks for minor health needs — making it worth checking whether prospective plans include robust telehealth benefits and nearby urgent care facilities in Waterbury or Hamden within their network at in-network cost-sharing rates.

Mount Sanford

Mount Sanford is a quieter, semi-rural neighborhood in the northern part of Cheshire. Residents here are closer to Wolcott and Southington than to Cheshire Center, and their most accessible hospital options may include Bristol Health or Saint Mary’s Hospital in Waterbury in addition to MidState Medical Center. Anyone in the Mount Sanford area enrolling in an HMO plan should confirm that their nearest primary care and hospital options are covered in-network before committing to a plan that primarily optimizes for New Haven County access.

For all Cheshire neighborhoods, ZIP code 06410 falls within the New Haven County rating area for ACA purposes. This means all residents in 06410 access the same pool of available plans and are subject to the same county-level premium rates, regardless of which neighborhood they live in.

Frequently Asked Questions — Health Insurance in Cheshire

What is the best health insurance plan for Cheshire, CT residents?

The best health insurance plan depends on your income, health status, preferred providers, and how much healthcare you typically use in a year — there is no single “best” plan for everyone in Cheshire. For most middle-income Cheshire residents who use healthcare regularly, a Silver plan through Access Health CT offers the best balance of premium cost and coverage depth, especially if you qualify for cost-sharing reductions. Residents in excellent health who want low premiums and are comfortable with higher out-of-pocket costs in the event of a claim may find a Bronze plan more cost-effective over the year. Residents with predictable high medical needs — managing a chronic illness, expecting surgery, or taking expensive specialty medications — often find that the lower deductibles of a Gold plan save money in total annual costs even if the monthly premium is higher.

How do I apply for health insurance in Cheshire, Connecticut?

You apply for ACA Marketplace health insurance in Cheshire through Access Health CT at accesshealthct.com, Connecticut’s official insurance exchange. You can create an account and complete the application online, by phone through Access Health CT’s call center, or with the help of a licensed broker who can apply on your behalf. The application will collect household income information, household size, Social Security numbers, and details about any other coverage available to you. If you are applying for HUSKY Health (Medicaid), you can apply through the same Access Health CT portal or directly through the Connecticut Department of Social Services.

When is open enrollment for health insurance in Connecticut?

Open enrollment for ACA health insurance plans in Connecticut runs from November 1 through January 15 each year. To have coverage begin on January 1, you must complete enrollment by December 15. Enrolling between December 16 and January 15 results in a February 1 effective date. Outside of this window, you can only enroll if you experience a qualifying life event — such as job loss, marriage, divorce, birth or adoption of a child, or a move — that triggers a special enrollment period.

Can I get health insurance outside of open enrollment?

Yes, you can enroll in health insurance outside of open enrollment in Connecticut if you have a qualifying life event that triggers a special enrollment period (SEP). Common qualifying events include losing job-based health coverage, getting married or divorced, having a baby or adopting a child, moving to a new state, gaining citizenship or lawful immigration status, and losing Medicaid or CHIP eligibility. After a qualifying event, you typically have 60 days to enroll. Connecticut also allows year-round enrollment in HUSKY Health for those who meet income eligibility requirements.

Do I qualify for subsidies to lower my health insurance premiums in Cheshire?

You may qualify for premium tax credits if your household income is at or above 100% of the federal poverty level and you are not eligible for affordable employer-sponsored coverage, Medicare, or Medicaid. For 2025, a single adult earning roughly $14,580 to approximately $58,320 (100%–400% FPL) is in the most common subsidy range, though enhanced subsidy rules mean some higher-income households also qualify if their premiums would otherwise exceed a defined percentage of income. A family of four earning up to roughly $120,000 may still receive some level of subsidy. Cheshire residents with incomes under 138% FPL — approximately $20,120 for a single adult — typically qualify for HUSKY Health at little or no cost instead.

What hospitals are covered under Cheshire health insurance plans?

Network participation varies by plan, but most major plans available in Cheshire cover MidState Medical Center in Meriden (Hartford HealthCare system) and Yale New Haven Hospital (Yale New Haven Health system). Confirming network participation before enrollment is essential, particularly for HMO and EPO plans that provide no out-of-network benefits except in emergencies. You can check network participation through each insurer’s provider directory on the Access Health CT website or by calling the insurer directly. Residents with existing relationships with specific physicians at these hospitals should verify that the individual physician — not just the hospital — participates in the plan they are considering.

What is the difference between an HMO and a PPO in Connecticut?

An HMO (Health Maintenance Organization) requires you to choose a primary care physician who coordinates your care and provides referrals to specialists; it generally does not cover out-of-network care except in emergencies, which keeps premiums lower. A PPO (Preferred Provider Organization) allows you to see any licensed provider without a referral and provides partial coverage for out-of-network care, giving you more flexibility but typically at a higher premium. For Cheshire residents who want to access both Hartford HealthCare and Yale New Haven Health providers, a PPO may be worth the higher cost; residents comfortable staying within a single system’s network may find an HMO more economical.

What happens if I miss open enrollment for health insurance?

If you miss Connecticut’s open enrollment window (November 1 – January 15), you will generally need to wait until the next open enrollment period unless you have a qualifying life event that triggers a special enrollment period. Without a qualifying event, your options are limited to COBRA continuation (if you recently left employer coverage), short-term health plans (which provide limited benefits and do not cover pre-existing conditions), or HUSKY Health if you meet the income requirements. Missing open enrollment can leave you uninsured for months, which is why reviewing your options each fall — before the deadline — is a critical financial planning step for every Cheshire household.

Is short-term health insurance a good option for Cheshire residents?

Short-term health insurance is a reasonable temporary bridge but is generally not a good long-term solution for Cheshire residents. Short-term plans do not have to cover ACA essential health benefits, can deny coverage for pre-existing conditions, and typically cap benefits well below the level of an ACA plan. Connecticut also restricts the duration and renewability of these plans more tightly than many other states. They are best used for a gap of a few months — for example, while waiting for employer coverage to begin after a new job — rather than as a substitute for comprehensive coverage. For most uninsured Cheshire residents, comparing ACA Marketplace plans (especially with available subsidies) will result in better overall value than a short-term plan.

How does my Cheshire address affect my health insurance options?

Your Cheshire address in ZIP code 06410 places you in Connecticut’s New Haven County rating area, which determines which plans are available to you on Access Health CT and what county-level premium rates apply. All Cheshire neighborhoods — Cheshire Center, West Cheshire, and Mount Sanford — are in the same ZIP code and therefore the same rating area. Your specific address does not change which plans you can purchase, but it does affect which local providers and facilities are realistically accessible to you, which should guide your choice of plan type and network breadth.

If you live in Cheshire, Connecticut and want help navigating your health insurance options in 2025, Joseph Antonucci at We Find Your Insurance is available to review your situation and help you compare every plan available to you in ZIP code 06410 — at no cost to you. Joseph is a Connecticut-licensed insurance broker (CT License #21658409, licensed since 2019) with direct access to all plans offered through Access Health CT, as well as employer group plans and Medicare supplement options for Cheshire residents approaching age 65. Call (860) 351-0514 today to schedule a free consultation and make sure your family has the right coverage before the next open enrollment deadline.