Health Insurance in New Britain, Connecticut — Complete 2025 Guide

New Britain sits at the center of Hartford County, and like much of Central Connecticut, its residents face real decisions about health coverage every year — whether that means choosing an ACA Marketplace plan during open enrollment, evaluating a new employer’s benefits package, or determining whether a family member qualifies for Connecticut’s HUSKY Health Medicaid program. This guide covers everything you need to know about health insurance in New Britain, CT: what plans cost, which carriers operate here, how the local healthcare landscape affects your choices, and exactly what steps to take to get covered.

With a cost of living index of 96 — slightly below the national average of 100 — New Britain is modestly affordable by Connecticut standards, where median home prices hover around $195,000. That relative affordability matters when budgeting for health insurance, but premiums, deductibles, and out-of-pocket costs still represent a significant household expense. Getting the right plan matters.

What Is Health Insurance? (New Britain Context)

Health insurance is a contract between you and an insurance carrier: you pay a monthly premium, and the insurer agrees to cover a defined share of your medical costs — doctor visits, hospitalizations, prescription drugs, lab work, preventive care, and more — according to the plan’s terms. For residents of New Britain, this contract determines which hospitals you can use without paying full price, which pharmacies fill your prescriptions at a reduced cost, and how much you’ll owe if a serious illness or injury occurs.

New Britain’s demographics make this especially relevant. With approximately 10,200 residents aged 65 and older, a substantial portion of the population is approaching or already in Medicare territory — but everyone under 65 who isn’t covered by an employer, Medicaid, or another public program needs to arrange private health insurance. Even for younger, healthier residents, going uninsured in Connecticut carries meaningful financial risk: a single emergency room visit at The Hospital of Central Connecticut can generate bills in the thousands of dollars before any negotiated rates are applied.

Health insurance also functions as a gateway to preventive care. Routine physicals, screenings, and vaccinations — covered at 100% under ACA-compliant plans — are far easier to access consistently when you’re insured. For a city with a dense network of CVS Pharmacy and Walgreens locations across ZIP codes 06050, 06051, 06052, and 06053, having prescription drug coverage integrated into your health plan means those pharmacies become affordable resources rather than out-of-pocket expenses.

Types of Health Insurance Available in New Britain

New Britain residents can access several distinct categories of health coverage, each designed for a different situation. Understanding what each one is — and who it’s for — is the first step toward making a sound decision.

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

The Affordable Care Act created a standardized marketplace where individuals and families can purchase regulated health insurance. In Connecticut, this marketplace is operated by Access Health CT (accesshealthct.com). All plans sold on the marketplace are guaranteed-issue — meaning carriers cannot deny you or charge you more because of a pre-existing condition — and must cover the ten essential health benefits, including emergency services, hospitalization, maternity care, mental health services, and prescription drugs.

Plans are organized into four metal tiers based on how costs are shared between you and the insurer:

• Bronze: Lowest premiums, highest out-of-pocket costs. Best suited for healthy individuals who want protection against catastrophic events but expect few routine medical expenses.
• Silver: Moderate premiums and cost-sharing. The only tier eligible for cost-sharing reductions (CSRs), which can dramatically lower your deductible and out-of-pocket maximum if your income qualifies. The most strategically important tier for many New Britain households.
• Gold: Higher premiums, lower out-of-pocket costs. A good fit for people who use healthcare regularly and want predictable costs.
• Platinum: Highest premiums, lowest cost-sharing. Makes financial sense primarily for people with significant, ongoing medical needs.

Short-Term Health Plans

Short-term health insurance provides temporary coverage, typically for periods ranging from 30 days to 364 days, for people in coverage gaps — between jobs, waiting for employer benefits to begin, or in similar transitional situations. These plans are not ACA-compliant: they can exclude pre-existing conditions, cap benefits, and don’t cover the essential health benefits. Connecticut has additional state-level regulations on short-term plans, so it’s important to understand exactly what you’re purchasing.

Catastrophic Coverage

Catastrophic plans are available only to individuals under age 30, or to people of any age who qualify for a hardship or affordability exemption. They carry very low premiums but extremely high deductibles — typically equal to the annual out-of-pocket maximum limit. They cover three primary care visits per year before the deductible, plus preventive care. For a healthy 25-year-old in New Britain who mainly wants protection against a worst-case medical event, this can be a cost-effective choice.

COBRA Continuation Coverage

If you lose job-based health insurance — through a layoff, a reduction in hours, or leaving an employer — COBRA allows you to continue your existing employer plan for up to 18 months (or longer in some circumstances). The coverage is identical to what you had, which is its main advantage. The disadvantage is cost: you now pay both the employee and employer share of the premium, plus a 2% administrative fee, which often makes COBRA significantly more expensive than a subsidized ACA plan for the same period of coverage.

Medicaid / HUSKY Health (Connecticut)

Connecticut expanded Medicaid under the ACA, and the state’s program — called HUSKY Health — covers residents with incomes up to 138% of the federal poverty level (FPL). For a single adult in 2025, that threshold is approximately $20,780 per year. HUSKY covers children, pregnant women, adults, and individuals with disabilities under different program tracks. There is no open enrollment window for Medicaid: you can apply at any time and, if eligible, coverage can begin quickly. Applications are processed through Access Health CT or directly through the Connecticut Department of Social Services.

Employer Group Plans

Many New Britain residents receive health insurance through an employer. Group plans typically offer lower premiums than individual market plans because the risk is spread across a workforce and employers subsidize part of the premium. If your employer offers coverage that meets the ACA’s affordability and minimum value standards, you generally cannot receive premium tax credits for a Marketplace plan, even if the employer plan is expensive relative to your income. Understanding whether your employer plan is truly the best option — or whether an individual plan makes more financial sense — sometimes requires a side-by-side comparison.

How Much Does Health Insurance Cost in New Britain?

Cost is the question on nearly everyone’s mind, and the honest answer is: it depends on several factors, but real numbers are available. Connecticut’s cost of living index of 96 means that everyday expenses in New Britain run slightly below the national average, yet health insurance premiums in Connecticut tend to track closer to national or slightly above-national averages because the state’s healthcare costs and regulatory environment are factors in rate-setting.

Key Factors That Affect Your Premium

• Age: Under ACA rules, insurers can charge older enrollees up to 3 times the premium of a younger enrollee. A 60-year-old will pay substantially more than a 30-year-old for the same plan.
• Household income: Advance Premium Tax Credits (APTC) are available to individuals and families earning between 100% and 400% of FPL — and in recent years, enhanced subsidies have extended meaningful credits to higher incomes as well. Many New Britain households, given the city’s median income profile, qualify for meaningful reductions.
• Tobacco use: ACA plans can charge tobacco users up to 50% more in some states, though Connecticut has its own rules on tobacco rating.
• Plan tier: As outlined above, Bronze costs less monthly but more when you use care; Gold costs more monthly but less per visit.
• Family size: Premiums are added per enrollee, though family plans have out-of-pocket maximum caps.

Typical Premium Ranges for New Britain Residents (2025 Estimates)

These are illustrative ranges for ACA Marketplace plans purchased through Access Health CT, before any premium tax credits are applied:

• Individual, age 30: Bronze approximately $220–$320/month; Silver approximately $290–$420/month; Gold approximately $370–$530/month
• Individual, age 45: Bronze approximately $330–$460/month; Silver approximately $430–$600/month; Gold approximately $540–$750/month
• Individual, age 60: Bronze approximately $560–$780/month; Silver approximately $720–$1,000/month; Gold approximately $900–$1,250/month
• Family of four, parents age 40: Silver approximately $1,200–$1,800/month before credits

After premium tax credits, many New Britain households find their net monthly premium is dramatically lower — sometimes under $100/month for a Silver plan if household income falls in the right range. With a median home price of $195,000, many residents are working families who fall squarely in the subsidy-eligible income brackets. Running a subsidy estimate through Access Health CT or with a licensed broker takes about 15 minutes and can reveal significant savings.

Deductibles and Out-of-Pocket Maximums

Your premium is only one part of your total cost. The deductible is the amount you pay for covered services before your insurance begins paying its share (except for preventive care and, on Silver plans with CSR, certain other services). The out-of-pocket maximum is the most you can be required to pay in a given year — after which the insurer covers 100% of in-network costs. For 2025 ACA plans, the federal out-of-pocket maximum cap is $9,450 for an individual and $18,900 for a family, though many plans set lower limits.

Cost-sharing reductions (CSRs), available only on Silver plans for households earning up to 250% FPL, can reduce a standard Silver plan’s deductible from several thousand dollars down to a few hundred — a meaningful difference for families managing healthcare costs against a New Britain household budget.

Connecticut-Specific Rules for Health Insurance

Connecticut has its own layer of consumer protections and regulatory requirements that go beyond federal ACA rules. Understanding these state-specific rules helps New Britain residents shop with confidence.

Access Health CT

Connecticut operates a state-based ACA marketplace called Access Health CT (accesshealthct.com). Unlike residents in states that use the federal HealthCare.gov platform, Connecticut residents must use Access Health CT to shop for ACA Marketplace plans and to access premium tax credits and cost-sharing reductions. The platform offers a plan comparison tool, subsidy calculator, and direct enrollment. Certified Enrollment Assisters and licensed brokers — like those at We Find Your Insurance — can also enroll clients through the platform at no additional cost to the consumer.

Open Enrollment and Special Enrollment Periods

Connecticut’s open enrollment window runs from November 1 through January 15. Plans selected by December 15 take effect January 1; plans selected between December 16 and January 15 take effect February 1. Outside of open enrollment, you can only enroll or change plans if you experience a qualifying life event that triggers a Special Enrollment Period (SEP). Qualifying events include:

• Loss of other health coverage (job loss, aging off a parent’s plan, loss of Medicaid eligibility)
• Marriage, divorce, or legal separation
• Birth, adoption, or placement of a child
• Moving to a new coverage area
• Release from incarceration
• Becoming a U.S. citizen

You generally have 60 days from the qualifying event to enroll. Missing this window can leave you without coverage for months, so acting promptly matters.

Connecticut Insurance Department

The Connecticut Insurance Department (CID) (ct.gov/cid) regulates all health insurance sold in the state. The CID licenses carriers and brokers, reviews and approves premium rates, investigates consumer complaints, and enforces state insurance laws. If you have a dispute with your insurer — a denied claim, a billing error, or a network dispute — the CID has a consumer affairs division that can assist. Residents can verify that a broker or agent is licensed through the CID’s online license lookup tool.

CT Life and Health Insurance Guaranty Association

The Connecticut Life and Health Insurance Guaranty Association provides a safety net if a licensed insurance company becomes insolvent and cannot meet its obligations. While this scenario is rare, it means that New Britain residents purchasing coverage from a CID-licensed carrier have a backstop: the Guaranty Association can cover claims and premiums up to statutory limits if a carrier fails. This is one reason purchasing coverage through a properly licensed carrier — rather than unlicensed or poorly-rated entities — matters for consumer protection.

HUSKY Health Medicaid Expansion

Connecticut expanded Medicaid under the ACA, extending HUSKY Health coverage to adults earning up to 138% of the federal poverty level. As of 2025, that is approximately $20,780 for a single adult and $35,632 for a family of three. Eligible residents pay no premiums and minimal or no cost-sharing for most services. Because HUSKY is not tied to open enrollment, New Britain residents who lose income or experience a change in household size can apply at any time and receive coverage relatively quickly.

New Britain Healthcare Landscape and Its Impact on Your Health Insurance

The quality and accessibility of your health insurance depends heavily on which providers are in your plan’s network. In New Britain, the dominant healthcare infrastructure is built around two major systems, and your plan’s network status with these systems directly affects your out-of-pocket costs and care options.

The Hospital of Central Connecticut

The Hospital of Central Connecticut (HOCC) is the primary hospital serving New Britain and the surrounding communities. With campuses in New Britain and New Britain’s neighboring city of Southington, HOCC is a full-service acute care hospital offering emergency services, surgical care, cardiovascular services, cancer care, orthopedics, maternity, and more. For New Britain residents, HOCC is the most accessible hospital for emergency and inpatient care, making in-network status with HOCC a critical factor when evaluating any health plan.

HOCC is part of the Hartford HealthCare network — one of Connecticut’s largest integrated health systems, which also includes Hartford Hospital, MidState Medical Center, and an extensive network of outpatient practices, urgent care centers, and specialty offices throughout Hartford County. Most major carriers active in Connecticut maintain contracts with Hartford HealthCare, but the tier of coverage (whether HOCC is treated as a standard in-network facility versus a preferred or tiered facility) can vary by plan. A Gold plan with higher network tiers might deliver better value for someone who uses HOCC regularly than a cheaper Bronze plan that places HOCC in a less-favorable cost-sharing tier.

Pharmacies and Prescription Drug Coverage

New Britain is well-served by retail pharmacy chains. CVS Pharmacy operates six or more locations in and around the city, and Walgreens maintains four or more locations in the coverage area. Rite Aid also has a presence in the New Britain market. When comparing health plans, pay attention to the pharmacy network and formulary (the list of covered drugs). Most ACA plans include preferred pharmacy networks where your copays and coinsurance are lowest. Confirming that your preferred CVS or Walgreens branch is in-network for your plan is a straightforward step that can save meaningful money on maintenance medications over the course of a year.

Nearby Healthcare Access

New Britain’s central location in Hartford County means residents also have reasonable access to facilities in Berlin, Plainville, Farmington, Newington, and Southington — all neighboring cities. MidState Medical Center in Meriden is a short drive south. The University of Connecticut Health Center (UConn Health) in Farmington provides academic medical center services, including specialty and sub-specialty care. Residents who rely on specialists at UConn Health or other Farmington-area providers should verify that their plan’s network includes those facilities before enrolling.

How to Get Health Insurance in New Britain: Step-by-Step

The enrollment process is more straightforward than many people expect, especially with a licensed broker guiding you through it. Here is a practical, sequential guide.

1. Determine your enrollment window. If it’s between November 1 and January 15, you’re in open enrollment and can choose any plan on Access Health CT. If it’s outside that window, identify whether you have a qualifying life event that triggers a Special Enrollment Period. If you think you may qualify for HUSKY Medicaid, you can apply at any time regardless of enrollment windows.
2. Gather your documents. You’ll need: proof of identity (driver’s license, passport, or state ID); Social Security numbers for all household members enrolling; proof of Connecticut residency (utility bill, lease, or bank statement with New Britain address and ZIP code); estimated household income for the coverage year (pay stubs, prior year tax return, or employer letter); and, if applicable, documentation of a qualifying life event (termination letter, birth certificate, marriage certificate).
3. Estimate your income and calculate potential subsidies. Use the Access Health CT subsidy calculator at accesshealthct.com, or work with a licensed broker who can run the numbers for your specific household. Be careful to estimate your income accurately — underestimating can result in a repayment obligation at tax time; overestimating leaves money on the table.
4. Compare available plans. Filter by your preferred providers — confirm that The Hospital of Central Connecticut and your primary care physician are in-network. Review the formulary for any prescription medications you take regularly. Compare not just premiums but total estimated costs: add your annual premium to a realistic estimate of out-of-pocket spending based on how frequently you use healthcare.
5. Enroll through Access Health CT or a licensed broker. You can enroll directly at accesshealthct.com or through a certified enrollment assister or licensed broker. Using a broker costs you nothing extra — brokers are compensated by the carriers — and a good broker can help identify plans you might otherwise overlook and flag potential issues before enrollment.
6. Pay your first premium. Enrollment is not complete until you pay your first month’s premium. Most carriers allow payment online, by phone, or by mail. Confirm the payment deadline with your carrier; missing it can result in your coverage never taking effect.
7. Confirm your coverage and establish care. Once enrolled, confirm your member ID and effective date with the carrier. Schedule your annual preventive care visit — covered at 100% under ACA plans — and establish a primary care relationship. Make sure your pharmacy on file matches a preferred in-network location.

Key Dates to Remember:

• November 1: Open enrollment begins
• December 15: Enrollment deadline for January 1 effective date
• January 15: Open enrollment closes (February 1 effective date)
• 60 days: Window to enroll after a qualifying life event
• 60 days: Window to elect COBRA after losing employer coverage

Comparing Health Insurance Providers in New Britain

Several major carriers offer plans to New Britain residents through Access Health CT and the individual/group markets. Each has different network configurations, premium structures, and customer service reputations. Below is an objective overview to help you frame comparisons — a licensed broker can pull current plan details and pricing for your specific situation.

HMO vs. PPO vs. EPO: Network Types Explained

The network type on your plan affects how you access care and what you pay outside the network:

• HMO (Health Maintenance Organization): Requires you to select a primary care physician (PCP) who coordinates your care and provides referrals to specialists. Generally lower premiums and more predictable costs, but no out-of-network coverage except emergencies. For New Britain residents who have or can establish a PCP within the HMO network, this structure works well.
• PPO (Preferred Provider Organization): No PCP requirement; you can see any in-network specialist directly. Also offers some coverage for out-of-network providers, at higher cost-sharing. Greater flexibility, typically higher premiums.
• EPO (Exclusive Provider Organization): Like an HMO in that there is typically no out-of-network coverage (except emergencies), but like a PPO in that you usually don’t need a PCP referral to see specialists. Moderate premiums.

For most New Britain residents whose primary care and hospital needs are centered around The Hospital of Central Connecticut and Hartford HealthCare-affiliated providers, an HMO or EPO can deliver good value without sacrificing access to the providers you’re most likely to use.

New Britain Neighborhoods and ZIP Code Coverage

New Britain’s health insurance market covers all four ZIP codes: 06050, 06051, 06052, and 06053. All ACA plans sold through Access Health CT use your ZIP code as one of the rating factors when calculating your premium (along with age, tobacco use, and household income). The four New Britain ZIP codes are treated within the same Hartford County rating region, so plan availability and pricing are consistent across the city.

New Britain’s neighborhoods each have their own character, and residents across the city have access to the same plan options:

• Downtown (06050, 06051): The urban core, with dense housing and a mix of renters and homeowners. Many Downtown residents are younger or working families who may qualify for premium tax credits or HUSKY. Proximity to clinical offices affiliated with Hartford HealthCare is a practical benefit.
• East Side (06051, 06052): A residential neighborhood where many families are evaluating employer coverage alongside Marketplace options. The East Side’s working-family demographics align well with Silver plan + CSR combinations for households in the 200–250% FPL range.
• Shuttle Meadow (06053): A quieter residential area on the city’s western edge. Residents in 06053 have good access to Berlin and Plainville providers, making network coverage in neighboring towns a relevant factor when comparing plans.
• Stanley Quarter (06052): A mixed residential area. Proximity to Stanley Quarter Park and the surrounding neighborhood means many residents are active families — a good candidate for lower-premium Bronze or Silver plans with strong preventive care benefits.
• West End (06052, 06053): Borders Newington and has good highway access to Hartford-area providers. West End residents who work in Hartford often have employer coverage to evaluate against Marketplace alternatives.
• South Side (06051, 06052): A working-class neighborhood where cost-sensitive plan selection matters most. Silver plans with CSRs can dramatically reduce deductibles for South Side households with incomes in the lower-middle range.

Residents in neighboring cities — Berlin, Plainville, Farmington, Newington, and Southington — shop through the same Access Health CT platform and access most of the same carriers, though their exact premium may differ slightly due to ZIP code rating. If you’re near a border between New Britain and a neighboring town, confirm your coverage address matches your correct ZIP code when enrolling.

Frequently Asked Questions — Health Insurance in New Britain

What is the income limit to qualify for subsidies on a New Britain health insurance plan?

There is no strict upper income cutoff for premium tax credits under current law — subsidies phase out gradually as income rises, and many middle-income households still receive some credit. The most significant credits apply to households earning between 100% and 400% of the federal poverty level, and cost-sharing reductions (which reduce your deductible and out-of-pocket costs) are available only to Silver plan enrollees earning up to 250% FPL. For a single person, 138% FPL is approximately $20,780 (HUSKY Medicaid threshold), 250% FPL is approximately $37,650, and 400% FPL is approximately $60,240, all based on 2025 federal poverty guidelines. Households above these levels may still receive premium tax credits depending on the cost of benchmark plans in their area relative to their income.

Can I use The Hospital of Central Connecticut with any health insurance plan?

No — you can only use The Hospital of Central Connecticut at in-network rates if your plan’s network includes HOCC; otherwise, you will pay out-of-network costs, which can be substantially higher. HOCC is part of the Hartford HealthCare system, and most major carriers active in Connecticut — including Anthem BCBS, ConnectiCare, and Aetna — maintain in-network contracts with Hartford HealthCare, but you should verify the specific plan and network tier before enrolling. Emergency care is covered regardless of network status under ACA rules, though cost-sharing may still apply.

When is open enrollment for health insurance in Connecticut?

Connecticut’s open enrollment period for ACA Marketplace plans runs from November 1 through January 15. To have coverage begin on January 1, you must enroll by December 15; enrollments completed between December 16 and January 15 take effect February 1. Outside of this window, you can only enroll if you experience a qualifying life event that triggers a Special Enrollment Period. HUSKY Health Medicaid has no enrollment window — you can apply at any time through Access Health CT.

What is the difference between a deductible and an out-of-pocket maximum?

Your deductible is the amount you must pay out of pocket for covered services before your insurance starts paying its share; your out-of-pocket maximum is the most you can be required to pay in a plan year, after which the insurer covers 100% of in-network costs. For example, a Silver plan might have a $2,000 deductible and a $6,000 out-of-pocket maximum — you pay the first $2,000 in eligible costs yourself, then share costs with the insurer until you’ve paid a total of $6,000, after which the insurer covers everything. Preventive care services are covered at 100% without applying the deductible on ACA-compliant plans.

I just lost my job in New Britain. What are my health insurance options?

Losing job-based coverage is a qualifying life event that opens a Special Enrollment Period, giving you 60 days to enroll in a new plan. Your main options are: (1) elect COBRA continuation of your former employer’s plan, which preserves your exact coverage but requires you to pay the full premium plus up to 2%; (2) enroll in an ACA Marketplace plan through Access Health CT, where you may qualify for premium tax credits based on your new, lower income; or (3) apply for HUSKY Health Medicaid if your income has dropped to or below 138% FPL. For many people who have just lost income, a subsidized Marketplace plan or Medicaid is significantly more affordable than COBRA — a broker can run a comparison for your specific situation.

Does Connecticut require residents to have health insurance?

Connecticut does not currently have a state individual mandate with a financial penalty, and the federal individual mandate penalty was effectively eliminated starting in 2019. However, going uninsured carries significant financial risk — a single hospitalization or serious diagnosis can result in medical bills that far exceed a year’s worth of insurance premiums. The absence of a penalty does not change the practical reality that health insurance provides meaningful financial protection and access to more affordable preventive care.

How do I verify that a health insurance broker in New Britain is licensed?

You can verify any Connecticut insurance broker’s license through the Connecticut Insurance Department’s online license lookup tool at ct.gov/cid. A licensed health insurance broker in Connecticut holds a valid license issued by the CID and must complete ongoing continuing education requirements to maintain it. When working with a broker, ask for their license number — for example, Joseph Antonucci at We Find Your Insurance holds CT License #21658409 — and verify it independently if you choose.

Are prescription drugs covered under health insurance plans in Connecticut?

Yes — prescription drug coverage is one of the ten essential health benefits that all ACA-compliant plans must include. However, the specifics vary by plan: each plan has a formulary (list of covered drugs), and drugs are grouped into cost-sharing tiers (generic, preferred brand, non-preferred brand, specialty). New Britain residents who take regular medications should check that their drugs are on a plan’s formulary before enrolling, and should confirm that their preferred CVS Pharmacy, Walgreens, or Rite Aid location is in the plan’s preferred pharmacy network to access the lowest cost-sharing tiers.

What is a Special Enrollment Period and what qualifies?

A Special Enrollment Period (SEP) is a window outside of open enrollment during which you are permitted to enroll in or change a health insurance plan on the ACA Marketplace. You generally have 60 days from a qualifying life event to use your SEP. Qualifying events include: losing other health coverage (job loss, aging off a parent’s plan, loss of Medicaid eligibility), getting married or divorced, having or adopting a child, moving to a new address with different plan options, being released from incarceration, and gaining U.S. citizenship. Documenting your qualifying event is important — Access Health CT or your broker will request supporting documentation when processing a SEP enrollment.

Is there any assistance for New Britain residents who can’t afford health insurance at all?

Yes — several resources exist for residents who struggle to afford coverage. HUSKY Health Medicaid covers adults at no or minimal cost for those earning up to 138% FPL, and HUSKY covers children at higher income levels. The premium tax credits and cost-sharing reductions available on Access Health CT can make Silver plans genuinely affordable for many households. Additionally, community health centers in Hartford County offer sliding-scale fee services to uninsured and underinsured residents regardless of ability to pay. A licensed broker can help you identify every program you might qualify for at no charge to you.

If you’re ready to compare plans, check your subsidy eligibility, or simply want a clear explanation of your options, Joseph Antonucci at We Find Your Insurance is a Connecticut-licensed health insurance broker serving New Britain and all surrounding communities in Hartford County. Working with a licensed broker costs you nothing extra — broker compensation is paid by carriers — and an experienced broker can save you time, help you avoid costly enrollment mistakes, and make sure you’re not leaving premium tax credits or cost-sharing reductions on the table. Call Joseph directly at (860) 351-0514 for a free, no-obligation consultation. CT License #21658409. We Find Your Insurance — helping New Britain residents find the right coverage at the right price.