Expert insurance guides for Connecticut residents — life, health, Medicare, annuities, and more.
ACA open enrollment for 2026 coverage ran November 1, 2025 through January 15, 2026 in Connecticut. This guide covers every key date, what changed from 2025 to 2026, how subsidies work, and what Connecticut residents should do if they missed the deadline.
Federal and Connecticut law require health insurance plans to cover mental health and substance use disorder treatment at parity with physical health. In 2026, new federal NQTL rules and CT Public Act 23-97 strengthen consumer rights. Here
Short-term limited-duration insurance (STLDI) returned to a 4-month federal cap in 2024 and remains capped in 2026. In Connecticut, short-term plans skip ACA protections — no pre-existing condition coverage, no essential health benefits, no mental health parity. Here
Darien claims distinction as Connecticut
Medicare is federal age-based health insurance for Americans 65+ (and certain younger people with disabilities or ESRD), funded by payroll taxes you paid your entire working life. Medicaid — called HUSKY in Connecticut — is a joint federal/state needs-based program for low-income residents of any age, funded by general tax revenue. Medicare is portable across all 50 states and pays providers a single national fee schedule; HUSKY only works in Connecticut and pays substantially less than Medicare. Most Connecticut seniors will use Medicare; those with very low income and few assets may qualify for both (called
Corporate executive age 48 earning $225,000 Travelers Insurance VP plus spouse age 46 healthcare administrator $95,000 combined $320,000 household income supporting upscale Blue Back Square lifestyle requires comprehensive $3M-$5M multi-million dollar life insurance protection.
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