Connecticut is a state which allows Medical underwriting on Health Insurance plans. As a result, you can apply for an individual health insurance plan in Connecticut with a number of companies. Current carriers offering individual health in Connecticut include…
Aetna
Anthem BlueCross Blue Shield
United Healthcare “Golden Rule”
Connecticare
Celtic Health
Assurant Health
The general public tends to believe that group insurance costs less than individual insurance but that is not true. Individual health insurance is actually much less expensive than group insurance. Individual insurance can cost 10% to 40% less than group insurance depending on age.
The key with individual insurance is passing medical underwriting in order to get the policy in the first place. Once the policy is obtained, it CAN NOT be canceled regardless of future health. The degree/amount of underwriting done depends on the company doing the underwriting.
There are a number of things to know when applying for an individual plan. For additional information, you may call Ed Crowe at 203-796-5403 (office), 860-992-4494 (Cell) or email Edward@Croweandassociates.com