When we use the term "individual health insurance", we use that term to differentiate between a medical plan sold as part of an employee benefit plan, and one sold to an individual and which is not tied to employment. Even in the case where a family purchases an individual health plan, it is still referred to as an individual health insurance policy, as opposed to a "group health insurance" plan. Remember it this way: If there is a "company" or "group" or "employer" application as part of the enrollment process, it is a group plan. The plan is designed to cover a company or group, as opposed to individual health insurance which covers an individual and his or her family.

In the State of Connecticut individual health plans and group health plans differ mostly in their underwriting guidelines and the actual level of benefits provided in the plan. Any self employed person in Connecticut can obtain a state mandated small group health insurance plan, regardless of any pre-existing health conditions. If the company has two or more employees who work at least 30 hours per week, they are eligible for mostly any small group plan available to connecticut employer groups. But that one person company (the self-employed in most cases) may be limited to the State of Connecticut's mandatory health plan (also called the Blue Ribbon plans). The statutory plan has some limits that most small group health plans do not have, such as a limit on how much the insurer will pay for out patient prescription drugs. But a relatively healthy one person group (self-employed) can also qualify for all the other small group plans available to employer groups of 1-50.

This site deals strictly with individual health insurance plans sold in Connecticut, as well as Health Savings Account information. There are currently seven different individual health insurance providers that sell policies in Connecticut. Click on the Carriers to the left to see what benefits they offer, and at what price. Or call us at 1-800-289-8376 for personal assistance.