Connecticut Health Insurance Premium Increases for 2026

Residents in Connecticut who buy health insurance via the state’s Affordable Care Act Market, Access Health CT, have been voicing their concerns through open letters about notable premium hikes anticipated for 2026.

On Monday, state officials attributed this increase to ongoing congestion in Washington.

This price surge comes as federal subsidies, which have helped decrease monthly premiums since the COVID-19 pandemic, are scheduled to end after 2025.

So far, lawmakers have not reached a consensus on extending these subsidies. This uncertainty is contributing to discussions around a potential government shutdown.

For some families, without these subsidies, costs could skyrocket. James Michel, CEO of Access Health CT, highlighted this concern during a press conference. He provided a couple of examples:

Example 1:

• A couple in their 50s residing in East Hartford with an annual income of $95,000.
• Premium for 2025: $670 per month
• Projected premium in 2026 without enhanced subsidies: $2,608 per month, marking a nearly 300% increase.

Example 2:

• A family from Milford, who preferred not to disclose their ages or income.
• Premium for 2025: $921 per month
• Projected premium in 2026 without enhanced subsidies: $2,882 per month.

Public enrollment for 2026 insurance is scheduled to start on November 1st and will continue until January 15th. However, officials are advising residents to hold off on registering.

Michel expressed a wish for more time, mentioning that ongoing negotiations in Washington could affect future costs and options.

“If Congress doesn’t act, there will be real consequences for people in Connecticut who could see higher health insurance premiums,” he stated.

Governor Ned Lamont, who was present at the conference, criticized the situation as “a really stupid policy” stemming from Washington, calling it a significant burden for middle-class families.

Lamont pointed out that the problem would impact all residents, not just those utilizing the state’s ACA marketplace. He warned that if more individuals drop their insurance due to rising costs, hospitals could face increased uncompensated care, which might lead to higher health costs for everyone over time.

On the other hand, Republican House Minority Leader Vincent Candelora remarked that residents should have anticipated the subsidy expiration. He emphasized that while subsidies do need attention, companies should not be continuously supported if they are profitable.

Candelora labeled the situation a “complete failure at the federal level,” urging both Republicans and Democrats to come together to explore solutions.