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The chart below describes ranges of premium and out-of-pocket costs for plans in each level.


Metal level Premiums Out-of-pocket costs Plan pays*
Gold plans Higher Lower 80%
Silver plans Moderate Moderate 70%
Bronze plans Lowest Highest 60%
*Average amount plan pays for covered services.

As you review our plans below, here are some important terms to know:
POS - Plans with POS ("Point-of service") in their name means you'll be able to visit out-of-network doctors, but you'll generally pay more.
HSA - This stands for "health savings account". HSA-compatible plans allow you to save money tax-free to use for qualified health care expenses.

2020 PASSAGE PLAN

Metal level Plan name Individual & family
in-network deductibles
In-network PCP
visit cost share
Bronze Passage Bronze
Alternative PCP POS
$6,500/$13,000* $0 copay
(deductible waived)

*Integrated medical and prescription drug deductible.

2020 CHOICE PLANS

Metal level Plan name Individual & family
in-network deductibles
In-network PCP
visit cost share
Gold Choice Gold
Standard POS
$1,300/$2,600 $20 copay
(deductible waived)
Gold Choice Gold Alternative
POS with Dental
$3,750/$7,500 At a Sanitas Medical Center:
$0 (deductible waived)
For all other primary care:
$40 copay (deductible waived)
Silver Choice Silver
Standard POS (CSR 94%)***
$0 $10 copay
Silver Choice Silver
Standard POS (CSR 87%)***
$650/$1,300 $20 copay
(deductible waived)
Silver Choice Silver
Standard POS (CSR 73%)***
$3,950/$7,900 $40 copay
(deductible waived)
Silver Choice Silver
Standard POS
$4,300/$8,600 $40 copay
(deductible waived)
Bronze Choice Bronze
Alternative POS
with Dental
$5,400/$10,800** At a Sanitas Medical Center:
$0 (deductible waived)
For all other primary care:
$40 copay (deductible waived)
Bronze Choice Bronze
Standard POS HSA
$5,685/$11,370** 10% coinsurance after deductible
Bronze Choice Bronze
Standard POS
$6,200/$12,400** $40 copay
(deductible waived)
N/A Choice Catastrophic POS* $8,150/$16,300** $30 copay per visit for the first 3 visits.
Deductible applies for additional visits.
$0 after deductible.

*Catastrophic plans are only available to people under age 30, or people 30 and older who qualify for a hardship/affordability exemption.

**Integrated medical and prescription drug deductible.

***Available for individuals and families up to 250% Federal of the Poverty Level. Cost Sharing Reduction (CSR) plans are only available through Access Health CT, and enrollment is limited to those individuals with qualifying income levels based on income and household size. Please visit accesshealthct.com to find out if you are eligible to enroll in a Cost Sharing Reduction Plan, which can reduce the amount you have to pay out of pocket for essential health benefits.

Standard plans are the same for all carriers to easily compare options across carriers.

Notice of Rate Justification

For ConnectiCare plans offered through Access Health CT, coverage is underwritten by ConnectiCare Benefits, Inc. only, not by Access Health CT.

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