Connecticut health-insurance questions blend national medical-plan design with a layer of Connecticut-specific continuation, conversion, and mandated-benefit rules. This guide reviews the building blocks every health agent needs—plan types and cost-sharing—then makes the Connecticut overlay the spine: the state's group continuation, the conversion privilege, Medicaid through HUSKY Health, the Access Health CT marketplace, and the policy provisions the Connecticut Insurance Department enforces.

The national base: types of medical plans

Most health questions begin with how a plan balances cost, choice, and network:

• Indemnity / fee-for-service — pays a share of covered charges with broad provider choice; now uncommon.
• HMO (Health Maintenance Organization) — lowest cost, network-only care through a primary care physician (PCP) with referrals to specialists.
• PPO (Preferred Provider Organization) — a network with lower in-network cost but out-of-network access, usually without referrals.
• EPO (Exclusive Provider Organization) — network-only like an HMO but typically no PCP/referral requirement.
• POS (Point of Service) — a hybrid using a PCP gatekeeper like an HMO while allowing out-of-network care like a PPO.

Universal cost-sharing terms apply across all designs: the premium (what you pay to have coverage), the deductible (paid before the plan shares), the copay (a flat per-visit charge), coinsurance (a percentage split after the deductible), and the out-of-pocket (OOP) maximum (the annual cap after which the plan pays 100% of covered, in-network care). A high-deductible health plan (HDHP) paired with a health savings account (HSA) lets enrollees save pre-tax dollars for medical costs. Coverage is also sold group (employer-sponsored, lower cost, limited or no individual underwriting) versus individual (bought directly, now guaranteed issue under federal law).

The ACA floor (federal minimums)

The Affordable Care Act sets a national floor every Connecticut plan must meet:

• Guaranteed issue — insurers cannot decline an applicant for health reasons.
• No health rating — premiums vary only by age, geography, tobacco use, and family size, not health status.
• Pre-existing conditions covered — no exclusions or waiting periods for prior conditions.
• Essential health benefits — ten required categories (e.g., hospitalization, maternity, prescriptions, mental health, preventive care).
• Dependents to age 26 — adult children may stay on a parent's plan.

Connecticut builds on top of this floor; it does not subtract from it.

Connecticut mandated benefits

Like every state, Connecticut requires insured (non-self-funded) health plans to include certain state-mandated benefits that often exceed the federal minimum. Treat these by category rather than memorizing dollar caps, which change:

• Mental health and substance use coverage consistent with parity rules.
• Mammography and other cancer screenings; childhood immunizations.
• Maternity and newborn care, including minimum post-delivery stays.
• Diabetes self-management, supplies, and education.
• Autism spectrum disorder treatment and other condition-specific mandates, subject to statutory terms.

Self-funded ERISA plans are generally exempt from state mandates—a common exam distinction.

Connecticut group continuation and "mini-COBRA"

Federal COBRA applies to employers with 20 or more employees and allows continuation generally up to 18 months (or 36 months for certain events such as divorce, death, or a dependent aging out). Connecticut fills the gap below the federal threshold with its own group continuation law, often called "mini-COBRA":

• Who: employees of small employers (commonly under 20) who are not covered by federal COBRA—verify the current size threshold.
• How long: Connecticut continuation runs for a limited period; durations are set by statute and have been adjusted over time, so verify the current maximum.
• Cost: the participant generally pays the full premium themselves (often plus a small administrative percentage).
• Notice/election: the employee must elect within the statutory window after notice of the right.

The exam loves the size split: 20+ employees → federal COBRA; smaller employers → Connecticut state continuation.

Conversion privilege

Separate from continuation, Connecticut group health coverage generally carries a conversion privilege. When group coverage (or continuation) ends, the insured may convert to an individual policy on a guaranteed-issue basis—without new evidence of insurability. Conversion coverage may offer narrower benefits, but it preserves access. On the exam, distinguish continuation (keeping the same group plan temporarily) from conversion (moving to an individual policy).

Connecticut Medicaid and the ACA marketplace

• Medicaid in Connecticut is delivered through HUSKY Health and administered by the Department of Social Services (DSS)—the income- and needs-based public program (distinct from Medicare). DSS, not the Insurance Department, runs Medicaid.
• The ACA marketplace is Access Health CT, Connecticut's state-based exchange, where residents shop for individual and small-group coverage and apply for subsidies.

Required policy provisions and timelines

The Connecticut Insurance Department enforces standard health-policy provisions, including:

• Grace period — extra time to pay a late premium before the policy lapses (length varies by payment mode).
• Free look — a window (commonly about 10 days for health policies) to return the policy for a full refund; verify the exact figure.
• Incontestability — after the policy has been in force 2 years, the insurer generally cannot contest it for misstatements (except fraud, per policy terms).
• Outline of coverage — many individual health applicants must receive an outline summarizing benefits and limitations before buying.
• Prompt-pay — insurers must pay clean claims within set timeframes or owe interest.

Key Connecticut numbers to memorize

Common exam traps

• Confusing COBRA and state continuation. Federal COBRA = 20+ employees; Connecticut continuation reaches smaller employers (commonly under 20—verify).
• Mixing up continuation and conversion. Continuation keeps the group plan temporarily; conversion moves to an individual policy with no new evidence of insurability.
• Sending Medicaid questions to the Insurance Department. Connecticut Medicaid is HUSKY Health, run by DSS.
• Assuming the ACA floor can be undercut. Guaranteed issue, no health rating, and pre-existing coverage are federal minimums Connecticut cannot reduce.
• Asserting exact mandate caps or durations. Treat figures as statutory and subject to change—hedge.
• Forgetting self-funded ERISA plans are usually exempt from state mandates.

Quick recap

Connecticut medical-plan questions start with national design—HMO, PPO, EPO, POS, and indemnity—and the universal cost-sharing terms (premium, deductible, copay, coinsurance, OOP max), plus the ACA floor: guaranteed issue, no health rating, pre-existing coverage, essential health benefits, and dependents to age 26. The Connecticut overlay is the spine: state continuation ("mini-COBRA") for smaller employers (where federal COBRA's 20+ rule does not reach), a conversion privilege to individual coverage on a guaranteed-issue basis, Medicaid through HUSKY Health (DSS), and the Access Health CT marketplace. Round it out with required provisions the Insurance Department enforces—grace period, ~10-day free look, 2-year incontestability, outline of coverage, and prompt-pay—and verify any specific number, and the Connecticut health section becomes manageable.