I am worried about making my insurance premium payments. What are my options?

On April 1, 2020, Governor Lamont announced a 60-day grace period for premium payments, policy cancellations, and non-renewals of insurance policies for individuals that sustained a financial loss as a result of COVID-19. 

From April 1, 2020, to June 1, 2020, no insurer is allowed to lapse, terminate, or forfeit a covered insurance policy because a policyholder does not pay a premium. This includes any insurance companies regulated by the Connecticut Insurance Department that provide any insurance coverage in Connecticut for life, health, auto, property, casualty, and other types of insurance. 

Please note:

• Eligible Individuals: Those that have individual insurance policies who, as a result of the COVID-19 pandemic, were laid off, furloughed, or fired from employment or otherwise sustained a significant loss in revenue.

• Businesses: Insurers shall provide such 60-day grace period to businesses that are group policyholders, have group insurance and/or have property/casualty insurance that were required to close or significantly reduce operations or suffered significant revenue loss as a result of the COVID-19 pandemic.

• Not Automatic: To be eligible, affected policyholders must provide the information outlined above in an affidavit or other statement acceptable to their insurance carriers.

• Not a Waiver or Forgiveness: This policy is only an extension of time in which to pay premiums, it in no way waives or forgives the premium.

Deadlines approaching for residents who lost health insurance due to job loss to qualify for coverage through Access Health CT

• Connecticut residents who may have lost their jobs from a furlough or layoff within the last two months must act quickly if they would like to enroll in health care coverage through Access Health CT, the state’s health insurance marketplace.
• In general, people who lost health insurance due to a job loss have 60 days to apply for coverage through Access Health CT, as that job loss is considered a “Qualifying Life Event.” This means that the deadline to enroll for anyone who lost their jobs in April is approaching fast.
• To help residents maintain qualify and affordable health care coverage, Access Health CT recommends comparing options on Accesshealthct.com to COBRA coverage, as the marketplace may offer a better, less expensive choice, and is the only place where people can qualify for financial help to lower their costs.
• Access Health CT is working closely with the Connecticut Department of Labor and other entities to reach out to businesses that are in the process of reducing their workforce.

For more information, please visit the updated insurance information page here.