Medicaid eligibility and enrollment in Connecticut

To apply for HUSKY A, B, or D:

• Online at www.accesshealthct.com, under Get Health Coverage
• By mail: call 1-877-284-8759 to have an application mailed to you
• By phone at 1-855-805- 4325 (Access Health CT call center)

To apply for HUSKY C and Medicaid for Employees with Disabilities:

• Online at www.connect.ct.gov, under Apply for Benefits
• By mail: print an application in English or Spanish and mail it to DSS ConneCT Scanning Center, P.O. Box 1320, Manchester, Connecticut 06045-1320. For help completing the form, call 1-855-626-6632.
• For long-term care benefits, complete an application in English or Spanish and submit it to the Long-Term Care Application Center for your county.

Many Medicare beneficiaries receive Medicaid financial assistance that can help them with Medicare premiums, lower prescription drug costs, and pay for expenses not covered by Medicare – including long-term care.

Our guide to financial assistance for Medicare enrollees in Connecticut includes overviews of these programs, including Medicaid long-term care benefits, Extra Help, and eligibility guidelines for assistance.

After being paused for three years due to the pandemic, Medicaid disenrollments resumed in Connecticut at the end of April 2023. According to Connecticut data, more than 176,000 people had been disenrolled from Medicaid by December 2023.⁶ Most of those disenrollments — more than 132,000 — were procedural, meaning that the state didn’t have enough information to determine whether the person was still eligible.

Connecticut had reported in 2022 that roughly 42% of its MAGI-based Medicaid population was covered under the pandemic-related continuous coverage rules, meaning that their coverage had been extended beyond its normal renewal date due at some point since March 2020. (MAGI-based means eligibility based solely on income, which includes adults under 65, children, and pregnant women).

Connecticut has been using a time-based approach to processing the renewals, meaning that they began the process by conducting renewals that had been pending for the longest time and are working their way forward, spreading this out as evenly as possible over the 12-month “unwinding” period.

HUSKY Health enrollees should make sure that the Medicaid office has their current contact information, and should respond promptly to any requests for updated information.

People who are disenrolled from HUSKY can transition to an employer’s plan, if available (the deadline to enroll is 60 days after Medicaid terminates), or to a policy offered through Access Health CT, the state-run health insurance Marketplace (the deadline to enroll is 120 days after your HUSKY coverage ends;⁷ this is specific to Connecticut, as other states can have shorter enrollment windows).

Through November 2023, CMS reported that 10,630 Connecticut residents had transitioned from HUSKY to an Access Health CT plan by that point in the unwinding period.⁸

In 2014, childless adults became eligible for Medicaid coverage (HUSKY D) as a result of the ACA’s expansion of Medicaid. The federal government initially paid the full cost for this newly-eligible population, although the states began paying a portion of the cost in 2017, and now pay 10% of the cost (the 90/10 federal/state funding split will remain in place going forward). This program — Medicaid expansion under the ACA — is not changing.

But HUSKY A eligibility guidelines have changed for parents with dependent children. In an effort to trim costs, the state reduced the upper income limit for HUSKY A (only for parents) from 201% of the poverty level to 155% of the poverty level (effectively 160%, with the 5% income disregard). For new enrollees, the change was effective August 1, 2015. For existing enrollees, the change became effective August 31, 2015 if they did not have earned income from a job. For those who did have earned income from a job, the new eligibility guidelines became effective August 1, 2016.

The state noted that parents who were dropped from the HUSKY A rolls had access to subsidized coverage through Access Health CT, but advocates pointed out that there are considerably higher out-of-pocket costs for private plans in the exchange than there are with Medicaid (Connecticut has since created a new state subsidy program that covers the premiums and out-of-pocket costs for marketplace coverage for adults with income up to 175% of the poverty level). The Connecticut Mirror reported that as of September 11, 2015, only 140 out of 800 people who had lost coverage at the end of August had enrolled in new coverage through Access Health CT.

In May 2016, Access Health CT, the state-run exchange, announced that they were partnering with other state agencies to reach out to people who were going to lose access to HUSKY A on August 1, in an effort to get them signed up for new coverage (including, in some cases, other “Medicaid-funded assistance”). About 14,000 people were slated to lose coverage as of August 1, and by mid-July, only about 26% of them had enrolled in plans through Access Health CT. As of 2018, the estimate was that roughly 80% of the people who lost HUSKY A coverage as a result of the lower income cap had ended up uninsured.

In 2017, legislation was enacted to again reduce the income cap for HUSKY A eligibility, to 138% of the poverty level (the same as the income cap for Medicaid eligibility for childless, non-elderly adults under the ACA’s Medicaid expansion). This change took effect in January 2018, but people with income from employment (ie, most enrollees) had one extra year of coverage, so the new rules weren’t slated to take effect for most enrollees until January 2019.

But in May 2018, the state enacted a budget that reversed the HUSKY A eligibility cuts. As of July 2018, the HUSKY A income cap for parents was restored to 155% of the poverty level (160% with the income disregard). Parents who had lost coverage as of January were eligible to re-enroll, although most parents had income from employment and thus hadn’t yet lost coverage.

For perspective, 138% of the poverty level for a household of three is $35,631 in 2024. And 160% of the poverty level is $41,312 for a household of three. So parents earning a few extra thousand dollars no longer need to worry that they’re going to lose their health insurance. And the new Covered Connecticut program ensures that even with income a little above 160% of the poverty level, adults in Connecticut have access to zero-cost health coverage and medical care.

Connecticut is one of 40 states and DC that have expanded Medicaid coverage to childless adults through an optional component of the Affordable Care Act. (Medicaid expansion was initially intended to be mandatory, but the Supreme Court ruled in 2012 that federal Medicaid funding could not be withheld from states that didn’t expand Medicaid, essentially making Medicaid expansion optional for states).

Connecticut took a two-step approach to expansion. In 2010, the state launched its HUSKY D program by transitioning very low-income adults from the State Administered General Assistance (SAGA) medical program into Medicaid. In 2014, it further expanded coverage for childless adults by raising the income limit to 138% of FPL, utilizing federal funding from the ACA to increase the eligibility threshold.

In January 2014, the Kaiser Family Foundation estimated that about 286,000 people in Connecticut were uninsured. KFF also estimated that, with Medicaid expansion, about 38% of those 286,000 would qualify for either Medicaid or CHIP. In an October 2014 press release, Access Health CT (the state-run marketplace) estimated that 147,000 Connecticut residents were still uninsured.

As of November 2023, more than 983,000 people were covered by HUSKY Health, up from 634,518 total enrollees in 2013. As noted above, this growth was driven primarily by Medicaid expansion coupled with the pandemic-era rules that prevented states from disenrolling anyone from Medicaid. This rule lasted from March 2020 through March 2023, and resulted in a steady increase in the number of people covered by Medicaid nationwide (enrollment has since declined due to the disenrollments that resumed in early/mid-2023).

Connecticut implemented Medicaid in July 1966, one year after the program was enacted at the federal level through Title XIX of the Social Security Act.

Unlike many states that are increasingly using Medicaid managed care to provide health coverage to low-income beneficiaries, Connecticut dropped its managed care contracts in 2012. Ellen Andrews, executive director of the Connecticut Health Policy Project, credits the change with increasing access for beneficiaries, improving quality, and reducing costs.

Connecticut is one of only four states with zero percent of the Medicaid population enrolled in managed care plans. Instead, Connecticut uses a self-insured fee-for-service approach to Medicaid. The state notes that administrative costs for HUSKY Health are just 4.5%, and estimates that they would be 10% if the state were to use a managed care approach to Medicaid. Although the program is self-insured, the state contracts with four administrative services organizations to administer HUSKY Health. Compared with national averages, HUSKY Health has had considerable success in controlling costs and reducing per-enrollee spending in Medicaid.