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Frequently Asked Insurance Questions

In Connecticut can I get coverage with a pre-existing condition?
Yes. Each insurance carrier in Connecticut has different underwriting guidelines so what one may consider a pre-existing condition another may not. Even if you have been denied coverage from every carrier in Connecticut there are other options to get you insured. The Health Reinsurance Association of Connecticut offers conversion plans that will cover pre-existing conditions immediately.

How long does it take for an individual or small business in Connecticut to apply for health insurance?
This depends on the carrier and how the application is submitted. Some carriers that are accepting applications online can have a policy approved within 24 hours. The length of time can be anywhere from same day to two or three weeks. Your representative is always checking with the carrier to help speed along the process and keep you informed every step of the way.

Will using to purchase individual health insurance or small group health insurance cost anything?
No. You will never pay anything for's services. is paid directly by the insurance carrier through commissions. What is important to note is that individual health insurance and small group health insurance rates are regulated and filed with the Connecticut State Insurance Department. So whether you buy from or directly from the insurance carrier you will always get the same rate. Except with, you get unparalleled customer service along with the best individual health insurance rates in Connecticut and the best small business health insurance rates in Connecticut.

Who do I contact if I need help?
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(877) 227-3770 or 203-227-2414

CT Health Insurance Advisor