Connecticut Health Reinsurance Association (HRA)

→ Visit the Connecticut Health Reinsurance Association (HRA) website

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee, you are guaranteed the right to buy an individual health insurance policy from the state high-risk pool, the Connecticut Health Reinsurance Association (HRA). Note:

• HRA prohibits pre-existing condition exclusion periods and elimination riders
• HRA is your only source of guaranteed issue health insurance coverage

HIPAA Eligibility

To be HIPAA eligible in Connecticut, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

How much does HRA coverage cost?

HRA charges different rates based on the plan chosen, geographic area of residence, age and gender. Connecticut caps premiums at 125% to 150% of what a healthy person would pay for a similar plan from a private insurer. HRA offers both PPO and HMO plans. Click here for PPO rates. Click here for HMO rates.

HRA Coverage Highlights

• $1 million lifetime maximum benefit
• Choice of either PPO or HMO
• PPO has $1500 annual deductible; $7500 annual out of pocket limit
• HMO has no deductible; $25 co-pays; $5000 annual out of pocket limit
• Benefits include hospital and physician care, maternity and prescription drugs

How can I be insured with HRA?

For enrollment information visit the HRA website at www.hract.org/hra/index.htm or call them at (800) 842-0004.

Special insurance for children: Husky Health

A family of four making up to $61,950 a year may be eligible for Husky Health.

• Do you qualify? Visit Eligibility.
• To discover what's covered, visit Benefits.
• Questions? (800) 656-6684.