Before subsidies, the average benchmark silver plan for a 40-year-old in Connecticut costs $1,005 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size.
Employee benefits brokers in the Hartford area help businesses of 1 to 50 employees choose group plans, handle renewals and answer employee questions. The 10 firms below are closest to Hartford, CT.
Small Business & Group Health Insurance Brokers near Hartford
Licensed agents can compare plans available in Hartford County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in Hartford
- Hartford HealthCare, parent of Hartford Hospital, and Trinity Health Of New England, which runs Saint Francis Hospital and Medical Center, are the two big Hartford networks worth confirming in a plan's provider list before you enroll. Source
- In Hartford, local public health is handled by the City of Hartford Department of Health and Human Services. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
Options for small employers
Traditional small-group plans, level-funded plans, ICHRAs (employees buy individual plans with tax-free employer money) and QSEHRAs for businesses under 50 employees.
Do I need a minimum number of employees?
Small-group rules vary by carrier and state. Many carriers write group plans for businesses with as few as one or two employees besides the owner; a broker can tell you what's available in Connecticut.
Self-employed with no employees?
Group plans usually need at least one non-owner employee. Solo owners typically buy individual coverage, often with a premium tax credit.
Frequently asked questions
Do benefits brokers charge employers?
Most are paid commissions by the insurer. Some charge consulting fees for larger groups or extra services; ask before you sign.
How much does small business health insurance cost in Connecticut?
Premiums depend on employee ages, location, plan design and how much the employer contributes. A benefits broker can quote several carriers and funding options side by side.
What is an ICHRA?
An individual coverage HRA lets an employer give employees tax-free money to buy their own individual health plans. It works for businesses of any size.
Small business in nearby cities
- Cheshire Village, CT 21 miles
- Storrs, CT 22 miles
- Winsted, CT 23 miles
- Wallingford Center, CT 23 miles
- Waterbury, CT 23 miles
- Stafford Springs, CT 23 miles
- Torrington, CT 23 miles
- Oakville, CT 24 miles
- Willimantic, CT 24 miles
- Naugatuck, CT 27 miles