In the State of Connecticut individual health plans and group health plans differ mostly in their underwriting guidelines and the actual level of benefits provided in the plan. Group plans spread the cost among the group members, enabling such plans to typically cost less per person and offer broader coverage than individual health plans. Individual health plans are perfect solutions for the self-employed, adults who are temporarily between jobs, and recent college graduates.
When comparing different individual health plans, you should start with what features are most important to you and your family. This means that individual health plans can still deny coverage based on a pre-existing condition. In these cases, if you fit the requirements to be an “eligible individual,” you can buy some individual health plans without pre-existing condition exclusion.



