Small Business

Why Access Health CT Small Business?

Why Access Health CT Small Business?

At Access Health CT Small Business (the Small Business Health Options Program in Connecticut), we understand how important it is for small business owners to provide their employees with comprehensive and affordable health care coverage. We were created as part of the Affordable Care Act to ensure that small business owners have access to affordable and comprehensive health care coverage for their employees and themselves. We provide small business owners with a range of options all housed in one convenient location.

Access Health CT Small Business is open to employers with 50 or fewer full-time-equivalent employees. We provide quotes year-round on a wide variety of plans.


Shopping the marketplace comes with a number of built-in advantages, including:

  • You decide how much you pay toward employee premiums.
  • You can choose from 4 levels of coverage to find a plan that meets the needs of your business and employees.
  • You can start coverage any month of the year, though we encourage enrollment by the 15th of the month. By enrolling no later than the 15th, coverage for the 1st of the following month is guaranteed.
  • If you buy coverage through Access Health CT Small Business and have no more than 25 full-time equivalent employees, you may qualify for a small business health care tax credit worth up to 50% of your premium costs (up to 35% of premium costs for tax-exempt employers). You can still deduct from your taxes the rest of your premium costs not covered by the tax credit. The tax credit is available only for plans purchased through Access Health CT Small Business.

There is good news for qualifying small tax-exempt employers, too -- the credit is refundable for these employers, so even if your tax-exempt organization has no taxable income, you may be eligible to receive the credit as a refund, so long as it does not exceed your income tax withholding and Medicare tax liability.

Click here to see how much you can save!