Use this Small businesses in Connecticut faced multi-layered challenges in 2021: navigating through the second year of the pandemic, lack of capital, and challenges with employee recruitment and retention. Access Health CT (AHCT) Small Business spoke to many employers over the year, about both the current challenges and how to resolve one major one: offering quality, affordable health insurance to their employees. to compare the different plan options, features and benefits to help determine which plan options will work best for your clients.