ConnectiCare

What ConnectiCare does

ConnectiCare is a Connecticut-based health insurance carrier founded in 1981, operating as a wholly-owned subsidiary of Molina Healthcare following the February 2025 closing of the acquisition announced in July 2024. The company underwrites and administers health benefit products for Connecticut residents across three core segments: individuals and families (sold through Access Health CT marketplace, off-exchange SOLO plans, and the state-subsidized Covered Connecticut Program), Medicare beneficiaries aged 65 and older (HMO-POS Medicare Advantage plans including Choice, Passage, Flex, and Dual Special Needs variants), and employer groups (small group 50 or fewer employees and large group 51+, with both fully-insured and ASO arrangements). A dental line is distributed through Access Health CT. Approximately 200,000 residents are covered in individual and small-group plans, with an additional ~48,000 Medicare members.

The product architecture combines core insurance administration with a digital member platform (myConnectiCare portal for claims, premium payment, and cost estimation) and partner-integrated service layers, including Teladoc for telemedicine, Silver&Fit (American Specialty Health) for fitness benefits, CVS Caremark (replacing Express Scripts) and Amazon Pharmacy for mail-order prescriptions, and the proprietary WellSpark/MySpark Central wellness platform for digital coaching. Provider-facing infrastructure includes the ConnectiCare Provider Portal integrated with Availity, and the Sapphire threesixtyfive network search tool. Distribution operates through a hybrid model: direct-to-consumer via website (shop.connecticare.com, enroll.molinamarketplace.com) and dedicated phone lines, two physical ConnectiCare Centers in Farmington and Manchester offering in-person enrollment and bilingual support, licensed insurance brokers via a dedicated broker portal, the Access Health CT state marketplace, and an employer portal for large groups.

ConnectiCare's revenue model is subscription-based premium income from insured members across commercial, Medicare Advantage, and ASO/fee-based employer segments, supplemented by CMS Medicare payments. The company recently filed 2027 premium rate increases averaging over 16% in the individual market and nearly 18% in small-group plans, and announced an exit from Medicare Advantage Part D prescription drug plans for 2027, signaling margin pressure and product rationalization under Molina's ownership. ConnectiCare of Massachusetts ceased operations in November 2025, further concentrating the geographic footprint on Connecticut. The company's strategic posture is one of in-state consolidation, state-program administration (Covered Connecticut), and integration into Molina's national platform rather than organic expansion.

Name

ConnectiCare

Legal name

ConnectiCare

Website

https://connecticare.com

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

501–1,000 employees

Short description

ConnectiCare is a Connecticut-based health insurance carrier and Molina Healthcare subsidiary offering individual, family, Medicare Advantage, and employer group plans to roughly 250,000 Connecticut residents, distributed via direct channels, brokers, and the Access Health CT marketplace.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Health Care and Social Assistance (62), Services for the Elderly and Persons with Disabilities (62412)

SIC

Hospital & Medical Service Plans (6324), Services-Health Services (8000)

akta.pro primary industry

Medicare Provider Networks & Delegated Medical Groups (MA-focused) (FSAIAGAK)

akta.pro secondary industries

Medicare Part D Prescription Drug Plans (PDP) (FSAIAGAC), Chronic Condition Virtual Care & Disease Management (Payer-Sponsored) (HLALACAE), Group Pharmacy Benefit (Rx) Coverage & PBM-Integrated Plans (FSAIAFAN)

Keywords

• Health insurance plans
• Medicare Advantage
• Individual family coverage
• Employer group benefits
• Pharmacy benefits

Headquarters

HQ city

Farmington

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Individual and Family Health Insurance Premiums: Monthly premium payments from individuals and families purchasing health coverage through Access Health CT marketplace or off-exchange SOLO plans. Plans include various metal tiers with different cost-sharing structures.
2. Medicare Advantage Plan Premiums: Monthly premium revenue from Medicare Advantage plans for beneficiaries 65+ and those with disabilities. Plans include HMO-POS options with optional dental, eyewear, and OTC allowances. Premiums range from $0 to $162 per month depending on plan selection.
3. Employer Group Health Insurance Premiums: Premium revenue from small group (50 or fewer workers) and large group (51+ employees) employer health plans. Employers can choose fully-insured or ASO (Administrative Services Only) arrangements.
4. Medicare Part D Prescription Drug Plans: Prescription drug coverage integrated into Medicare Advantage plans or offered as standalone Part D coverage, generating premium revenue from CMS and members.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

ConnectiCare is a Connecticut-based health insurance company that sells Individual and Family Plans (marketplace and off-exchange), Medicare Advantage HMO-POS plans, Employer Group health plans (small and large group, fully-insured and ASO), Dental Plans, and Pharmacy Benefits, supported by the myConnectiCare member portal, in-person ConnectiCare Centers, Teladoc telemedicine, Silver&Fit fitness, WellSpark wellness, and a network covering 100% of Connecticut hospitals and over 60,000 pharmacies.

Product overview

ConnectiCare is a Connecticut-based health insurance company now owned by Molina Healthcare, offering a comprehensive portfolio of health insurance products and wellness services. The core offerings include Individual and Family Plans (comprising Access Health CT marketplace plans, SOLO plans, and the Covered Connecticut Program), Medicare Advantage Plans (including HMO-POS Choice, Passage, Flex, and Dual D-SNP variants), Employer Group Plans for businesses, and Dental Plans. Supporting services include Pharmacy Benefits with mail order options through CVS Caremark and Amazon Pharmacy, the myConnectiCare member portal for online account management, Provider Portal for healthcare provider transactions, ConnectiCare Centers for in-person support in Farmington and Manchester, and WellSpark wellness programs. The product architecture combines core insurance products with digital platforms and wellness services to serve individuals, families, Medicare beneficiaries, and employers across Connecticut.

Differentiator

Problem solved

Functional benefit

Brands

• MyConnectiCare: Member portal for managing health insurance accounts, viewing claims, and paying premiums.
• ConnectiCare Centers
• WellSpark
• ConnectiCare Choice
• ConnectiCare Passage
• ConnectiCare Flex
• Covered Connecticut Program

Products and services

• Individual and Family Plans Health insurance plans for Connecticut individuals and families not covered by employer-sponsored insurance, including Access Health CT marketplace plans, SOLO off-exchange plans with CT and NY provider networks, and the Covered Connecticut Program offering $0 monthly premiums for eligible residents aged 19-64.
• Medicare Advantage Plans Medicare Advantage HMO-POS plans for Connecticut seniors aged 65+ and those with disabilities, including Choice, Passage, and Flex plan variants plus Dual Special Needs Plans (D-SNP) for dual-eligible beneficiaries. Plans include medical and prescription drug coverage with optional dental, eyewear, OTC, and Silver&Fit fitness benefits.
• Employer Group Plans Health insurance plans for Connecticut employers, including small group plans (50 or fewer employees) and large group plans (51+ employees), with fully-insured and ASO (Administrative Services Only) options. Includes a dedicated employer portal for enrollment, billing, and employee eligibility management.
• SOLO Plans Off-exchange individual health insurance plans providing a large network of doctors and hospitals in Connecticut and New York, with HSA-compatible options for tax-advantaged health savings accounts and Teladoc telemedicine integration.
• Covered Connecticut Program State-administered program offering eligible Connecticut residents aged 19-64 with household incomes up to 175% of Federal Poverty Level health and dental benefits plus Non-Emergency Medical Transportation for $0 monthly premium, with the state paying plan premiums and cost-sharing amounts.
• Dental Plans Dental insurance plans available through Access Health CT providing coverage for adults and children, including basic services (exams, cleanings, x-rays, fillings) and major services (root canals, crowns, dentures), purchasable independently of health coverage.
• Pharmacy Benefits Prescription drug coverage through a network of over 60,000 pharmacies including national chain pharmacies, with mail order delivery via CVS Caremark and Amazon Pharmacy, and drug lists (formularies) organized in cost-based tiers.
• WellSpark Wellness Programs Digital wellness platform offering virtual and on-demand wellness sessions including Move More fitness programs, Feel Your Best mental wellness, and Eat Well nutrition support, accessed through MySpark Central with group coaching, health library, and wellness tracking.
• ConnectiCare Centers Physical retail locations in Farmington and Manchester, Connecticut offering in-person health insurance support, plan enrollment assistance, claims help, and free wellness classes with bilingual staff.
• Silver&Fit Fitness Program Fitness program included with Medicare Advantage plans providing members access to participating fitness centers and Home Fitness Kits, online fitness classes, a fitness center locator, and fitness tracker options, provided by American Specialty Health Fitness, Inc.

Quantifiable outcome

• 45 years of continuous operation serving Connecticut communities
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered minor, major and core.

• Connecticut FoodshareminorOthers · 18 December 2025ConnectiCare donated $25,000 to Connecticut Foodshare and participated in volunteer events packing meals for food-insecure residents. Part of corporate community investment initiative.
• UCONN HealthmajorTechnology or Integration · 13 June 2025ConnectiCare and UCONN Health reached a contract agreement ensuring continued access to UCONN Health's academic medical center and specialty providers within ConnectiCare's network.
• CVS CaremarkcoreTechnology or IntegrationCVS Caremark provides pharmacy benefit management services including mail order prescription delivery for ConnectiCare members. Starting 2026, CVS Caremark Mail Service replaces Express Scripts for Medicare plan pharmacy needs.
• American Specialty Health (Silver&Fit)coreTechnology or IntegrationSilver&Fit fitness program provides Medicare Advantage members access to participating fitness centers and home fitness kits. Program includes online fitness classes, fitness center locator, and fitness tracker options.
• Teladoc HealthcoreTechnology or IntegrationTeladoc provides telemedicine services across ConnectiCare plans, offering general medical and behavioral health care visits by phone, video, or mobile app messaging.
• Yoga In Our CityminorGTM or Marketing PartnerCommunity partnership providing free bilingual yoga classes at Connecticut parks during summer months. ConnectiCare sponsors the program as part of community wellness outreach. Program enters 13th season in 2025.
• Mental Health ConnecticutminorGTM or Marketing PartnerConnectiCare supported Mental Health Connecticut's #LetsFaceIt campaign for Mental Health Awareness Month, demonstrating commitment to behavioral health parity and community mental health resources.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Anthem Blue Cross Blue Shield of Connecticut: Anthem is the largest commercial health insurer in Connecticut and directly competes with ConnectiCare across individual, employer group, and Medicare Advantage segments via its Elevance Health platform and broad PPO/HMO network.
• Aetna (CVS Health): Aetna is a major Connecticut health insurer offering individual, Medicare Advantage, and employer plans; its CVS Health parent also provides pharmacy infrastructure that overlaps with ConnectiCare's CVS Caremark and pharmacy strategy.
• UnitedHealthcare (Oxford Health): UnitedHealthcare is the nation's largest Medicare Advantage carrier and a direct competitor in CT/NY via its Oxford Health Plans subsidiary, with overlapping Medicare Advantage HMO/POS products and individual marketplace plans.
• Cigna Healthcare: Cigna operates in Connecticut offering individual marketplace plans and employer-sponsored coverage; its Evernorth health services arm parallels ConnectiCare's pharmacy and wellness integrations.

Broad incumbents

• EmblemHealth: EmblemHealth was ConnectiCare's former parent and remains a regional NY/CT carrier with similar mixed-model commercial, Medicare, and Medicaid positioning — providing direct comparability on product mix and regional operating economics.
• Humana: Humana is one of the largest Medicare Advantage insurers nationally and competes with ConnectiCare's MA HMO-POS products in Connecticut, with overlapping D-SNP and Part D capabilities.
• Molina Healthcare: Molina is ConnectiCare's parent company and operates government-sponsored managed care plans nationally (Medicaid, Medicare, marketplace) — directly comparable in product structure and target segments, with Connecticut as its newest market.

Regional players

• Blue Cross Blue Shield of Massachusetts: BCBS of Massachusetts is a non-profit regional carrier serving a single New England state with a mixed individual, employer, and Medicare portfolio — closely mirroring ConnectiCare's regional, multi-product operating model.
• Highmark Blue Cross Blue Shield: Highmark is a regional Blue plan operating across PA, WV, DE, and NY with individual, Medicare, and employer group products — comparable to ConnectiCare in regional single-state/multi-state focus and product breadth.
• Independence Blue Cross: Independence Blue Cross is a Philadelphia-area Blue plan with individual marketplace, Medicare, and employer coverage — similar to ConnectiCare in being a regional carrier competing against national insurers in its home market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/connecticare
• LinkedInlinkedin.com/company/connecticare

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ConnectiCare