Health insurance & Medicare · Hartford, CT (Hartford County)
Small-Business Group Health Insurance in Hartford, Connecticut
6.8% of Hartford workers are self-employed, below the U.S. figure of 9.8%. Self-employed people have no employer plan for health, life or disability coverage. Group health, dental and vision options for small employers, plus help comparing a traditional group plan with alternatives such as an individual coverage HRA (ICHRA) or QSEHRA. Olive, a licensed agent with Manna Financial Services, helps Hartford, CT households compare small-business group health insurance by phone or video, and the first conversation is free.
What matters for small-business group health insurance in Hartford
6.8% of Hartford workers are self-employed (U.S.: 9.8%). Owners often need to cover themselves as well as their team, so we look at personal and business coverage together.
Hartford by the numbers
- 6.8% of Hartford workers are self-employed, below the U.S. figure of 9.8%. Self-employed people have no employer plan for health, life or disability coverage.
- The median household income in Hartford is $43,902, well below the U.S. average of $78,538, the lowest median household income of the 7 Northeast U.S. communities on this site.
- 10.6% of Hartford adults aged 19 to 64 have no health insurance, about the same as the U.S. rate of 11.1% (the 2nd-highest uninsured rate for adults 19 to 64 of the 7 Northeast U.S. communities on this site).
- 25.4% of Hartford homes are owner-occupied (U.S.: 65.0%), and the median home value is $204,500, well below the U.S. median of $303,400.
Hartford and nearby communities
| Place | Self-employed | Uninsured adults 19–64 | Median household income |
|---|---|---|---|
| Hartford | 6.8% | 10.6% | $43,902 |
| New York | 11.4% | 9.4% | $79,713 |
| Philadelphia | 7.9% | 9.6% | $60,698 |
| Boston | 7.9% | 4.2% | $94,755 |
| U.S. | 9.8% | 11.1% | $78,538 |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with small-business group health insurance
- Small-group health, dental and vision quotes from several insurers
- Explain contribution and participation requirements
- Compare a group plan with ICHRA or QSEHRA reimbursement
- Employee enrollment support and renewal reviews
Read our full guide to small-business group health insurance
Rules that apply in Connecticut
- Connecticut residents buy individual and family Marketplace plans through HealthCare.gov or their state exchange. Plans and prices vary by county.
- Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1.
- Outside Open Enrollment, a qualifying life event such as losing other coverage, moving, marriage or a new baby opens a Special Enrollment Period.
- Marketplace premiums are the same with or without an agent. Insurance companies pay the agent.
Questions from Hartford
How many employees do I need for a group plan?
Many small-group plans start at two enrolled employees, one of whom is not the owner or spouse, but rules vary by state and insurer. We confirm the requirements for your situation.
Do I need to visit an office in Hartford?
No. Olive works with Hartford and Hartford County households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Small-Business Group Health Insurance near Hartford
Talk with Olive about small-business group health insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.