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  • Posted July 27, 2020

A Guide to Navigating HUSKY in Connecticut

In Connecticut, both Medicaid and the Children’s Health Insurance Program (CHIP) are part of a larger program run by the Department of Social Services (DSS) called “HUSKY”.  HUSKY is comprised of four (4) different plans – A, B, C & D – and each plan has its own eligibility requirements.  As with all things relating to insurance, knowing what you do and don’t qualify for can get complicated, which is why we’ll be breaking down the basics so you know what plan is right for you.

Please note that the incomes listed are to be used as a guide and are up-to-date as of March 1, 2020. They may not reflect the exact values DSS uses to determine eligibility, as these figures change on a yearly basis.

HUSKY A (Medicaid)

WHO IS IT FOR?:

Parents, caregivers, and children younger than 19

HOW DO I QUALIFY?:

To qualify for HUSKY A, the family cannot have more than $1,600 in assets (bank accounts, cash value life insurance, investments, etc. Residential real estate is excluded as long as they reside in the property).  Income requirements vary based on the individual.

Children will qualify on their own if their parents’ income is ~ $2,100/month (201% of Federal Poverty line). However, if the parents, caregivers or other adults are applying their income will need to be around $1,700/month (160% of Federal Poverty line). Pregnant women may also qualify, and when they apply, they should count their unborn child(ren) as additional family members when determining their income limits.

HUSKY B (Children’s Health Insurance Program/CHIP)

WHO IS IT FOR?:

Children under the age of 19

HOW DO I QUALIFY?:

To qualify for HUSKY B, the parents/guardians need to earn between $1,900/mth – $3,400/mth (183% – 323% of the Federal Poverty line).

For children with additional healthcare needs, such as motorized wheelchairs, hearing aids, or case management services, families can also apply for HUSKY Plus. These funds become available AFTER HUSKY B services run out, and MUST be pre-approved prior to use.

Please note that both HUSKY A and B coverage will end when the child turns 19. When that happens, families may: add to employer provided coverage until the child turns 26, have the child apply for HUSKY D as an adult, have the child use their employer provided coverage (if the child is working and eligible), or purchase an individual health insurance plan.

HUSKY C (Medicaid for the Aged/Blind/Disabled)

WHO IS IT FOR?:

Anyone who is 65 or older; anyone with a disability between the ages of 18 and 65; anyone who is Blind

HOW DO I QUALIFY?:

Determining whether you qualify for HUSKY C can be a little complicated.  The income limits will vary depending on where in Connecticut you live, and on which version of Husky C you are applying for. But generally speaking, an individual must meet at least one of the following criteria: age 65 and older, disabled and between the ages of 18 and 65 or Blind. They also need to be a resident of Connecticut and a US citizen (or an eligible non-citizen).

Although at first glance the income limits seem very low, if you are employed and using Medicaid (MED-Connect) you can earn up to $75,000/year and have $10,000 in assets (individual, not counting ABLE accounts or Special Needs Trusts)!

HUSKY D (Medicaid for the Lowest-Income Populations)

WHO IS IT FOR?:

Anyone between 19 and 65 who doesn’t meet the requirements for HUSKY A

HOW DO I QUALIFY?:

HUSKY D is designed to help those who don’t qualify for HUSKY A, but still need assistance.  Thus, if you are between the ages of 19 and 65, are not pregnant, and are not eligible for Medicare. Although the income limits still apply (~$1,400/mth, 138% Federal Poverty level), there are no limits to the amount of assets an individual can have in their name.

Today’s financial climate means that it’s more important than ever to know if you are eligible for HUSKY. is a chart that summarizes the eligibility requirements for all HUSKY plans (based on monthly income).


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