There are five respected health insurance companies offering health plans in Waterbury, Connecticut and if you hadn’t guessed, East Coast Health Insurance offers all them.  In fact, I just ran a quote for myself on our Connecticut health insurance quote engine where you can buy all the Waterbury health insurance you ever wanted.

Of all the plans I viewed the most attractive was probably the Blue Cross Blue Shield of Connecticut Lumenos HSA which is a bit different than some of the other companies in Waterbury and in fact might not be the best choice for younger folks.  The main reason for this is that this plan doesn’t cover anything until after the $3500 deductible, but after that of course it covers 100% of all medical expenses.  Most years you will never spend any of your deductible and that is why for younger people I am recommending Connecticare.  For a 35 year old male by the way the Lumenos HSA plan costs about $170 per month in premium.

Connecticare has a disarmingly low deductible of $1000, as well as a very low premium at $155 however they do have a high amount of coinsurance.  They also cover office visits and prescriptions before the deductible is met with a low copayment.  For older Waterbury health insurance shoppers that is why I think Blue Cross is better for you, as you are more likely to meet your deductible each year.

Based on your age and zip code however there is still Cigna, United Health One, and Aetna which are all pretty close in price (though Cigna has not yet released their 2011 premiums) but it seems from a cursory glance that Aetna might offer more plans and pricing choices then either Cigna or Aetna in Waterbury.

Because of the varied plans in Waterbury, I do recommend calling East Coast Health Insurance for your own specialized quote so that we can make recommendations for your exact situation.