Connecticut long-term care insurance: cost & coverage

Who regulates long-term care insurance in Connecticut

Long-term care insurance policies sold in Connecticut are regulated by the Connecticut Insurance Department. If you have a complaint about an agent, carrier, or policy, you can file it with the regulator directly.

What long-term care costs in Connecticut

Median assisted living cost in Connecticut vs. the national median:

Source: SeniorLiving.org median assisted living costs, 2026. See costs for all 50 states for the full table.

What each type of care costs in Connecticut

Assisted living is only one of the settings people use. Median monthly costs across the main care types in Connecticut:

Source: SeniorLiving.org Cost of Care Research (2026)

Connecticut's LTC Partnership program

Connecticut has an active LTC Partnership program. Connecticut was the first state to establish an LTC Partnership program (1992) and continues to offer Medicaid asset protection for qualified policies.

A Partnership-qualified policy lets you keep an extra dollar of assets, protected from Medicaid spend-down, for every dollar your policy pays out in benefits — see the note above for this state's current status. Learn more about how Partnership programs work.

How Connecticut treats LTC premiums at tax time

Connecticut gives long-term care insurance no special break of its own. The Connecticut return starts from your federal adjusted gross income and adjusts it only through the modifications listed on Form CT-1040, Schedule 1; there is no Connecticut itemized deduction, and the 2025 CT-1040 instructions list no subtraction or credit for long-term care premiums. The tax advantages that do apply are federal: a tax-qualified policy's premiums count as an unreimbursed medical expense within the IRS age-based limits, and benefits paid by the policy are not taxable income. Connecticut Partnership-approved policies are all tax-qualified.

Source: Connecticut Department of Revenue Services (2025)

This is general information, not tax advice. Confirm your own situation with a tax professional licensed in Connecticut.

Medicaid long-term care in Connecticut

Connecticut's Medicaid program is HUSKY Health; long-term care for adults 65 and older falls under HUSKY C, administered by the Department of Social Services. The posture is strict. For 2026 a single applicant may keep only $1,600 in countable assets and $75 a month of income ($165 for wartime veterans), with the rest of the income going toward the cost of care. A spouse staying at home may keep half the couple's combined assets up to $162,660, plus one vehicle and the house. Home equity above $1,130,000 disqualifies an applicant. Every dollar a Connecticut Partnership policy pays out raises that $1,600 asset limit by the same amount.

Source: Connecticut Office of Policy and Management (2026)

Other Connecticut long-term care programs

• Connecticut Home Care Program for Elders (CHCPE). The Connecticut Home Care Program for Elders (CHCPE), run by the Department of Social Services, pays for care at home for residents 65 and older who are at risk of nursing-home placement — care management, adult day health, homemaker and companion services, home-delivered meals, personal care attendants, adult family living, and assisted living services. Its state-funded track uses far looser asset limits than Medicaid: in 2026 a single person may keep up to $48,798 and a married person up to $65,064. Connecticut Partnership benefits paid raise those limits dollar for dollar as well.

How to compare quotes in Connecticut

• Confirm any agent or carrier you talk to is currently licensed to sell in Connecticut — the Connecticut Insurance Department can confirm licensing status.
• Ask which products a carrier is actively writing in Connecticut today — availability changes state by state and year to year. See carriers we compare.
• If a Partnership-qualified policy matters to you, confirm with the carrier or agent whether a policy is currently certified as Partnership-qualified in Connecticut — see this state's Partnership status above.
• Compare traditional and hybrid options side by side — see traditional vs. hybrid coverage.
• Get quotes from more than one carrier; pricing for the same coverage can vary significantly.

Please note: Regulator names, complaint channels, and Partnership-program status can change. Confirm current details with the Connecticut Insurance Department or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer Connecticut's insurance regulations or Medicaid program.

Last updated: August 22, 2026