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The Early Childhood Education Endowment’s Advisory Board voted last week to approve the new early childhood educator health insurance subsidy program beginning in 2027 and available through Access Health CT’s Open Enrollment starting October 23.
Established into law in 2025, the state's historic Early Childhood Education Endowment has already created up to 1,000 new child care spaces, supported an 8% increase in Early Start CT reimbursement rates, expanded Smart Start preschool classrooms, and invested in operational grants for providers across the state. As specified in Public Act 25-93, $10 million of the FY27 Endowment is dedicated to a health insurance subsidy program for early childhood educators. Early childhood educators often struggle with access to affordable health insurance, and this subsidy program can help retain and recruit essential workers for our early childhood system to work for families, employers, and our economy.
The subsidy will allow educators to access qualified health plans through Access Health CT and receive a subsidy toward their cost for health insurance through either an individual plan through Access Health CT, an employer’s small employer group plan through Access Health CT or in conjunction with an Individual Coverage Health Reimbursement Arrangement (ICHRA) offered by their employer. Eligible early childcare educators must not be eligible for Medicaid or the Covered Connecticut program.
The subsidy program is income-based and provide a flat subsidy for covered options regardless of which option through which an individual receives their health insurance. Early childhood educators earning between 175% and 250% of the Federal Poverty Level (FPL) will receive a subsidy of $1,200 per year; those earning between 250% and 400% of the Federal Poverty Level will receive $1,100 subsidies; and those earning over 400% will receive $1,000.
Approximately 7,200 to 8,800 early child care workers will be eligible for the program. Access Health CT will also receive funding from the Endowment to promote and advertise the program to early childhood educators and providers.
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