Colorado’s Own Health Insurance Marketplace
Connect for Health Colorado is a marketplace that opened in October 2013 to help individuals, families and small employers across Colorado purchase health insurance and apply for new federal financial assistance to reduce costs. In addition to the shopping website, Connect for Health Colorado offers a statewide customer support network of Customer Service Center Representatives, Health Coverage Guides and licensed agents/brokers to help Coloradans find the best health plan for their needs. Connect for Health Colorado is the only place where Coloradans can apply for advance premium tax credits and cost-sharing reductions to help pay for commercial insurance coverage.
Connect for Health Colorado is a non-profit entity established by a state law, Senate Bill 11-200, that was passed in 2011. The organization, legally known as the Colorado Health Benefit Exchange, is governed by a Board of Directors with additional direction from a committee of state legislators, known as the Legislative Health Benefit Exchange Implementation Review Committee.
One way Connect for Health Colorado is funded is through a Special Fee Assessment, which is a general assessment on all health insurance plans in Colorado. It was originally put into law by the Colorado Legislature in 2001 to support CoverColorado, a program that provided coverage to the high-risk pool of residents who could not get health insurance due to pre-existing conditions. In 2013, the Legislature passed a law that allocated the revenue to support Connect for Health Colorado. Connect for Health Colorado set the fee at $0 for 2014. The fee is set at $1.25/policy/month for 2015, less than half previous levels. The level for 2016 has not been determined.
The mission of Connect for Health Colorado is to increase access, affordability, and choice for individuals and small employers purchasing health insurance in Colorado.
Connect for Health Colorado is intended to reflect the unique needs of our state, seek Colorado-specific solutions, and explore the maximum number of options available to the state of Colorado in meeting the goals of access, affordability and choice.
Connect to our State partners
Connect for Health Colorado collaborates closely with the Colorado Department of Health Care Policy and Financing and the Colorado Division of Insurance to provide health coverage assistance to Coloradans. Here’s how you can connect with these agencies:
Colorado Department of Health Care Policy and Financing
The Colorado Department of Health Care Policy and Financing administers the Medicaid and Child Health Plan Plus (CHP+) programs as well as a variety of other programs for low-income Coloradans, families, children, pregnant women, the elderly, people with disabilities and some adults without children. The mission of the department is to improve health care access and outcomes for the people we serve while demonstrating sound stewardship of financial resources. For more information about the department, please visit Colorado.gov/hcpf.
Colorado Medicaid is public health insurance for low-income Coloradans including families, children, pregnant women, the elderly, people with disabilities and some adults without children. Beginning in January 2014, more Coloradans will be eligible for Medicaid. Find out if you are eligible at Colorado.gov/PEAK.
Child Health Plan Plus (CHP+) is low-cost health insurance for Colorado’s uninsured children and pregnant women. CHP+ is public health insurance for children and pregnant women who earn too much to qualify for Medicaid, but cannot afford private health insurance for their children.
You can contact the agency at 303-866-3513 or 800-221-3943 or visit their website.
Colorado Division of Insurance
The Division of Insurance (DOI), part of the Colorado Department of Regulatory Agencies, is a state agency that regulates the insurance industry in Colorado and works with consumers to answer their questions, help them understand their health insurance, and ensures consumers receive the benefits for which they paid. DOI reviews insurance companies’ requests to change the premiums (rates) they charge Colorado consumers as well as the benefits included in insurance plans sold in the state. DOI protects consumers by making sure insurance companies, and agents, comply with state laws and regulations.
The Colorado Division of Insurance also offers a Buyer’s Guide for health insurance. Check out their Buyer’s Guide.
Do you need information about your consumer rights regarding health insurance? The Colorado Division of Insurance can help. You can contact them at 303-894-7490 or visit their website for more information or to file a complaint.
Colorado State Website for Coverage Resources:
A group of State agencies collaborated to create a new consumer friendly website to help direct Coloradans to resources related to health and health care. The goal of Colorado.gov/health is to help consumers easily find what they need without having to navigate through each of our department’s websites or understand who does what in government to find information.
If you are interested in joining our team but don’t see any positions open that fit your skill set, you are welcome to submit your resume to [email protected].