Enrollment

How can customers get help applying for health insurance through the Marketplace?

You can find information about applying for health insurance through the Marketplace on the Connect for Health Colorado website. If you would like someone to help you with the application process, we offer free, in-person help from our Certified Brokers and Assistors.

To learn more about these options, visit our “Get Help” page  In addition, if you have a general question about the application or experience a technical difficulty, our Customer Service Center representatives are standing by to help you over the phone. You can reach them at 1-855-PLANS-4-YOU (855-752-6749; TTY 855-346-3432), or 303-590-9675 from outside the United States. If you are working with someone in person, be sure to indicate that on your application for future assistance, questions or concerns.

Related FAQs:
Am I eligible to purchase insurance through the Marketplace?
Am I eligible for financial assistance to help pay for health insurance?
How can I apply for coverage and financial assistance through the Marketplace?
What information is available to help customers choose a health plan?

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Who should I include on my application for financial assistance?

Tax Dependents

  • In general, who you should include on your application is based on your tax household – you (the taxpayer), your spouse/partner (if you file taxes jointly), and whoever is claimed as a dependent on your tax return. All individuals who fit these criteria should be included whether or not they have taxable income and whether or not they are applying for health insurance. You will be able to select different plans for each member of the household.

Adult Children Up to Age 26

  • Even if you no longer claim your adult child on your tax return, you can include them on your application and enroll them in your family health insurance plan. You will want to provide their address, income, and tax filing status on the application, which means they may qualify for different financial help programs, or a different amount, than the rest of the household. However, you will have the chance to buy a plan together when you begin shopping.

Other Circumstances

  • If you are a couple who doesn’t file taxes together and wants to buy a health insurance plan together, you do not need to submit two applications. For example, if you are in a domestic partnership with someone who you do not file taxes with but you want to enroll in a health plan together.
  • If the parent who is claiming the child would like to seek coverage for that child, the other parent will need to fill out an application including the child whom is their tax dependent.

Victims of Domestic Violence and/or Spousal Abandonment

  • If you are a victim of domestic violence and/or spousal abandonment, you will be eligible for Premium Tax Credits even if you are married and filing separately. This is referred to as “exceptional circumstances.”
  • If this description matches your circumstances and you have been denied financial help, please contact our Client Service Center. They can make changes to your account so you are approved for financial help. There is no verification necessary for “exceptional circumstances”- we take your attestation.

More Resources

Information about tax households, the definition of a dependent, and other tax filing topics can be found on the IRS website.

Related FAQs:
Am I eligible for subsidies (financial assistance) to help pay for health insurance?
When do I report changes to Connect for Health Colorado?
Are there certain documents or information I need to fill out an application, and how do I submit them?
What income should I include on my application for financial assistance?

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Can I enroll in a health plan outside of the Open Enrollment Period?

To buy a health insurance plan outside of the Open Enrollment Period, you must qualify for a Special Enrollment Period. Having a Life Change Event, such as losing health insurance coverage from a job, moving, getting married or having a baby, may allow for a Special Enrollment Period. Please see the “What is a Life Change Event?” FAQ for more information on Life Change Events.

Note: You can enroll in Health First Colorado (Colorado’s Medicaid Program) or Child Health Plan Plus anytime. Open enrollment periods do not apply to these programs.

Related FAQs:
Am I eligible to purchase insurance through the Marketplace?
What is a Life Change Event?
What is a Special Enrollment Period?
When do I report changes to the Marketplace?

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How can I apply for coverage and financial help through the Marketplace?

You can apply for coverage and financial help through Connect for Health Colorado in any of the following ways:

1) Online – Complete your application online at ConnectforHealthCO.com.

2) In Person – Complete your application in-person with a certified Broker or at a local Assistance Site with a Health Coverage Guide or Certified Application Counselor. Please visit the In-Person Help page to search for one of these assisters nearest you.

3) Fax – Fax your paper application to 1-855-346-5175.

4) Telephone – Call 1-855-PLANS-4-YOU (1-855-752-6749), TTY at 1-855-346-3432, Monday- Friday, 8 am to 6 pm.

5) Post mail – Mail a paper application to: Connect for Health Colorado Individual Applications P.O. Box 35033 Colorado Springs, CO 80935.

Completing an application will let you know what financial help programs you and your family are eligible for. To receive the financial help, you must buy a health insurance plan through Connect for Health Colorado. You will not be able to receive financial help if you buy the health insurance plan directly from the health insurance company.

Related FAQs:
Am I eligible for financial help to help pay for health insurance?
What is an Open Enrollment Period?
What is a Life Change Event?
How do individuals receive Premium Tax Credits?

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What is a Special Enrollment Period?

A Special Enrollment Period is a period of time outside of the annual Open Enrollment Period during which you and your household can shop for and enroll in a health insurance plan. You might qualify for a Special Enrollment Period if you or someone in your household experiences a Life Change Event, such as losing health insurance coverage from a job, moving, getting married or having a baby. Generally, the Special Enrollment Period lasts 60 days from the day of your Life Change Event.

To see what other events qualify, please see the “What is a Life Change Event?” FAQ.

Related FAQs
What is a Life Change Event?
When do I report changes to the Marketplace?

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What is an Open Enrollment Period?

An Open Enrollment Period is the period of time when you can sign up for, or make changes to, a health insurance plan. There is one Open Enrollment Period every year for Connect for Health Colorado and other health insurance companies doing business in Colorado. The next Open Enrollment Period will begin on November 1, 2018 for coverage that starts January 1, 2019.

You must have a Life Change Event that would qualify you for a Special Enrollment Period to buy a health insurance plan outside of the Open Enrollment Period. Please see the “What is a Life Change Event?” FAQ for more information.

Related FAQs:
What is a Life Change Event?

 

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How do I purchase dental coverage?

Some health insurance plans sold through Connect for Health Colorado offer dental coverage for children under 19 years of age. In addition, Connect for Health Colorado also offers stand-alone dental plans (these are plans that only include dental benefits) that cover either children only, or children and adults. Just like with a health insurance plan, you can buy dental coverage during an Open Enrollment Period or Special Enrollment Period.

Note: You do not need to buy a health insurance plan through Connect for Health Colorado in order to buy a stand-alone dental plan.

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How do individuals receive Cost-Sharing Reductions?

When starting the application, you should indicate that you are interested in receiving financial help to lower the cost of health insurance. Connect for Health Colorado will determine eligibility for financial help based on income, household size, and a few other factors.

Cost-Sharing Reductions are not payments; rather, they are applied to the Silver-level plan you select to lower the out-of-pocket payments associated with that plan. This means that, when you use health care services, you will pay lower deductibles, co-payments, and prescription drug costs. To access these savings, you must qualify and buy a Silver-level plan through Connect for Health Colorado.

Related FAQs:
Am I eligible for financial assistance to help pay for health insurance?
What is a Cost-Sharing Reduction?
How do individuals receive Premium Tax Credits?
How can I apply for coverage and financial assistance through the Marketplace?

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What is Health First Colorado (Colorado’s Medicaid Program)?

Health First Colorado is a free, state-sponsored health insurance program for Coloradans who qualify. It is a type of medical assistance program and is administered by the Department of Health Care Policy and Financing. When you apply for financial help through Connect for Health Colorado, your eligibility for Health First Colorado will be assessed first. If you do not qualify for Health First Colorado, you may be eligible for financial help through Connect for Health Colorado.

Related FAQs:
Am I eligible for financial help to help pay for health insurance?
What is a Premium Tax Credit?
What is the Federal Poverty Level (FPL)?
How can I apply for coverage and financial assistance through the Marketplace?

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How do individuals receive Premium Tax Credits?

When starting the application, you should indicate that you are interested in receiving financial help to lower the cost of health insurance. Connect for Health Colorado will determine your eligibility based on income, household size, and a few other factors.

If you qualify, you can choose to receive the Premium Tax Credits in one of two ways:

(1) Claim some or all of the tax credit in advance, which means the credit will go directly to the insurance company to lower your monthly premium.

(2) Receive the tax credit in a lump sum when you file your taxes.

Eligibility for Premium Tax Credit is based on your household’s estimated gross income for the year during which you are receiving the credit. If you overestimate or underestimate your income and receive more or less tax credit than you were actually eligible for, the difference will be reconciled by the IRS when you file your federal income taxes. For this reason, it is important to report changes in income, household size and address to Connect for Health Colorado.

Related FAQs:
Am I eligible for financial help to help pay for health insurance?
What is a Premium Tax Credit?
What is a Cost-Sharing Reduction?
How can I apply for coverage and for financial help through the Marketplace?

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