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While the future of the Affordable Care Act is debated in Washington, D.C., what remains constant and true is that it is important to protect the health and financial future of you and your family. Broken bones, disease and other chronic conditions can happen at any time. Most are treatable and in some cases preventable if you have access to care and health insurance. Make sure you are covered for 2017!

Open Enrollment ended on Jan. 31 but Coloradans with special circumstances may still be able to apply.

Enroll or change your plan in 2017
Did your income change? Need to change your tax credit amount?
Avoid the penalty
After you enroll

Enroll or change your plan in 2017

Other circumstances that may allow you to enroll or change your plan, even after March 1. Thinking about moving, getting married or having a baby? Whether you are a new customer or you have been with us a while, when you make big decisions in life, you may be eligible to enroll or change your health insurance coverage outside of the Open Enrollment Period within 60 days of the event. Other life changes that may allow you to apply for coverage outside of the Open Enrollment Period, which ended, Jan. 31, include but are not limited to:

  • Birth of a baby, adoption of a child or placement of a child for foster care
  • Change in marital status
  • Move to a new permanent address in your state
  • Changes in your income that affect the financial assistance you qualify for
  • Change of tribal status
  • Become a U.S. citizen
  • Leaving incarceration
  • Change of dependency status of someone on your plan
  • Death of a covered member of your household
  • Turning 26 and aging off your parent’s plan
  • Starting/ending AmeriCorps service
  • Incorrectly or inappropriately enrolled in a health plan for some reason that is not due to an error or omission on the part of Connect for Health Colorado
  • Violation of the contract you had with your health insurance carrier
  • Loss of an exemption to purchase health insurance coverage
  • Change in affordability of employer-sponsored insurance
  • Loss of minimum essential coverage

If you think you qualify for any of the above, please login or create an account to get started.

If you have previously worked with a certified Broker or Assister, please contact that person because he/she is best equipped to help you to enroll in a new plan. If you need help, we provide a statewide network of free, expert support to help you look at your choices and enroll. You can also call our Customer Service Center at 855-PLANS-4-YOU (855-752-6749).

If you are eligible to shop for a new plan or make updates to your existing plan, your coverage will be effective the first day of the month after you purchase a new plan or submit your updates. If this happens after the 16th of the month, you will need to call our Customer Service Center to ensure you receive coverage the 1st day of the following month. Note that certain changes can be made right away and others will need to be coordinated with your insurance company.

Did your income change? Need to change your tax credit amount?

If you applied for financial assistance and received an advance premium tax credit, it is your choice how much of the tax credit to use now for your monthly premiums or claim on your taxes next year. If you purchased health insurance through our Marketplace without applying for financial assistance, or you experience a loss in income, we may be able to get you help to offset your monthly costs. If any of these scenarios apply to you, please call the Customer Service Center 855-PLANS-4-YOU (855-752-6749) so we can keep you covered. You can also quickly check to see if you qualify for financial assistance.

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Once you’re covered, your insurance company will send you an invoice for your first month’s premium. Make sure to pay that on time each month to keep your coverage. Timing of invoicing and the receipt of membership materials vary by company.

Avoid the penalty

Make sure you are covered in 2017 to avoid a fine. The penalty for not having health insurance in 2017 will be $695 per person or 2.5% of your household income, whichever is greater.

Tax Penalty

After you enroll

Once you’re covered, your insurance company will send you an invoice for your first month’s premium. Make sure to pay that on time each month to keep your coverage. Timing of invoicing and the receipt of membership materials vary by company, but here is what to expect.

Make the most out of your comprehensive coverage by understanding the benefits included in your plan. Our Health Insurance Basics Guide offers helpful suggestions, including how to choose an in-network doctor and what to do in an emergency. And don’t forget to take advantage of the free health screenings that come standard with your health insurance plan. It is also important to understand your coverage before you need it. It can save you both time and money!

Can I Still Enroll? Learn about the Tax Penalty Review Your Account and Renew Find the Right Plan Get Free, In-Person Help