Welcome back! You already know how important it is to stay covered so you can protect your health and finances. Whether you signed up for the first time or renewed your plan, make sure you understand how to use your comprehensive coverage. This Coverage to Care Roadmap provides a good overview for how to understand and use your benefits!

If you started an application by February 15th, but still need help finishing your enrollment, the fastest way to get covered is by calling us at 855-PLANS-4-YOU (855-752-6749).

Important Dates

Feb. 15th
Deadline to get coverage for 2015, unless you have a qualifying life change event.
Nov. 1st
Open Enrollment begins for 2016 coverage.

There are certain situations that may allow you to shop for a new plan or update an existing plan. If you think this applies to you, start by viewing the 2015 plans available to you. In-person help is available year-round as well. Don’t forget about your eyes and teeth! You can purchase vision or dental insurance year-round.

View 2015 Plans TodayGet started by browsing for the plan that fits your needs. Get Free In-person HelpQuestions? We have a team of specialized staff to answer your questions.

Report a Change

Your health insurance coverage will continue to provide benefits through the end of 2015 as long as you pay your monthly premium. There are certain changes you can make to your coverage through our Marketplace, including adding or removing a dependent or reviewing your financial assistance. If you are receiving financial assistance, it’s important to let us know of any change that may impact the size of your household or your income. We can help adjust the amount of financial assistance you receive so you don’t have any surprises when you file your income taxes in 2016. If you experience a change in income, please call us. It’s important we keep you covered. We may be able to get you access to financial assistance to help offset your monthly costs.

Situations that may allow you to shop for a new plan or update an existing plan Situations that may allow you to make updates to your existing coverage
  • You got married or were legally united through a civil union or domestic partnership
  • Your family grew through birth or adoption
  • Your tribal status changed
  • Your legal residence changed
  • You were incorrectly or inappropriately enrolled in a health plan for some reason that is not due to an error or omission on your part
  • Your income changed enough to impact your eligibility or amount of financial assistance
  • Your health insurance carrier violated its contract with you
  • Your household size has gotten smaller
  • One of your dependents is no longer eligible for coverage under your health insurance plan because he/she is turning or has turned 26
  • Your household size has gotten smaller
  • One of your dependents is no longer eligible for coverage under your health insurance plan because he/she is turning or has turned 26

If you would like to make any of these changes, call the Customer Service Center at 855-PLANS-4-YOU (855-752-6749).

Certain changes can be made right away and others will need to be coordinated with your insurance company.

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.

If you do not receive financial assistance (a tax credit) and need to make simple changes to your account that do not affect your coverage, you can do it online. If you have questions or would like help, please call our Customer Service Center.

If you are receiving a tax credit to lower your monthly premium costs, it is important that you report all changes to the Marketplace so we can ensure your financial assistance is accurate so that your taxes are not negatively impacted. You should call the Customer Service Center to help make any account changes.

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Change Tax Credit

If you applied for financial assistance and received an advance premium tax credit, you chose how much of the credit to use to pay for your monthly premium. It is your choice how much of the tax credit to use now or claim on your taxes next year. If you’d like to change the amount of tax credit you are using now, or if your income has changed, please call the Customer Service Center at [c4hc0-phone].

If you purchased health insurance through our Marketplace without applying for financial assistance, or you experience a loss in income, please call us. It’s important we keep you covered. We may be able to get you access to financial assistance to help offset your monthly costs. Last year, Coloradans saved an average $262 per month to help lower their monthly health insurance costs. You may qualify based on your family income and household size. Please call the Customer Service Center, [c4hc0-phone].

 

Infographic depicts eligibility for medicaid or finanical help for both an individual and for a family of four. Individuals with incomes up to $15,500 are eligible for medicaid. Those with incomes up to $46,500 are eligible for financial assistance. Families of four with incomes of up to $31,500 are eligible for medicaid and families with incomes of up to $95,000 are eligibile 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, but you can see the general time frames here.