Welcome back! And, thank you for your business!
Thank you for purchasing your health insurance through Connect for Health Colorado®! This year, Open Enrollment is November 1, 2018 through January 15, 2019. This is the window of time when you can renew your plan or shop for a new one. Whether you choose to keep your plan or select a new one, be sure to do so by December 15, 2018 to ensure your coverage begins on January 1, 2019. The good news is that those who qualify for financial help will save an average of 80% on their health insurance premiums – so if you have not applied for financial help, now is the time to see if you qualify.
Open Enrollment means you have options:
As a returning customer, you have three options for your 2019 health insurance:
2019 coverage begins
Before You Renew
Are you leaving money on the table?
Many Coloradans assume they make too much to qualify for financial help. You may be surprised! In fact, Coloradans paid just $136 a month, on average, last year for their health insurance. Depending on your income and family size, you may qualify for Premium Tax Credits and Cost-Sharing Reductions to lower your costs. Check out our Quick Cost & Plan Finder tool to see how much you could save.
Do you qualify for financial help to reduce your costs?
Before you renew or select a new plan
- Log in to reset your password (if you have not accessed your account in the last 90 days). Do this now to speed up your enrollment. While you are logged in, be sure to update your contact information.
- Make an appointment with one of our certified Brokers or Assisters to learn more about your options for 2019 health insurance and help you renew or select a new plan. This in-person help can make the process easier and faster.
- If you are receiving financial help, update your income. Your income impacts the amount of financial help (Premium Tax Credit and/or Cost-Sharing Reductions) you may receive. You should get a new estimate of your potential savings and update your account online before shopping or renewing your plan.
1. Shop for a new plan starting November 1st – Recommended!
Even if you are happy with your plan, it pays to shop! An analysis of 2019 plans shows that if you switch to the lowest-cost plan available in your current coverage level (or metal tier), you can reduce your premium by an average of 50%. Make sure you are getting the best plan at the best price for your health and financial needs. If your insurance company isn’t offering the same plan, you will need to select a new one. In some cases, if there is a plan that is close to your old one, we have suggested a plan in your account for your review. Use our Quick Cost & Plan Finder tool to:
- See if you are eligible for financial help in the form of a Premium Tax Credit and Cost-Sharing Reductions;
- Estimate your total out-of-pocket costs; and
- Compare plans and pricing for 2019.
2. Renew your current plan
You may be eligible to auto-renew if:
- Your health insurance company is offering the same plan as last year
- Your household income and size hasn’t changed
- You want to continue with the same plan
In this case, we will auto-renew you in the same policy. The only thing you have to do is pay your first months’ bill by December 25 and your 2019 health insurance will start on January 1. (Your health insurance company will bill you for the premium.) Be sure to confirm with your health insurance company that your doctors and medications are still covered. You can login to your account to see if you are eligible to auto-renew or if you must select a new plan – see #2 below.
Note for our customers who are currently NOT receiving financial help: Due to changes in how the plans are organized for 2019, Gold and Bronze plans will likely be a less expensive option. So, if you are currently in a Silver plan, we recommend you compare plans and prices before renewing on Dec. 15, 2018.
3. Go without 2019 Coverage
Beware that your health and finances are at risk if you go without health insurance – a broken bone on the basketball court can set you back $7,000 and a 3-day stay in the hospital can cost $30,000 without health insurance. Getting covered doesn’t have to cost an arm and a leg. Last year, Coloradans receiving financial help protected their health and finances for just $136 per month, on average. Use our Quick Cost & Plan Finder tool to see if you are eligible for financial help to lower your costs.
We’re here to help
Insurance can be complicated, but you don’t have to go it alone. Across Colorado, from Durango to Greeley, we are ready to help you get enrolled in person, at a location near you. Get help.
Explore our health insurance resources
Health insurance can seem complex and confusing, so we’ve put together a variety of resources to help you feel more confident buying and using your health insurance.
- Health insurance 101
- How costs work – Key elements that determine how much you pay
- The benefits all plans cover including free preventive care
- Types of plans
- 6 questions to ask before you buy
- Ways to save
- Common questions after you buy
- Using health insurance
Other helpful linksHealth insurance costs explained Get in-person help Check if you qualify for financial help