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!
Get coverage outside the Open Enrollment Period
There are certain situations that may allow you to shop for a new plan or update an existing plan outside of the Open Enrollment Period.
If you have certain qualifying life change events like moving to a new permanent address in Colorado, certain changes in your income and changes in your family size (for example, if you marry, divorce or have a baby), you may be eligible to enroll or change your health insurance coverage outside of the Open Enrollment Period.
If you think this applies to you, please call the Customer Service Center at 855-PLANS-4-YOU (855-752-6749).
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 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.
- If your income goes up or you lose a member of your household: You may qualify for less savings than you’re getting now. If you don’t report the changes, you could wind up having to pay money back when you file your federal tax return for the year.
- If your income goes down or you gain a household member: You could qualify for more savings than you’re getting now. This could lower the amount you pay in monthly premiums. You could also qualify for Health First Colorado (Colorado’s Medicaid Program) or Child Health Plan Plus coverage.
If you would like to make any of these changes, call the Customer Service Center at 1-855-PLANS-4-YOU (855-752-6749).
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 or can call our Customer Service Center.
Change your 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 855-PLANS-4-YOU (855-752-6725).
If you purchased health insurance through our Marketplace without applying for financial assistance but you have experienced 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 the cost of your monthly premiums. Please call the Customer Service Center, 855-PLANS-4-YOU (855-752-6725).
Find out if you qualify for financial assistance.
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.Can I still enroll? See How to Lower Your Costs How to Choose the Right Plan for You Need help?