Welcome to Connect for Health Colorado®, the only place where you can apply for financial help to lower the cost of your health insurance. Here you can choose from a broad range of comprehensive health insurance and dental plans – all of which include free preventive services and coverage for pre-existing conditions. Join the thousands of Coloradans receiving financial who protected their health and finances for just $136 per month, on average.
Now is the time to buy your 2019 health insurance
Open Enrollment is the window of time you can purchase your health insurance for 2019. Outside of this window, you can only purchase health insurance if you experience a Qualified Life Change Event. Be sure to enroll in by December 15th to begin your coverage on Jan. 1, 2019. Note: You may still be able to buy health insurance for the remainder of 2018 if you experience a Qualified Life Change Event.
2019 coverage begins
Three options to get covered
Through your parent’s plan
If you are under age 26, you may be able to stay on your parent’s health insurance plan if they are willing. However, if you are going to school or live out-of-state, be aware that your parent’s health insurance plan may not make sense for you. Most health insurance plans have a provider network that is limited to a specific local area and therefore won’t work out-of-state.
Catastrophic health insurance plans
If you are under the age of 30*, you can buy a catastrophic plan. Catastrophic plans are designed for people who are in good health and want protection from high-cost, worst-case situations like a serious injury or illness. This type of plan typically has a lower monthly premium and very high annual deductible. Catastrophic plans cover (you pay a co-pay) at least three primary care visits during the plan year, as well as some preventive services at no cost when delivered by an in-network provider, but you will pay ALL other medical costs until the annual deductible is met. Then the plan pays 100% for covered services for the rest of the plan year. Financial help in the form of Premium Tax Credits and Cost-Sharing Reductions may not be used with this type of plan.
*To be eligible for a catastrophic plan, you must be under 30 on the first day of the plan year OR have a hardship exemption.
Traditional health insurance plans
Our traditional health insurance plan options are arranged into three coverage levels – Gold, Silver and Bronze – to help you narrow your options based on your budget and health need. These levels show, on average, how much of the cost of medical services is covered by the health insurance company and how much is paid for by the customer. Learn more about health insurance and the questions to ask before you buy.
Are you leaving money on the table? You may be surprised!
Many Coloradans assume they make too much to qualify for financial help. Depending on your income and family size, you may qualify for Premium Tax Credits and Cost-Sharing Reductions to lower your monthly health insurance costs. Coloradans receiving financial help are paying just $136 per month, on average, for their health insurance. Use our Quick Cost & Plan Finder tool to see how much you may save.
Do you qualify for financial help to reduce your costs?
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
Compare plans and prices before you shop
Use our quick and easy online tool to compare plans based on what matters to you most – covered doctors and medications, monthly premium, estimated total healthcare cost for the year and more!Compare plans and prices
Get in-person help
Shopping for health insurance can be complicated, but you don’t have to do it alone. Across Colorado, from Durango to Greeley, we are ready to help you in-person. Get help in your area.