Welcome to Connect for Health Colorado®, the only place to apply for financial assistance to help reduce your costs and get access to a statewide network of free, in-person assistance.
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 your health and financial future. Did you know the average cost of a 3-day hospital stay is $30,000? Or that fixing a broken leg can cost up to $7,500? Having health coverage can help protect you from high, unexpected costs like these. Broken bones, disease and other chronic conditions aren’t political and can happen at any time. Most are treatable and in some cases preventable if you have access to care and health insurance. Join the thousands of Coloradans who already signed up for 2017 health insurance.
Open Enrollment ended on January 31st but Coloradans with certain Life Change Events may still be able to apply. If you fall into one of these categories and are eligible to shop, you can get access to financial assistance to help lower your monthly health insurance costs AND you avoid a tax penalty.
You have three options to get covered:
Coverage through Your Parents
If you are under age 26, you may be able to get health insurance through your parents’ health insurance plan.
Colorado Young Adult (CYA) Plans
If you are between the ages of 18 and 29*, you can buy one of our Colorado Young Adult, or CYA, plans. CYA plans are designed for people who are in good health. These plans typically have a high deductible and lower premium and are designed to protect you from high cost emergencies. CYA plans cover three primary care visits per year at no cost, even before you’ve met your deductible. They also cover some preventive services for free. Advance premium tax credits and cost-sharing reductions cannot be used to reduce the cost of CYA Plans. These plans are also be available to certain Coloradans with low incomes. CYA plans may also be referred to as a catastrophic plan or catastrophic coverage.
*CYA plans cover only individuals who have not reached the age of 30 prior to the first day of the plan year or have received a certificate of exemption from the federal shared responsibility requirement based on hardship and affordability.
Our traditional health insurance plan options are arranged by coverage level: bronze, silver, gold and platinum. These coverage levels are based on the percentage of the costs you would pay for receiving services and the costs the carrier would pay. Learn more on how to choose the right plan for you!
Here’s how to get started:
- See if you qualify for financial assistance.
- Before you shop, quickly browse our 2017 plans. Find a plan that includes your doctor and medications. Save and print a PDF of your selections to assist you when you are ready to complete an application and shop.
- Find free, in-person help. Find an expert in your area to help you throughout the process. We have walk-in Enrollment Centers, along with certified Brokers and Assisters throughout the state ready to help you in person and free of charge. Make sure to have these documents with you.
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.
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 varies 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 a 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? Avoid the Penalty Lower Your Costs Find the Right Plan