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. Open Enrollment ended on February 15th and you may only enroll if you have certain life events that allow you to have a special enrollment period. Don’t forget about your eyes and teeth! You can purchase vision or dental insurance year-round.
With the Affordable Care Act, more people now have access to more health insurance options. Now you can:
- Get financial assistance (if you qualify). Use our quick checklist to make sure you have all the information ready before applying!
- View and compare all plans available in your area
- Buy a health insurance plan regardless of a pre-existing condition
- Access free, expert, in-person help from our network of certified Brokers and Health Coverage Guides
- Feb. 15th
- Deadline to get coverage for 2015, unless you have a qualifying life change event.
- Nov. 1st
- Open Enrollment begins for 2016 coverage.
Coloradans can buy health insurance as a new customer with a qualifying life event, which include:
- Loss of adequate health insurance coverage (also known as minimum essential coverage)
- You moved to Colorado
- Employer-sponsored insurance becomes unaffordable
- Gain of citizenship or legal immigration status
- Change in incarceration status (you were released from prison/jail)
- Loss of eligibility for the exemption to purchase health insurance coverage
- You show that your existing health plan has substantially violated a provision of its contract
If this describes you, you can shop for health insurance as a new customer. See below for more information on how to get started before setting up an account and purchasing a plan.
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.
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.
Calculate your savings now!
Three kinds of financial help…
Free or low cost public health insurance for Coloradans who qualify. If you think you may qualify, you can apply and find a provider who accepts Medicaid.
Connect for Health Colorado is the only place where you can apply for financial assistance to help reduce your costs. Learn more about how the credits are calculated
You may qualify for a subsidy that reduces your out-of-pocket expenses.
With the Marketplace, you can compare plans, prices and benefits all in one place.
Plans are arranged into four levels of coverage: platinum, gold, silver and bronze. These levels show, on average, how much of the costs of covered medical services are covered by the carrier and how much are paid for by the customer. Platinum plans will generally have the highest monthly premiums, while the consumer will pay the least for covered medical services. Bronze plans will generally have the lowest monthly premiums, while the consumer will pay the most for covered medical services. Coverage levels are also known as metal tiers.
|Coverage Level||Percentage of average expenses paid by health plan||Percentage of average expenses paid by consumer|
All plans offered through Connect for Health Colorado provide comprehensive coverage, including:
- Ambulatory patient services
- Emergency services
- Maternity and newborn care
- Mental health and substance use disorder services, including behavioral health treatment
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care
It’s the law. All U.S. citizens and legal residents are required to have health insurance. If you do not, you could face a tax penalty from the federal government. Health insurance can include employer-provided insurance, coverage you buy on your own, Medicaid or Medicare. If you are uninsured for just part of the year, 1/12th of the penalty applies to each month you’re uninsured. If uninsured for no more than 2 months of the year, you don’t have to make a payment.
|Federal Tax Penalty by Year|
|2014||1% of household income or $95 per person, whichever is greater|
|2015||2% of household income or $325 per person, whichever is greater|
|2016||2.5% of household income or $695 per person, whichever is greater|
- People who qualify for religious exemptions
- Undocumented immigrants
- People who are incarcerated
- Members of federally-recognized tribes and certain other Native Americans
If you believe you might qualify for any of the above exemptions – or if any of the circumstances below applies to you, find the appropriate forms and more information.
- Were homeless.
- Were evicted in the past 6 months or were facing eviction or foreclosure.
- Experienced a fire, flood, or other natural or human-caused disaster that caused substantial damage to your property.
- Filed for bankruptcy in the last 6 months.
- Had medical expenses you couldn’t pay in the last 24 months.