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. With the Affordable Care Act, more people now have access to more health insurance options. Now you can:

View 2015 Plans TodayGet started by browsing for the plan that fits your needs. Get Free In-person HelpQuestions? We have a team of specialized staff to answer your questions.

Important Dates

Nov. 15th
Open Enrollment begins you can enroll in whatever coverage you select.
Dec. 15th
Deadline to select coverage beginning January 1.
Dec. 25th
Deadline to pay your insurance provider or to make changes for coverage beginning January 1. After that time, you cannot make changes to your plan selection for 2015.

See if you Qualify for Financial Help

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.

financialassistance

Calculate your savings now!

Three kinds of financial help…

  1. Medicaid

    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.

  2. Tax Credits

    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

  3. Cost-sharing reductions

    You may qualify for a subsidy that reduces your out-of-pocket expenses.

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Easily Compare and Shop

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
Platinum 90% 10%
Gold 80% 20%
Silver 70% 30%
Bronze 60% 40%

All plans offered through Connect for Health Colorado provide comprehensive coverage, including:

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • 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
Selecting a PlanLearn more about factors you should consider when selecting a plan.

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Avoid a Tax Penalty

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.

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

Exceptions:

  • 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.

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