When Can I Buy Insurance?

Open Enrollment has closed. Coloradans can still buy 2019 health insurance under certain scenarios, including getting married, having a baby, and losing job-based coverage.

Life change events

When you experience one of these scenarios (also called “Life Change Events”), you have a 60-day window to buy or change your plan, known as a Special Enrollment Period.

Events include but are not limited to:

  • Loss of minimum essential coverage (job-based coverage or Health First Colorado, Colorado’s Medicaid program)
  • Birth of a baby, adoption of a child or placement of a child for foster care
  • Getting married
  • Gain of lawful presence
  • Change of dependency status of someone on your plan
  • Turning 26 and aging off your parent’s plan
  • Move to a new permanent address in your state – certain conditions apply
  • Changes in your income that affect the amount of Cost-Sharing Reductions (lower out-of-pocket costs) you qualify for
  • Changes in your income that make you newly qualify for Premium Tax Credit (lower monthly costs)
  • Changes in your income that make you no longer qualify for the Premium Tax Credit (lower monthly costs)
  • Leaving incarceration
  • Change of tribal status
  • Starting/ending AmeriCorps service
  • Incorrectly or inappropriately enrolled in a health plan due to an error or omission on the part of Connect for Health Colorado or someone working in an official capacity to help you enroll
  • Violation of the contract you had with your health insurance carrier
  • Loss of an exemption to purchase health insurance coverage
  • Change in affordability of employer-sponsored insurance

Contact us right away to report the changes in your household. We will let you know if you qualify for a Special Enrollment Period. Your health insurance company may ask you to show proof of the Life Change Event. Here is a guide to the process.

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