Ways to Save

Apply for financial help

Even if you think you make too much to qualify, but you may be surprised! If you are an individual making up to $48,560 per year or a household of four making up to $100,400 per year, you may be eligible for financial help if you are unable to get coverage through an employer or another source. Learn more about the two types of financial help available only through Connect for Health Colorado.


income levels


Estimate your savings - you may be surprised!

Compare your plan options

It pays to shop! You can save as much as 80% on average on your health insurance if you qualify for financial help.

It’s important to remember that the premium alone should not be your only consideration when choosing a plan. You should factor in out-of-pocket costs such as co-pays, deductibles and prescriptions, as those will affect what you pay for care through the course of the year. You may pay less each month but owe more when you need care. Our certified Brokers can help evaluate benefits that meet your health and financial needs. They are experts at recommending plans that suit specific situations. For example, if a plan’s benefits do not include the necessary coverage for managing ongoing conditions like diabetes and other chronic conditions, you may end up not getting the care you need or paying substantially more. Get help from a certified Broker.

Note for our customers who are currently NOT receiving financial help: Due to changes in how the plans are organized for 2019, Gold and Bronze plans will likely be a less expensive option.

metal tiers for coverage

Stay in-network

Select a plan that includes your preferred doctor as “in-network.” Going to a doctor or facility that is considered “out-of-network” will cost you more, likely the full bill. Also, make sure that your plan covers your preferred medications. Use our Quick Cost & Plan Finder tool to compare plans that include your preferences and get a sense of your out-of-pocket costs.

Consider generic medications

There may be multiple brand and generic medications that address the same health issue. Generic options cost less than the brand name drugs and are typically covered by a larger number of health plans. Ask your doctor if a generic is right for you.

Use the free, preventive services

Take advantage of the many free, preventive services like check-ups, vaccinations, smoking cessation, screenings for breast cancer, cholesterol and diabetes, and more cancer screenings, immunizations, smoking cessation, and well-baby and well-child visits that are covered by all health plans available through Connect for Health Colorado when delivered by a doctor or other provider in your plan’s network. Make sure you take advantage of these free services (even if you haven’t met your deductible) to stay healthy throughout the year – and save you money in the long run!

Be Insurance Smart

Shopping for health insurance can feel overwhelming. Check out these six questions to use as a starting point to think through your needs and help you select a plan for you and your family. You can also download this worksheet to help you gather up important details and think through key factors that will impact your buying decision. Then refer to your answers as you compare plans online or bring this along when you visit with a Broker or Assister who are available across Colorado to help you in-person.

If you are a bit unsure about some of the health insurance jargon used to describe the plan benefits, walk through the key elements that determine how much you pay or look through the glossary.

We also offer some helpful tips on how to use your health insurance wisely.

Do you qualify for financial help? You may be surprised!
Compare plans & prices
Health insurance costs explained
6 questions to ask before you buy health insurance