Colorado Option plans were created by the Colorado Option law. The law requires all health insurance companies in the state to offer these standardized health plans at the Bronze, Silver, and Gold coverage levels.

Colorado Option plans are designed to provide more cost/benefit transparency and have lower costs for many services. The benefits, copayments, deductibles and out-of-pocket maximum costs are the same for all Colorado Option plans within a specific metal tier (Bronze, Silver, or Gold) across all health insurance companies.

Colorado Continuation and Conversion was created by the Colorado legislature to fill gaps left by COBRA. If you work for a small business, you may be offered Colorado Continuation and Conversion coverage.

Connect for Health Colorado does not administer COBRA or Colorado Continuation. Learn more about Colorado Continuation by visiting the Department of Labor’s website.

The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that gives certain employees and their dependents the right to choose to continue group health coverage (e.g. health coverage through their employer) for a limited period of time under certain circumstances, such as job loss or a reduction in work hours. Learn more about COBRA by visiting the Department of Labor’s website.

Connect for Health Colorado is the state’s official state-based health insurance marketplace created as part of the Affordable Care Act. It is the only place individuals and families can qualify for financial help to lower the cost of private health insurance.

For more information, visit our About Us page.

Premium rates are calculated using three criteria: age, the region of the state you live in, and tobacco use. Your gender, pregnancy status, health history, and other personal information will not be considered in the calculation of rates.

All rate and plan information can be found at the Colorado Division of Insurance website.

If you are experiencing issues while trying to enroll, please read through the following to troubleshoot the issue prior to notifying Connect for Health Colorado. If none of the following resolves or pertains to the issue, please give us a call and provide us with as much detail as possible.

(1) Reboot. Try rebooting before reporting any IT related incident or problem.

(2) If using Internet Explorer, make sure the compatibility mode is checked off.

(3) If you are noticing an issue that you think is part of a bigger problem or outage, please check with coworkers nearby to confirm the impact before contacting support. This helps us understand the scope of the problem.

(4) Try to reboot your system at least once every 3 days. Only locking your system when you leave each evening can cause performance problems.

Submit a complaint related to your enrollment experience through our online form.

To dispute your application results, submit a formal appeal.

Submit a complaint about your health plan by contacting your health insurance company directly.

You can also contact the Department of Insurance by filing an online request. To speak with a Consumer Affairs representative, call: (303) 894-7490 or (800) 930-3745 if calling from outside of the Denver metro area.

In general, if you are enrolled in, or qualify for, any of the following types of coverage, you would not qualify for financial help through our Connect for Health Colorado Marketplace:

(1) Employer coverage, unless the coverage is unaffordable (defined as your contribution to the premium for self-only coverage costs more than 9.78% of your household income) or does not meet minimum value.

(2) Government-sponsored coverage, including Health First Colorado (Colorado’s Medicaid program), Child Health Plan Plus (CHP+), Medicare Part A coverage, Peace Corp coverage, Veterans Affairs (VA) health coverage and TRICARE coverage.

The best way to find out if you or members in your household qualify for financial help is to complete an application.

In general, if you are enrolled in, or qualify for, any of the following types of coverage, you would not qualify for financial help through our Connect for Health Colorado Marketplace:

(1) Employer coverage, unless the coverage is unaffordable (defined as your contribution to the premium for self-only coverage costs more than 9.78% of your household income) or does not meet minimum value.

(2) Government-sponsored coverage, including Health First Colorado (Colorado’s Medicaid program), Child Health Plan Plus (CHP+), Medicare Part A coverage, Peace Corp coverage, Veterans Affairs (VA) health coverage and TRICARE coverage.

The best way to find out if you or members in your household qualify for financial help is to complete an application.

You can apply for coverage and financial help through Connect for Health Colorado in any of the following ways:

(1) Online – Complete your application online at ConnectforHealthCO.com.

(2) With a local, certified expert – Complete your application with a certified Broker or at a local Assistance Site with a Health Coverage Guide or Certified Application Counselor.

(3) Telephone – Call 1-855-752-6749, TTY at 1-855-346-3432, Monday- Friday, 8 am to 6 pm.

(4) Post mail – Mail a paper application to: Connect for Health Colorado Individual Applications 4600 South Ulster Street, Suite 300 Denver, CO 80237

Completing an application will let you know what financial help programs you and your family are eligible for. To receive the financial help, you must buy a health insurance plan through Connect for Health Colorado. You will not be able to receive financial help if you buy the health insurance plan directly from the health insurance company.