Our hearts are with everyone impacted by the wildfires affecting our state.

Yes, to support Coloradans who need health insurance coverage, we are opening a Special Enrollment Period from July 14 – September 12. If you’ve lost health insurance coverage or need health insurance, we’re here to help.

A: Cigna announced it will no longer offer individual medical planning beginning in 2027. This change is not limited to Connect for Health Colorado, Customers enrolled through Connect for Health Colorado, Colorado Connect or directly with Cigna will be affected.

If you are currently enrolled in a Cigna medical plan, your insurance coverage remains in place through December 31, 2026.

Impacted customers qualify for a Special Enrollment period until March 1, 2027. You may use this time to enroll in a different plan if you choose. Customers who wish to change plans before Open Enrollment begins on November 1, 2026, should call the Customer Service Center at 855-752-6749.

Health insurance companies set the premiums for their health plans each year. Before those rates can take effect, they are reviewed by the Colorado Division of Insurance to make sure they meet state and federal laws and are based on the expected cost of providing coverage.

Many factors can affect the cost of health insurance, including the overall cost of medical care, prescription drugs, the cost of care that hospitals and providers deliver but are not paid for, the health needs of people enrolled in health plans and changes in state or federal laws. If you qualify for financial help, federal premium tax credits and state-based premium subsidies can help lower your monthly premium.

Connect for Health Colorado does not set or approve health insurance rates. Our role is to provide a marketplace where you can compare plans, see if you qualify for financial help, and choose the coverage that best fits your needs and budget.

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.