To be eligible to buy health insurance through Connect for Health Colorado, an individual must:

(1) Be lawfully present in the United States;

(2) Reside in and/or be a resident of Colorado;

(3) Not be incarcerated.

Individuals who are not eligible to buy a health insurance plan through Connect for Health Colorado can still apply for others in their household who are eligible.

Health insurance companies organize their plans into these different coverage levels (sometimes called “metal tiers”): Bronze, Silver, Gold, and Catastrophic. Each level represents a plan’s general approach to sharing costs with you.

You can apply your financial help to any one of the metal tier plans, except for the Catastrophic plans. Although prices vary between plans and insurance companies, all Colorado Option plans have the same benefits, copayments, deductibles and out-of-pocket maximum costs within a specific coverage level across all health insurance companies.

Learn more about the difference between metal tiers.

In order to qualify for financial help, you must:

(1) Buy your health insurance plan through Connect for Health Colorado.

(2) Meet the income requirements based on your household size (Check the Quick Cost & Plan Finder to see if you qualify).

(3) Not already have access to health coverage that is affordable and meets certain standards.

You can determine which financial help programs you and your family qualify for by completing an application.

No. As part of the Affordable Care Act, a health insurance company cannot deny your health coverage for any reason, including your health history, a high risk job, or a preexisting condition.

Starting with the 2019 tax year, there is no requirement for individuals to have a Qualified Health Plan or pay a penalty for not having a plan.

Check out our guide to using your health insurance. We offer helpful suggestions and tips about how to get the most value from your health insurance. Also, your health insurance company can help you understand and use your health insurance. Contact your health insurance company’s customer service center with questions regarding what doctors you can see, how much certain services or medications may cost you, or other health plan-specific questions.

If you forgot your password or you are locked our of your account, click here or call 855-752-6749 reset your password. If you forgot your email/username, click here.

When starting the application, you should indicate that you are interested in receiving financial help to lower the cost of health insurance. Connect for Health Colorado will determine your eligibility for financial help based on the cost of insurance where you live, household size, and your household’s estimated gross income for the year during which you are receiving the credit. If you overestimate or underestimate your income and receive more or less tax credit than you were actually eligible for, the difference will be reconciled by the IRS when you file your federal income taxes. For this reason, it is important to report changes in income, household size and address to Connect for Health Colorado.

If you qualify, you can choose to receive the Advance Premium Tax Credits in one of two ways:

(1) Claim some or all of the tax credit in advance, which means the credit will go directly to the insurance company to lower your monthly premium.

(2) Receive the tax credit in a lump sum when you file your taxes.

Once your Medicare Part A coverage starts, you will not qualify for the premium tax credit through Connect for Health Colorado (you’d have to pay full price). In most cases, you should call us to end your coverage through Connect for Health Colorado before starting your Medicare coverage to avoid an overlap in coverage.

If you enroll in Medicare after your Initial Enrollment Period ends, you may have to pay a Part B late enrollment penalty for as long as you have Medicare. Call Social Security at 1-800-772-1213 for information about enrolling in Part B.

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