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 9.96%* 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.

*percentage as of 2026

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 1-855-695-5935, Monday- Friday, 8 am to 5 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.

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.

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