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.

We recommend using the latest version of one of these web browsers:
• Google Chrome
• Mozilla Firefox
• Microsoft Edge

Use a Desktop or Laptop Computer
Tablets and mobile devices are not compatible with our application software, but you may browse the rest of the website on your tablet or mobile device prior to signing in and shopping.

Clear Your Browser Cache & Cookies
If you experience any problems using our application software, we recommend you clear your browser cache and cookies. Please know this may remove any saved websites or saved passwords stored in your web browser.

Contact our Customer Service Center at 855-752-6749 to request a termination of your plan. Your plan will end at the end of the month in which you contact us.

The quality ratings are based on the experiences reported by customers and are rated from one to five stars.  A one star rating is the lowest and a five star rating is the highest. The experiences reported come from customer survey results and measurements of clinical quality.

The Federal Poverty Level is a measure of income level issued annually by the Department of Health and Human Services. Federal poverty levels are used to determine your eligibility for certain programs and benefits.

Connect for Health Colorado offers a variety of health insurance plan types, including HMOs, EPOs, and HSAs, from a total of 6 health insurance companies. The health plans available to you are based on where the health insurance companies choose to sell. All Marketplace health plans are submitted to and approved by the Division of Insurance.

New this year: Colorado Option plans. 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. This makes it easier to compare plans and know how much you’ll pay for the most common services.

All health insurance plans offered by our Marketplace include Essential Health Benefits, including:
• Ambulatory patient services
• Emergency services
• Hospitalization
• Maternity and newborn care
• Mental health and substance use disorder services, including behavioral health treatment
• Prescription drugs
• Rehabilitative and Habilitative services and devices
• Laboratory services
• Preventive and wellness services and chronic disease management
• Pediatric services, including oral and vision care

Most plans from health insurance companies have flexibility in determining how these benefits are covered, and some offer additional services like chiropractic care.

However, Colorado Option plans within each coverage level cover all the same benefits for the same prices, no matter what company you buy from.

You also may have the option to buy stand-alone dental or vision care through Connect for Health Colorado.

You have the right to appeal your application results when you apply to buy a health plan or receive financial help from Connect for Health Colorado. If you were denied Health First Colorado (Colorado’s Medicaid program) or CHP+, you must file an appeal with the county office in which you reside. Connect for Health Colorado cannot process appeals for Health First Colorado or CHP+.

To appeal an eligibility result you received from Connect for Health Colorado, please submit an appeal request form within 30 days of your application results. You can find the appeal form and instructions on how to file an appeal in your application results notice, online, or by calling the Customer Service Center at 855-752-6749.

If you would like someone to help you with the application process, we offer free, expert help from our Certified Brokers and Assisters.