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.

A Small Business Tax Credit is a tax credit designed for small businesses to help offset a portion of their cost of offering health insurance to their employees. The tax credit may cover up to 50% of an employer’s costs or (up to 35% for qualifying non-profits). The Small Business Tax Credit will be available for two consecutive years. Businesses will receive the tax credit when they file their income taxes.

To be eligible, a Colorado employer must:

• Have fewer than 25 full-time equivalent employees (FTEs)
• Have an average employee wage of less than $53,000 a year (as of tax year 2017)
• Pay a minimum of 50% of the premium cost for single coverage for each employee (uniformity rules apply)

To estimate whether or not you may be eligible for a tax credit, you can use our Small Business Tax Credit Calculator.

For more information, visit the IRS website.

The Patient Protection and Affordable Care Act (ACA) was passed by Congress in 2010. Along with the Health Care and Education Reconciliation Act, these two laws make up what is known as the federal health reform law. These laws created a number of changes that primarily affect private and public health insurance programs. Some key changes include:

• A mandate that a health insurance exchange (or “Marketplace”) be established in each state, administered by the state or the federal government.
• An end to lifetime limits on coverage.
• Certain preventive health services, such as annual exams, are free to insured Coloradans.
• Adults cannot be denied health insurance because of a preexisting condition or health history.

For more information on the Affordable Care Act , please visit the federal health reform website.

Tax Dependents

You (the taxpayer), your spouse/partner (if you file taxes jointly), and whoever is claimed as a dependent on your tax return.

Adult Children Up to Age 26

Even if you no longer claim your adult child on your tax return, you can include them on your application and enroll them in your family health insurance plan. You will want to provide their address, income, and tax filing status on the application, which means they may qualify for different financial help programs, or a different amount, than the rest of the household.

Victims of Domestic Violence and/or Spousal Abandonment

You can qualify for financial help, even if you are married and filing separately, if you are the victim of domestic violence and/or spousal abandonment.

Information about tax households, the definition of a dependent, and other tax filing topics can be found on the IRS website.