{"id":63208,"date":"2023-11-01T11:41:22","date_gmt":"2023-11-01T17:41:22","guid":{"rendered":"https:\/\/uat-internal.connectforhealthco.com\/?p=63208"},"modified":"2023-11-01T11:41:24","modified_gmt":"2023-11-01T17:41:24","slug":"open-enrollment-for-health-insurance-in-colorado-starts-today","status":"publish","type":"post","link":"https:\/\/connectforhealthco.com\/es\/open-enrollment-for-health-insurance-in-colorado-starts-today\/","title":{"rendered":"Open Enrollment for Health Insurance in Colorado Starts Today"},"content":{"rendered":"\n

Your guide to shopping and saving money on health plans<\/em><\/p>\n\n\n\n

DENVER<\/strong>\u2014 Open Enrollment for 2024 health insurance coverage starts today in Colorado, and people can expect more savings than ever before due to federal changes and innovative state programs.<\/p>\n\n\n\n

Save on Monthly Costs<\/strong><\/p>\n\n\n\n

As the state\u2019s official health insurance marketplace, Connect for Health Coloradois the only place where residents can qualify for and receive financial help<\/a> for their health insurance.<\/p>\n\n\n\n

The American Rescue Plan Act, which passed in 2021 and provides enhanced Advance Premium Tax Credits, is still in effect. That means people can continue to expect a higher level of financial help and people with higher incomes can now qualify. Currently, 77 percent of Connect for Health Colorado customers get financial help<\/strong> to lower the cost of health insurance. This year, three out of five Connect for Health Colorado enrollees will have a plan available to them with a premium of less than $10 per month.<\/strong><\/p>\n\n\n\n

To Renew or Not to Renew?<\/em><\/strong><\/p>\n\n\n\n

Many Connect for Health Colorado customers qualify for automatic plan renewal and can expect a notice from the marketplace with information about their plan renewal options in early November.<\/p>\n\n\n\n

Because of the way financial help is calculated to offset premium costs, 56 percent of Coloradans receiving financial help through Connect for Health Colorado will see either no change or a decrease in their premiums<\/strong> if they automatically renew in the same plan in 2024.<\/p>\n\n\n\n

However, plan prices and options change every year, and many Coloradans can find a more affordable plan if they change plans.<\/strong> In fact, 95 percent of Coloradans receiving financial help will be able to find a premium that is equal to or less than their current premium just by shopping<\/strong> for a new plan within their same metal tier (e.g., Silver to Silver, Gold to Gold) for coverage in 2024.<\/p>\n\n\n\n

Significant Savings When You Buy a Silver Plan<\/strong><\/strong><\/p>\n\n\n\n

People shopping on Connect for Health Colorado can qualify for even more <\/strong>cost-sharing reductions<\/strong><\/a> than last year or previous years. That’s because of Colorado\u2019s Health Insurance Affordability Enterprise<\/a>, which provides additional, state-funded financial help to people shopping in the individual market.<\/p>\n\n\n\n

The enhanced cost-sharing reductions financial help further <\/em>lowers deductibles, out-of-pocket maximums, copayments, prescriptions, and more for people who qualify.<\/p>\n\n\n\n

While the Enterprise has provided customers on Connect for Health Colorado\u2019s marketplace with additional cost-sharing reductions since 2022, the Enterprise decided to expand those enhanced cost-sharing reductions to people up to 250 percent of the poverty level (see chart below) starting in Plan Year 2024. People with qualifying income who enroll in a Silver-level plan will receive cost-sharing reductions at the 94 percent level, meaning your health insurance company will pay for 94 percent of all medical costs, on average.<\/strong><\/p>\n\n\n\n

Household Size<\/strong><\/td>You qualify for enhanced cost-sharing reductions if your income is less than…<\/strong><\/td><\/tr>
1<\/strong><\/td>$36,450<\/td><\/tr>
2<\/strong><\/td>$49,300<\/td><\/tr>
3<\/strong><\/td>$62,150<\/td><\/tr>
4<\/strong><\/td>$75,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

The enhanced cost-sharing reductions will be automatically applied to Silver-level plans when eligible customers are shopping and enrolling on Connect for Health Colorado.<\/p>\n\n\n\n

With these new, enhanced cost sharing reductions, customers currently enrolled in Silver<\/a> plans could see their deductibles lowered from an average of $3,446 to an average of $65, a 98 percent decrease.<\/strong> Additionally, they will see their maximum out-of-pocket costs decrease 77 percent, from an average of $7,257 to an average of $1,670. <\/p>\n\n\n\n

Connect for Health Colorado customers who are not enrolled in a Silver<\/a> plan can see huge savings by switching to a Silver<\/a> plan<\/strong>. For example, those who are currently enrolled in Bronze<\/a> plans could see a 99 percent decrease in their deductibles, from an average of $6,823 to $65, by switching to a Silver<\/a> plan. Those who are currently enrolled in Gold<\/a> plans could see a 95 percent decrease in their deductibles, from an average of $1,409 to $65, by switching to a Silver<\/a> plan.<\/p>\n\n\n\n

\u201cWe say it every year, but it\u2019s truer this year than ever before\u2014it really, really pays to shop,\u201d <\/strong>said Connect for Health Colorado\u2019s Chief Executive Officer, Kevin Patterson. \u201cThanks to innovative state programs, we\u2019re offering more financial help to customers on top of the expanded federal financial help that is still in effect. I implore all people shopping on our marketplace to use our tools and experts to find the best plan and take advantage of these savings.\u201d<\/strong><\/p>\n\n\n\n

Quickly Check Plans and Prices<\/strong><\/strong><\/p>\n\n\n\n

Six health insurance companies<\/a> are offering health insurance plans on Connect for Health Colorado this year, with one new company, Select Health, entering the market. People should use the Quick Cost and Plan Finder tool<\/a> to get an estimate of financial help and to see all their plan options.<\/p>\n\n\n\n

\u00abHaving health insurance is absolutely critical. Not only does it make routine care like check-ups, vaccinations and maintenance drugs more accessible and affordable,\u201d<\/strong> said Colorado Insurance Commissioner Michael Conway, \u201cbut it also helps protect finances when a major accident or illness happens. There are many plans to choose from, including Colorado Option plans which offer a number of $0 or low-cost benefits, and many ways of finding financial help. I urge everyone to take advantage of open enrollment and get covered for 2024.\u00bb<\/strong><\/p>\n\n\n\n

Year Two of the OmniSalud Program <\/strong><\/strong><\/p>\n\n\n\n

Today marks the start of the second Open Enrollment Period for Colorado Connect, Connect for Health Colorado\u2019s public benefit corporation and online enrollment platform. Colorado Connect is home to the OmniSalud program<\/a>, which provides undocumented Coloradans with a safe way to compare affordable health insurance plans, get financial help if eligible, and enroll securely.<\/p>\n\n\n\n

Last month, the Colorado Division of Insurance announced<\/a> that for 2024, it would increase the availability of financial assistance for health insurance in the OmniSalud program to 11,000 individuals, a 10 percent increase from 10,000 individuals in 2023. <\/p>\n\n\n\n

\u201cI\u2019m elated by the additional financial help we can offer for 2024. We saw an astounding response to the OmniSalud program when it launched last year, and we\u2019re truly grateful that we can continue to strengthen this innovative program,\u201d<\/strong> said Patterson.<\/p>\n\n\n\n

People who are interested in enrolling in the OmniSalud program are strongly encouraged to contact a certified Broker or enrollment Assister. Find help by visiting the OmniSalud Help website page<\/a>.<\/p>\n\n\n\n

Get Help<\/strong><\/p>\n\n\n\n

Connect for Health Colorado offers free enrollment assistance from certified Brokers and community-based Assisters. A certified Broker can review plan options, give advice, check networks, and suggest a new plan. Find a Broker, Assister, or visit an Enrollment Center<\/a> near you.<\/p>\n\n\n\n

###<\/p>\n\n\n\n

Media Contact<\/strong><\/p>\n\n\n\n

M\u00f3nica Caballeros, Connect for Health Colorado, mcaballeros@c4hco.com<\/a>, 720-576-7995<\/p>\n\n\n\n

About Connect for Health Colorado<\/strong><\/p>\n\n\n\n

Connect for Health Colorado is a public, non-profit entity established by the Colorado General Assembly in 2011 to create a health insurance Marketplace. Since 2013, we\u2019ve been helping individuals, families and small employers compare plans, apply for financial help and buy health insurance. As Colorado\u2019s official health insurance marketplace, we are the only place to apply for financial help to lower the monthly cost of premiums. Customers can shop online; get help by phone or online chat from Customer Service Center representatives; and access expert help from a statewide network of certified Brokers and community-based Assisters. For more information:  ConnectforHealthCO.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Your guide to shopping and saving money on health plans DENVER\u2014 Open Enrollment for 2024 health insurance coverage starts today in Colorado, and people can expect more savings than ever…<\/p>\n

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