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You can cancel your health insurance plan through Connect for Health Colorado anytime by contacting the Client Service Center and requesting a termination. However, you will not be able to enroll in a new plan until the next Open Enrollment Period unless you experience a Life Change Event. (This could result in a gap in coverage.) In most cases, when you cancel your health insurance plan, the termination date of the plan will be effective the first of the following month. For example, if you cancel your coverage on July 20, you will be covered through the end of July and your termination date will be effective August 1.
Newly Qualify for Health First Colorado
If you are enrolled in a health insurance plan through Connect for Health Colorado and later qualify for Health First Colorado (Colorado’s Medicaid program), you will still need to call us to request to cancel your plan. This is because you can choose to stay enrolled in the plan. However, you will no longer qualify for financial help to lower the monthly cost.
To Cancel Your Coverage
Fax or mail our Client Service Center:
Connect for Health Colorado
P.O. Box 35681
Colorado Springs, CO 80935
Phone: 855-PLANS-4-YOU (855-752-6749)
If you experience a change that may affect your health insurance options, such as marriage, the birth or adoption of a child, a move, or a change in income, you should report it to Connect for Health Colorado within 30 days of the event. Connect for Health Colorado will determine if you qualify for a Special Enrollment Period or if your eligibility for financial help has changed.
If you are a new customer, learn if you are eligible to shop through Connect for Health Colorado.
Note: You should report changes to Connect for Health Colorado as soon as possible to avoid receiving more Premium Tax Credit than you qualify for. If you receive excess Premium Tax Credit during the year, you may be required to pay some or all of it back when you file your federal income taxes.
If you made a mistake that may affect your eligibility for health insurance plans or financial help, such as an incorrect income entry, household size, or address, you can contact the Client Service Center to report the change at 1-855-PLANS-4-YOU (855-752-6749). If you accidentally selected the wrong plan or would like to select a different one and are outside of the Open Enrollment Period, you will need to wait until the next Open Enrollment Period or until you experience a Life Change Event.
Note: Do not submit multiple changes through Colorado PEAK or Connect for Health Colorado’s website to correct a mistake. This will only compound the issue.
I already have insurance through the Marketplace, and the Open Enrollment Period is coming up. What do I need to do?
If you already have insurance through Connect for Health Colorado, your coverage will end at the end of the year. There are two things you need to think about. First, do you want to stay on the same plan next year? Second, will you be able to receive the same amount of financial help next year?
Plan Options: You may be eligible for auto-renewal. This means that you will be automatically enrolled in the same plan next year without you needing to do anything. However, you do not have to stay in your current plan. You can come back to Connect for Health Colorado to shop for and buy a new plan during the Open Enrollment Period. Keep in mind, it is common for plans to change from year to year. It’s important to see if and how your plan is changing to know if it’s still right for you. Your health insurance company and Connect for Health Colorado will reach out to you to tell you about any changes that are taking place, and you can always contact your insurance company with questions. If you are not eligible for auto-renewal you will be notified of your other options by your insurance company and Connect for Health Colorado. You will need to come back to Connect for Health Colorado to shop for and buy a new plan during the Open Enrollment Period.
Financial Help Options: You may be eligible for auto-re-determination of financial help. This means that we will figure out how much financial help you are eligible for next year without you needing to do anything. However, if you expect your income to be different next year, contact us or report a change to your application to make sure you receive the right amount of financial help. If you have also experienced a Life Change Event such as moving, getting married, or having a baby, you should contact Connect for Health Colorado and update your current financial help application to have your eligibility for financial help re-determined. If you are not eligible for auto-re-determination, we will notify you and ask you to update or submit a new financial help application through Connect for Health Colorado.