You may be entitled to have any Medicare late enrollment penalty waived if you disenroll from your Connect for Health Colorado plan and enroll in Medicare. Learn more
3 Recommendations for a Smoother Enrollment:
- Use a Recommended Browser
- Google Chrome v. 52, 53, 54
- Mozilla Firefox v. 48, 49
- MS Internet Explorer 9, 10, 11
- Apple Safari 9, 10
- Use a Desktop or Laptop Computer
Tablets and mobile devices are not compatible with the Marketplace. You may browse the informational portion of the website on your tablet or mobile prior to signing in and shopping. Once you sign in and begin shopping you will experience technical issues and will have to start over using a desktop or laptop.
- Clear Your Browser Cache & Cookies
Before you get started, we recommend you clear your browser cache and cookies. Press the CTRL, Shift and Delete keys at the same time. Select “clear browsing data,” and close ALL your browser windows. Open a new browsing window to get started. Please know this will remove any saved sites or passwords you have enabled sites to store.
If you are experiencing issues while trying to enroll, please read through the following to troubleshoot the issue prior to notifying Connect for Health Colorado. If none of the following resolves or pertains to the issue, please give us a call and provide us with as much detail as possible.
- Reboot. Try rebooting before reporting any IT related incident or problem.
- If using Internet Explorer, make sure the compatibility mode is checked off.
- If you are noticing an issue that you think is part of a bigger problem or outage, please check with coworkers nearby to confirm the impact before contacting support. This helps us understand the scope of the problem.
- Try to reboot your system at least once every 3 days. Only locking your system when you leave each evening can cause performance problems.
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)
You have the right to appeal certain determinations made by Connect for Health Colorado.
- To appeal an eligibility determination you received through Connect for Health Colorado, please follow the instructions provided to you in your determination notice. You can find instructions on how to file an appeal. If you have questions on how to appeal, call the Client Service Center at 1-855-PLANS-4-YOU (855-752-6749).
- To appeal your eligibility determination for an exemption from the requirement to have health insurance, please follow the instructions provided to you in your determination notice. This determination is made by the federal government, and questions on how to appeal should be directed to 1-800-318-2596 (TTY: 1-855-889-4325).
Connect for Health Colorado is the state’s official state-based health insurance marketplace created as part of the Affordable Care Act. It is the only place individuals and families can qualify for financial help to lower the cost of private health insurance, shop based on quality and price, and enroll in coverage. The mission of Connect for Health Colorado is to increase access, affordability and choice for individuals and small employers purchasing health insurance in Colorado.
The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that gives certain employees and their dependents the right to choose to continue group health coverage (e.g. health coverage through their employer) provided by their group health plan for a limited period of time under certain circumstances, such as job loss or a reduction in work hours. Keep in mind:
- If you lose job-based health insurance, you do not have to enroll in COBRA coverage. This circumstance is considered a Life Change Event, which means you will be eligible for a Special Enrollment Period. During this period, you can shop for a new health insurance plan.
- Colorado Continuation and Conversion was created by the Colorado legislature to fill gaps left by COBRA. If you work for a small business, you may be offered Colorado Continuation and Conversion coverage.
- Connect for Health Colorado does not administer COBRA or Colorado Continuation. Learn more about COBRA and Colorado Continuation by visiting the Department of Labor’s 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.
With all the debate over healthcare reform in Washington, D.C. you may be asking yourself “Do I still need health insurance?” The answer is “YES!”. What remains constant and true is that it is important to protect the health and financial future of you and your family. For more information on the Affordable Care Act , please visit the federal health reform website.
For more information on the Minimum Essential Coverage offered by health plans through the Affordable Care Act please see the “What is Minimum Essential Coverage?” FAQ.
Learn more about the future of health coverage in Colorado and what it means to you.
Think we messed up? Please tell us about it. Learn more about how and when to submit a complaint. It may be appropriate that you submit a formal appeal. If you have a complaint about your health plan, please contact your health insurance company directly to attempt to resolve the issue.
You can also contact the Department of Insurance by filing an online request. To speak with a Consumer Affairs representative, call: (303) 894-7490 or (800) 930-3745 if calling from outside of the Denver metro area. With general questions or other inquiries, please call (303) 894-7499.
Some health insurance plans sold through Connect for Health Colorado offer dental coverage for children under 19 years of age. In addition, Connect for Health Colorado also offers stand-alone dental plans (these are plans that only include dental benefits) that cover either children only, or children and adults. Just like with a health insurance plan, you can buy dental coverage during an Open Enrollment Period or Special Enrollment Period.
Note: You do not need to buy a health insurance plan through Connect for Health Colorado in order to buy a stand-alone dental plan.
Check out our quick 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.