Premium rates are calculated using three criteria: age, the region of the state you live in, and tobacco use. Your gender, pregnancy status, health history, and other personal information will not be considered in the calculation of rates.

All rate and plan information can be found at the Colorado Division of Insurance website.

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.

(1) Reboot. Try rebooting before reporting any IT related incident or problem.

(2) If using Internet Explorer, make sure the compatibility mode is checked off.

(3) 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.

(4) Try to reboot your system at least once every 3 days. Only locking your system when you leave each evening can cause performance problems.

Submit a complaint related to your enrollment experience through our online form.

To dispute your application results, submit a formal appeal.

Submit a complaint about your health plan by contacting your health insurance company directly.

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.

In general, if you are enrolled in, or qualify for, any of the following types of coverage, you would not qualify for financial help through our Connect for Health Colorado Marketplace:

(1) Employer coverage, unless the coverage is unaffordable (defined as your contribution to the premium for self-only coverage costs more than 9.96%* of your household income) or does not meet minimum value.

(2) Government-sponsored coverage, including Health First Colorado (Colorado’s Medicaid program), Child Health Plan Plus (CHP+), Medicare Part A coverage, Peace Corp coverage, Veterans Affairs (VA) health coverage and TRICARE coverage.

The best way to find out if you or members in your household qualify for financial help is to complete an application.

*percentage as of 2026

In general, if you are enrolled in, or qualify for, any of the following types of coverage, you would not qualify for financial help through our Connect for Health Colorado Marketplace:

(1) Employer coverage, unless the coverage is unaffordable (defined as your contribution to the premium for self-only coverage costs more than 9.78% of your household income) or does not meet minimum value.

(2) Government-sponsored coverage, including Health First Colorado (Colorado’s Medicaid program), Child Health Plan Plus (CHP+), Medicare Part A coverage, Peace Corp coverage, Veterans Affairs (VA) health coverage and TRICARE coverage.

The best way to find out if you or members in your household qualify for financial help is to complete an application.

You can apply for coverage and financial help through Connect for Health Colorado in any of the following ways:

(1) Online – Complete your application online at ConnectforHealthCO.com.

(2) With a local, certified expert – Complete your application with a certified Broker or at a local Assistance Site with a Health Coverage Guide or Certified Application Counselor.

(3) Telephone – Call 1-855-752-6749, TTY at 1-855-695-5935, Monday- Friday, 8 am to 5 pm.

(4) Post mail – Mail a paper application to: Connect for Health Colorado Individual Applications 4600 South Ulster Street, Suite 300 Denver, CO 80237

Completing an application will let you know what financial help programs you and your family are eligible for. To receive the financial help, you must buy a health insurance plan through Connect for Health Colorado. You will not be able to receive financial help if you buy the health insurance plan directly from the health insurance company.

To be eligible to buy health insurance through Connect for Health Colorado, an individual must:

(1) Be lawfully present in the United States;

(2) Reside in and/or be a resident of Colorado;

(3) Not be incarcerated.

Individuals who are not eligible to buy a health insurance plan through Connect for Health Colorado can still apply for others in their household who are eligible.

Health insurance companies organize their plans into these different coverage levels (sometimes called “metal tiers”): Bronze, Silver, Gold, and Catastrophic. Each level represents a plan’s general approach to sharing costs with you.

You can apply your financial help to any one of the metal tier plans, except for the Catastrophic plans. Although prices vary between plans and insurance companies, all Colorado Option plans have the same benefits, copayments, deductibles and out-of-pocket maximum costs within a specific coverage level across all health insurance companies.

Learn more about the difference between metal tiers.

In order to qualify for financial help, you must:

(1) Buy your health insurance plan through Connect for Health Colorado.

(2) Meet the income requirements based on your household size (Check the Quick Cost & Plan Finder to see if you qualify).

(3) Not already have access to health coverage that is affordable and meets certain standards.

You can determine which financial help programs you and your family qualify for by completing an application.

No. As part of the Affordable Care Act, a health insurance company cannot deny your health coverage for any reason, including your health history, a high risk job, or a preexisting condition.