What do you want to do?
Save money when you go to the doctor
The financial help you can get to lower your out-of-pocket costs is called Cost-Sharing Reductions. Connect for Health Colorado is the only place you can apply for financial help to lower the cost of private health insurance.
Any extra savings will appear automatically when you shop for Silver-level plans.
Find out how much you could save
Check out the examples below and use the quick cost calculator to find out what your monthly payment could be when you enroll in a Silver-level plan.
Single, 40 years old
Denver County
$23,000 annual income
Monthly premium:
$88 ($1,054/year)
Deductible:
$100*
Out of Pocket Maximum =
$1,375
Single, 40 years old
Denver County
$38,000 annual income
Premium:
$270 ($3,240/year)
Deductible:
$2,800*
Out of Pocket Maximum =
$8,000
*Based on a typical silver plan offered in that area for non-smokers. Customers enrolling in a plan from a different metal tier may experience different out-of-pocket and premium costs.
Example: How healthcare discounts save you money when you use your plan
Healthcare discounts only apply to Silver plans sold through Connect for Health Colorado. While a Bronze plan may have cheaper premiums, that plan has the highest cost when you go to the doctor or hospital. Customers eligible for the Silver 73 level of healthcare discounts may end up paying less with a gold plan. Below is an example of how much you might expect to pay for a broken bone if you are enrolled in a Bronze or Gold plan compared to a Silver plan with healthcare discounts.
|
(In-network emergency room visit and follow up care) | |||||
| Sample Bronze plan | Sample Silver 94 | Sample Silver 87 | Sample Silver 73 | Sample Gold plan | |
| Total Estimated Cost for a Broken Bone | $2,500 | $600 | $1,450 | $2,400 | $2,050 |
| Annual Deductible | $2,100 | $100 | $950 | $2,100 | $2,050 |
| Specialist Cost Sharing | 50% coinsurance | $40 | $65 | $90 | $55 |
| Hospital Coinsurance | 50% | 20% | 30% | 40% | 30% |
| X-ray coinsurance | 50% | 20% | 30% | 40% | 30% |
* This chart is for example purposes only and it is not an accurate representation of what every consumer can expect to pay. You must qualify for Cost-Sharing Reductions and purchase a Silver plan to receive these discounts.