The financial help you can get to lower your out-of-pocket costs is healthcare discounts 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. Open Enrollment is over, but there are still several opportunities to get covered. Coloradans who experience a Qualifying Life Change Event outside of Open Enrollment (November 1-January 15) have a 60-day window to buy or change plans.

More people qualify for bigger discounts on healthcare than ever before!

You may be able to save thousands of dollars when you go to the doctor or get prescriptions, thanks to a state-funded program. The discounts for 2024 are huge for those who qualify.

If you’re eligible, based on your income and household size, all you need to do is apply through Connect for Health Colorado and enroll in a Silver-level plan. You will see those extra savings automatically applied to Silver-level plans when you are shopping.

Huge savings when you qualify and switch from Bronze to Silver

See how much you could save on average when you switch from a Bronze plan to a Silver plan when you qualify for cost-sharing reductions.


only $65

Average Individual Deductible


only $130

Average Family Deductible


only $1,670

Average Individual Out-of-Pocket Max


only $3,340

Average Family Out-of-Pocket Max

Bronze plans are usually cheapest for those who do NOT qualify for cost-sharing reductions or do not use their coverage often. But if you qualify, Silver plans are a much better deal – saving you potentially thousands of dollars over the course of the year.

Healthcare discounts will lower your:

  • Out-of-pocket maximum 
  • Deductible
  • Copays for seeing a doctor
  • Copays for prescriptions
  • Coinsurance for hospitalization

Tip: You must purchase a Silver-level plan and qualify in order to get healthcare discounts.

Enroll in a Silver plan

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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. Below is an example of how much you might expect to pay for a broken bone if you are enrolled in a Bronze plan or a Silver plan with healthcare discounts.

Example: Costs for a Broken Bone
(In-network emergency room visit and follow up care)
Full Cost
(Sample Bronze plan)
Discounted Costs*
(Sample Silver plan)
Total Estimated Cost for a Broken Bone$2,100$195
Annual Deductible$7,200$75
Specialist Cost Sharing$90/visit$10/visit
Hospital Coinsurance50%5%
X-ray coinsurance50%5%

* 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.