If you have a qualifying event, you can get covered through a Special Enrollment Period.
We are open for you to enroll in health insurance for 2024. The annual Open Enrollment Period, during which almost all Coloradans can buy health insurance, begins on November 1st and goes through January 15th. Outside of Open Enrollment, you must experience a qualifying life change event in order to enroll in health coverage.
See if you can enroll through a Special Enrollment Period
Life Happens
You can still buy health insurance (or make changes to your current plan) year-round if you experience certain changes in your life, including losing your job’s health insurance, changes in your income, moving, getting married and having a baby. Qualifying life change events, like these and more, make you eligible for a 60-day Special Enrollment Period. See the full list of qualifying life events »
Tax Time Enrollment Program
You can connect to free or low-cost health insurance and qualify for a Special Enrollment Period by checking a box when you file your Colorado state taxes by April 18th. Learn more »
Health First Colorado (Colorado’s Medicaid program) or the Child Health Plan Plus (CHP+) program
Apply and enroll in coverage any time of year when you meet specific monthly income requirements. Learn more »
Native Americans
Members of Federally recognized tribes can enroll in health insurance year-round. Learn more »
Life Happens. Life change events include but are not limited to:
Family additions or changes
- Birth of a baby, adoption of a child or placement of a child for foster care
- Getting married or divorced
- Death of a household member enrolled in a plan through Connect for Health Colorado
Loss of health insurance coverage
- You lost health insurance from your job
- You no longer qualify for Health First Colorado (Colorado’s Medicaid program)
- You no longer qualify for Medicare Part A
- You are turning 26 and aging off your parent’s plan
- Your student health plan ended
- Loss of COBRA subsidy
Move or change in permanent residence
- Move to Colorado
- Move to a new permanent address- certain conditions apply
- Leaving incarceration
- Gain of lawful presence (i.e. legally living in the United States according to federal immigration laws)
Changes to income
For current enrollees only:
- Changes in your income that affect the amount of Cost-Sharing Reductions (lower out-of-pocket costs) you qualify for
- Changes in your income that make you newly qualify for Premium Tax Credit (lower monthly costs)
- Changes in your income that make you no longer qualify for the Premium Tax Credit (lower monthly costs)
For new customers only:
- Your household’s income is at or below 150 percent of the federal poverty level ($20,385/year for an individual, $41,625/year for a family of four)
Proof of your Qualifying Life Change Event
After you sign up for a plan during your Special Enrollment period, your health insurance company may ask you to show proof of the Qualifying Life Change Event.
Here is a guide on how to verify your special enrollment period »