The Affordable Care Act requires most people to have health insurance or pay a fee to the federal government if they don’t. The health reform offers new benefits, rights and protections that make health insurance coverage more affordable and better. The ACA also gives consumers more options to choose from through health insurance Marketplaces with competitive prices.


Connect for Health Colorado


The Marketplace for the state of Colorado is Connect for Health.


Health plans offered through the Marketplace have a minimum set of benefits and services such as:


  • Ambulatory patient services.
  • Emergency services.
  • Hospitalization.
  • Maternity and newborn care.
  • Mental health and substance use disorder services, including behavioral health treatment.
  • Prescription drugs.
  • Rehabilitative and habilitative services and devices.
  • Laboratory services.
  • Preventive and wellness services and chronic disease management.
  • Pediatric services, including oral and vision care.


The official ObamaCare enrollment period ended on March 31, 2014. Important Notice: Its urgent, to avoid future fines and penalties, to sign up for health insurance under the Affordable Health Care Act.


Colorado Individuals & Families: Find out the most cost efficient healthcare insurance for you.



The health insurance Marketplace in Colorado provides consumers with health, dental and even vision insurance options.


Vision Plans


The Exchange offers access to individual vision insurance plans through a partnership with Vision Service Plan (VSP).


VSP is the largest not-for-profit Vision insurance plan in America. It covers nearly 60 million customers in the United States. VSP has over 1,100 eye care professionals in Colorado.


To learn more about VSP visit


The Requirement


To fulfill the health insurance requirement, you can either have employer-provided insurance, coverage you buy on your own, Medicaid or Medicare. The requirement only applies to health insurance coverage, not dental or vision plans.


Some people are exempt from this requisite. They include:


  • People who would have to pay more than 8 percent of their income for health insurance.
  • People with incomes below the threshold required for filing taxes (in 2012, $9,750 for a single person and $27,100 for a married couple with two children).
  • People who qualify for religious exemptions.
  • Undocumented immigrants.
  • People who are incarcerated.
  • Members of Federally-recognized Tribes and certain American Indians.
  • People who have received cancellation notices for their individual market plans.


The Penalty


If you do not have insurance and do not fit into any of the groups listed above, the federal government may impose a fee on your taxes.


The penalty is based on modified adjusted gross income and is pro-rated for the number of months you are without health insurance. The fee increases with each year.


In 2014, the fee is 1 percent of annual income or $95, whichever is greater.


This means that if you do not have coverage in 2014, you will be required to pay a fee when you file your taxes at the end of the year.


If you have a gap in coverage of less than 3 months, or you are not lawfully present in the U.S., you don’t need to apply for an exemption or pay the fee.


Other Important Changes…


Other major reforms provided by ObamaCare include:


  • Preventive services at no out-of-pocket costs.
  • Mandatory coverage for pre-existing conditions.
  • The elimination of annual limits.
  • No discrimination based on gender.
  • And more…


Young Adults


If you are between the ages of 18 and 26, you can get health insurance through your parent’s health insurance plan.


If you are between the ages of 18 and 29, you should consider Colorado Young Adult or CYA plans. These are catastrophic plans designed for people who are young and in good health.


Catastrophic plans usually have:


  • High deductibles.
  • Lower premiums.
  • They protect you from high cost emergencies.


You can also choose a plan from the Marketplace and see if you qualify for financial help.


All plans offered through the Marketplace are in compliance with new federal requirements.




The health care reform offers Americans an option to purchase or be provided with insurance coverage based off their income and employment.


To determine your household income, Connect for Health Colorado uses an income calculation method called “Modified Adjusted Gross Income” or MAGI.


If you need help determining your MAGI you can use this tool.


If you are not able to pay your premium there are options. The Affordable Care Act provides two programs to help individuals afford coverage through the Marketplace:


  • Premium tax credits.
  • Cost-sharing reductions.




If you have any questions there is help available online, over the phone or in person.


  • Phone: 855-PLANS-4-YOU (855-752-6749), 303-590-9675 (Outside of the U.S.), 855-346-3432 (TTY Line for the hearing impaired)
  • Live Chat
  • Submit a question
  • In your community


You can apply for Colorado ObamaCare online.


ObamaCare By State