To Get Started in Colorado Select From the Following:
» Get a Quote for Affordable Healthcare Online
» Call (888) 346-2306 from 9am – 9pm (M-F) for an Affordable Healthcare Rate
If you are already insured, you can take a look at your new options in the Marketplace or stay with your plan if it complies with new federal requirements.
The Marketplace for the State of Colorado is Connect for Health Colorado.
There are 5 categories of insurance plans in the Marketplace: Bronze, Silver, Gold, Platinum, and Catastrophic.
You can choose the level of coverage that best meets your health needs and budget.
Percentage of Benefits paid by health plans and consumers
- Platinum Plans: Up to 90% by plan and 10% by consumer.
- Gold Plans: Up to 80% by plan and 20% by consumer.
- Silver Plans: Up to 70% by plan and 30% by consumer.
- Bronze Plans: Up to 60% by plan and 40% by consumer.
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.
Medicaid may be available to people under 133% of FPL (federal poverty level).
There are also catastrophic plans available for people under 30.
- High Deductibles.
- Essential Benefits.
- More Affordable.
The Marketplace in Colorado also offers Dental and Vision insurance plans.
Some factors may affect the premium cost within the coverage levels. Two key factors include:
- Geography –Some regions have higher health care costs, leading to higher health insurance costs in those regions.
- Plan Design – Within each level of coverage, there is variability among deductibles, co-payments and out-of-pocket maximums.
If you can’t afford your premium, the Affordable Care Act provides two programs to help individuals afford coverage through the Marketplace:
- Premium tax credits.
- Cost-sharing reductions.
You may be eligible for a new kind of tax credit to reduce the monthly cost of health insurance if:
- You are an individual earning approximately $15,000 to $45,500 per year.
- You are a couple earning approximately $21,500 to $62,000 per year.
- You are a family of four earning approximately $31,000 to $94,000 per year.
You may be eligible for health plans with lower deductibles, co-payments or coinsurance if:
- You are an individual earning approximately $15,000 to $33,000 per year.
- You are a couple earning approximately $21,000 to $38,000 per year.
- You are a family of four earning approximately $34,000 to $71,000 per year.
To calculate your household income you can use the “Modified Adjusted Gross Income” or MAGI tool in the Marketplace.
You can access the calculator online.
Connect for Health Colorado offers plans from a variety of carriers.
- Access Health Colorado
- Anthem Blue Cross and Blue Shield / HMO Colorado
- Colorado Choice Health Plans
- Colorado HealthOP
- Denver Health Medical Plan
- Kaiser Permanente
- Rocky Mountain Health Plans
Some groups of people are exempt from the requirement to obtain coverage. These include:
- Individuals who would have to pay more than 8 percent of their income for health insurance
- Individuals 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)
- Individuals who qualify for religious exemptions
- Undocumented immigrants
- Individuals who are incarcerated
- Members of Federally-recognized Tribes and certain American Indians
- Individuals who have received cancellation notices for their individual market plans
If you have any of the circumstances below that affect your ability to purchase health insurance coverage, you may qualify for a “hardship” exemption:
- You were homeless.
- You were evicted in the past 6 months or were facing eviction or foreclosure.
- You received a shut-off notice from a utility company.
- You recently experienced domestic violence.
- You recently experienced the death of a close family member.
- You experienced a fire, flood, or other natural or human-caused disaster that caused substantial damage to your property.
- You filed for bankruptcy in the last 6 months.
- You had medical expenses you couldn’t pay in the last 24 months.
- You experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family member.
- You expect to claim a child as a tax dependent who’s been denied coverage in Medicaid and CHIP, and another person is required by court order to give medical support to the child. In this case, you do not have the pay the penalty for the child.
- As a result of an eligibility appeals decision, you’re eligible for enrollment in a qualified health plan (QHP) through the Marketplace, lower costs on your monthly premiums, or cost-sharing reductions for a time period when you weren’t enrolled in a QHP through the Marketplace.
- Your individual insurance plan was cancelled and you believe other Marketplace plans are unaffordable.
To visit the Marketplace and browse your options visit ConnectforHealthCO.com