We know that understanding what the Affordable Care Act offers is extremely important. The bill has new benefits, rights and protections that not only affect you, but your family and your business. That is why we want to provide you with a comprehensive guide that will assist you in further understanding what ObamaCare offers, so you can make well-informed decisions.


The ACA helps consumers obtain health insurance by offering new coverage options, helping those who can’t afford it and putting in place strong protections.


Some of the major changes include:


  • Young adults can stay on their plans until 26.
  • Insurance companies cannot drop you when you are sick.
  • There can be no gender discrimination in costs.
  • Insurance companies must cover people with pre-existing conditions.
  • There are no annual or lifetime dollar limits.
  • And more…




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.


New health insurance plans with these benefits are available through the Health Insurance Marketplace, which offers Federally regulated and subsidized health insurance. In Colorado, your Marketplace is Connect for Health Colorado.


The Marketplace can help if you don’t have coverage now or if you have it but want to look at other options. To access yours visit ConnectforHealthCO.com


The Marketplace or Exchange gives consumers the opportunity to compare prices and plans before applying. When you follow the application process, you can also learn if you can get lower costs based on your income while comparing your coverage options side-by-side. Thanks to this system, you can choose the combination of price and benefits that fits your budget and meets your needs. Enrolling through the Exchange is fast and easy.


If you have any questions or concerns, take advantage of this free resource.






An insurance program jointly funded by states and the federal government that provides health insurance to low-income children and, in some states, pregnant women in families who earn too much income to qualify for Medicaid but cannot afford to purchase private health insurance coverage.


In Colorado, this program is called Child Health Plan Plus.




COBRA or Consolidated Omnibus Budget Reconciliation Act of 1985 is a federal law that allows you to temporarily keep health coverage after your employment ends, after you lose coverage as a dependent of the covered employee, or as a result of another qualifying event.


If you elect COBRA coverage, you need to pay 100% of the premiums, including the share the employer used to pay, plus a small administrative fee.




FPL is the Federal Poverty Level. This is a measure of income level issued annually by the Department of Health and Human Services.


Federal poverty levels are used to determine your eligibility for certain programs and benefits.


The 2013 Federal Poverty Level for an individual is $11,490 in yearly income and $23,550 for a family of four.


Grandfathered Plans


A group health plan that was created—or an individual health insurance policy that was purchased on or before March 23, 2010.


Grandfathered plans are exempted from many changes required under the federal health law.


A health plan must disclose in its plan materials whether it considers itself to be a grandfathered plan and must also advise consumers how to contact the U.S. Department of Labor or the U.S. Department of Health and Human Services with questions.


Guarantee Issue


The ACA guarantees that health plans must let you enroll regardless of health status, age, gender, or other factors that might predict the use of health services.
Except in some states, guaranteed issue doesn’t limit how much you can be charged if you enroll.


Guarantee Renewal


The ACA requires health insurance issuers to offer to renew or continue coverage at the option of the policyholder as long as they continue to pay premiums.
Except in some states, guaranteed renewal doesn’t limit how much you can be charged if you renew your coverage.



ObamaCare By State