Colorado’s Health Insurance Marketplace
Coloradans have access to a state-run health insurance marketplace where they can shop for discounted coverage called Connect for Health Colorado. Between the new co-ops and established Colorado health insurers, the health insurance exchange is a very affordable outlet for healthcare.
- Access Health Colorado
- All Savers Insurance Company
- Cigna Health and Life Insurance Company
- Colorado Choice Health Plans
- Colorado Health OP
- Denver Health Medical Plan
- HMO Colorado
What is the Exchange?
The marketplace or exchange is a place where health plans that comply with the federal health law and offer reduced-cost coverage are sold. If your income is between 138 and 400 percent of poverty, you may qualify for a subsidy that lowers your premiums (what you pay to stay covered) and cost sharing (copays, coinsurance, and deductibles).
You can determine your eligibility for health insurance assistance in Colorado by using the subsidy calculator below.
Why do I need coverage?
Everyone needs to keep their health on track, and most Coloradans are well aware of this. As an uber-healthy state, it’s possible some residents think they’re healthy enough to go without coverage.
Well, even active Coloradans fall off horses, have skiing accidents, and give birth, so medical care will enter the picture eventually. Also, it’s required by law to get insured, otherwise you’re required to pay a penalty in most cases.
How do I know if the exchange is right for me?
If you’re uninsured and you think you may qualify for assistance, give the exchange a try. You’ll be eligible for a subsidy based on your income and if you don’t have access to an employer-sponsored health plan, Medicare, Medicaid, or another type of major medical plan.
You’re guaranteed access to coverage, and to ten categories of essential health benefits included in each plan. The law requires all qualified health plans on the exchange to cover EHBs at some level — including free preventive care.
We can help you find the plan you’re looking for, whether you’re healthy and want to stay that way, or you have specific medical concerns and need a plan to accommodate. Getting a health plan is essential so that you and your family stay healthy — and don’t get penalized.
Colorado Subsidy Calculator
Use this tool to find out if you qualify for subsidized coverage on the Colorado health insurance marketplace. You can view the carriers serving your area and your potential tax credit to help reduce your monthly premium.
*The above disclaimer pertains to the creator of this comparison tool, not East Coast Health Insurance, a licensed broker of insurance products.