Compare Health Insurance in Colorado

Colorado health insurance carriersStart by getting Instant Colorado Health Insurance Quotes or Contact Us with your questions first. All Colorado health insurance covers in-network mandated preventive/wellness care before the deductible. Make sure to compare the rates on HSA health insurance plans.

There’s no upside to searching for a Colorado health insurance policy on your own. The premium is the same whether you use a broker or not, and we can help you find the right plan either through the exchange – Connect for Health Colorado – or from one of the carriers offering ACA compliant plans outside the exchange.

Colorado Health Insurance Insider tips for how to avoid frustration with Connect for Health ColoradoWe can help you figure out whether on- or off-exchange is a better option for your situation (there’s more to it than just subsidies), and will assist you with the application process. Once you have a plan in place, we can also help you with any issues that arise, serving as a go-between for you, the insurance carrier and Connect for Health Colorado.

Find a Health Insurance Plan

The Best Colorado Health Insurance Companies

We have over 10 years of experience with each of these stable and reputable health insurance companies in Colorado:

A lot has changed in the individual health insurance market in the last year, in Colorado and across the country. The Affordable Care Act has reformed the market and added numerous consumer protections, but it’s also changed everything about the way people shop for health insurance.

Open enrollment is a big part of the equation now; individual health insurance now mirrors group coverage in that it’s only available during an annual open enrollment window. For 2015 policies, the open enrollment period starts on November 15, 2014 and goes until February 15, 2015. After that date, you’ll only be able to get an individual plan in 2015 if you have a qualifying event (loss of coverage, birth or adoption of a child, marriage, etc.)

The reason applications have to be limited to open enrollment periods is because all major medical policies are now guaranteed issue. Pre-existing conditions are no longer a barrier to enrollment, and medical history is not used to determine premiums. This is excellent news for anyone who has struggled to get a plan in the private market in the past, and should help to encourage entrepreneurs to follow their dreams, knowing that they can obtain health insurance in the individual market regardless of their medical history.

In addition, advance premium tax credits (subsidies) are available to people with incomes up to 400% of poverty level (about $79,160 for a family of three) who do not have access to employer-sponsored coverage. These tax credits are paid directly to the insurance carrier, reducing the amount you have to pay in premiums each month.

Our focus is on staying informed and current on the ever-evolving reform process so that we can provide you with accurate information and advice. There is never a charge for our services, and we look forward to helping you find the coverage that best fits your needs.

Spring Break Health Wonkery

Jennifer Salopek hosted the Health Wonk Review this week at Wing of Zock, and there’s lots of good weekend reading in this spring break edition.  Several posts stood out as excellent – here are some of my favorites:Shea McCarthy has an excellent piece at Healthcare Lighthouse, explaining the SGR deal that overwhelmingly passed the house […]

Colorado clarifies that grandmothered plans must end by December 31 – is exchange revenue a factor?

Last week, Colorado regulators announced that they won’t allow transitional (“grandmothered”) health plans to renew again at the end of this year, and that all non-ACA-compliant plans (unless they’re grandfathered) will end no later than December 31, 2015 and will need to be replaced with ACA-compliant coverage.  Grandfathered PlansGrandfathered plans are those that were already in […]

Health wonks in the melting snow

Brad Wright hosted the Health Wonk Review today at Wright on Health, and it’s an outstanding edition.  It also has a cheery series of pictures that beautifully illustrate the transition from winter to spring – nicely done Brad!There are so many great articles in this edition, it’s hard to pick a favorite.  But there are several […]

No Tax Season Special Enrollment Period In Colorado

A few weeks ago, the federal government announced that people in the 37 states that use would have access to a tax season special enrollment period (SEP) if they were unaware of the ACA’s penalty for being uninsured, and found out about it at the time they filed their taxes – which could be up to […]

A Tenth Anniversary Health Wonk Review at Health Business Blog

Health Business Blog was one of the sites we used to read even before we started our own blog in 2006 – and we’ve been reading it ever since.  It’s turning ten this weekend (where does the time go?!) and to celebrate, David hosted the Health Wonk Review this week.   There are lots of great […]

2016 Open Enrollment finalized, plus a special enrollment period in 40 states

Be ready!

Gaming Obamacare isn’t as easy as it sounds

Yesterday, The Federalist published an article titled Five Easy Ways To Game Obamacare.  It’s an interesting article, but we thought it might be helpful to add detail about some of the problems with the strategies mentioned. Gaming Obamacare may turn out to be more costly and difficult than you imagine. Buy nine, get three free The idea here is that […]

Create a special enrollment period for those who file taxes after February 15 and owe a penalty

Open enrollment ended yesterday, but there are widespread extensions in most exchanges through the end of this week or even the end of the month in some states.  Connect for Health Colorado shared a tweet and facebook update Sunday evening, clarifying that for anyone who had begun the enrollment process but didn’t have it finished by […]

Take heart – there’s plenty of good stuff in this HWR

Peggy Salvatore hosted the Valentine’s Day edition of the Health Wonk Review, and you don’t want to miss it.  Here are some of my favorites in this week’s HWR: Writing at Health Affairs, Ron Pollack from Families USA demonstrates the ways that the context of the ACA clearly makes subsidies available in every state.  SCOTUS is […]