There’s no upside to searching for a 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. We’ve been working with health insurance in Colorado since 2002.
We 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.
Stable Colorado Health Insurance Companies
We have 15 years of experience with each of these stable and reputable health insurance companies in Colorado (or as long as the newer carriers have been around):
- Anthem Blue Cross and Blue Shield of Colorado
- Bright Health
- Elevate by Denver Health Medical Plan
- Kaiser Permanente
- Rocky Mountain Health Plans
- United HealthCare
A lot has changed in the individual health insurance market in the past few years, 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. All health insurance in Colorado covers in-network mandated preventive/wellness care before the deductible, even high deductible HSA health insurance plans.
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 2016 policies, the open enrollment period started on November 1, 2015 and ended January 31, 2016. 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.