Whether you’re exploring plans through Connect for Health Colorado or browsing on your own, the cost of health insurance is exactly the same with or without a broker. We’re paid by the insurance companies, not by you. The Colorado Division of Insurance requires that premiums be identical no matter how you sign up.
Why not have someone in your corner? We make it easier. At no cost to you.
Contact us to walk you through your options, compare plans both on and off the exchange, and help you find one that actually fits. We’ve been helping Coloradans navigate health insurance since 2002. We’re here year-round to help with billing issues, prescription drug formularies, claims questions, or anything else that pops up. Because picking a Colorado health insurance plan is confusing, from premiums and tax credits, to making sure your doctors are covered, your prescriptions are affordable, and your care makes sense for the way you live.
Choosing health insurance for 2027?
Colorado’s open enrollment runs November 1, 2026, through January 15, 2027. Choose your plan by December 15 for coverage starting January 1.
Cigna individual medical plans are ending December 31. If you have Cigna, review your replacement options and the special enrollment deadlines.
See open enrollment dates · Review Cigna replacement coverage
If you’re under 30 years old, or over 30 years old but also over 400% of Federal Poverty Level and don’t qualify for a tax credit or subsidy, find out more about catastrophic plans.
Colorado’s Individual and Family Health Insurance Companies
For 2027, individual and family medical coverage is available from the following insurance companies, depending on where you live:
- Anthem Blue Cross and Blue Shield
- Colorado Access Choice
- Denver Health Elevate
- Kaiser Permanente
- Rocky Mountain Health Plans / United Healthcare
- Select Health
Customize Your Colorado Health Insurance Coverage
Colorado’s health insurance market has evolved significantly in the last decade. Thanks to the Affordable Care Act (ACA), every plan now includes essential protections, like free preventive care, coverage for pre-existing conditions, and built-in pediatric dental insurance and vision coverage. Even high-deductible HSA plans include these benefits.
Individual health insurance works a lot like job-based coverage: you can only sign up during open enrollment each year, unless you qualify for a special enrollment period, such as losing other coverage, getting married, or having a baby.
ACA-compliant individual medical plans cover pre-existing conditions and include essential health benefits, including covered in-network preventive care without a deductible or copay. Pediatric vision is included, while pediatric dental may be included in the medical plan or offered through a separate dental plan.
Financial Help for 2027 Coverage
Depending on your household income and circumstances, you may qualify for federal premium tax credits, Colorado Premium Assistance, and lower out-of-pocket costs on eligible Silver plans.
The federal subsidy income limit for 2027 is $63,840 for one person, $86,360 for two people, and $131,400 for a household of four. Income above the applicable limit generally means no federal premium tax credit.
We can help you compare your options and understand how your estimated income affects financial assistance.
See the full 2027 income limits and subsidy details.
What If You Have Access to Employer Coverage?
To qualify for a premium tax credit, you can’t have access to affordable, comprehensive coverage through an employer, either your own job or a family member’s.
Starting in 2023, a long-standing problem known as the “family glitch” was finally resolved. Now, affordability is determined separately for the employee and the rest of the household. That means your spouse and kids might still be eligible for subsidies on a private plan, even if your own coverage through work is considered affordable. Not sure where you stand? We can help you figure it out.
Small Business Health Insurance Options in Colorado
If your business has at least two W-2 employees, you can offer a small group health insurance plan. These plans include options like PPO networks, which aren’t available in the individual market. They also often come with perks like dental with no waiting period.
Want to Reimburse Employees Instead?
Group plans can be pricey. With an ICHRA (Individual Coverage Health Reimbursement Arrangement), you can reimburse your employees for their own individual plans, typically at a lower cost to the business. We can help you set it up.
Pair a High-Deductible Plan with Accident Coverage
Healthy and want coverage in case of a major accident? An accident insurance supplement can give you peace of mind while keeping premiums low. These pair especially well with HSA-qualified high-deductible plans.
