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Colorado Health Insurance Insider

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Individual/Family Health

The American Rescue Plan and your Colorado health insurance

March 28, 2021 By Jay Norris

You may have seen headlines recently about how the American Rescue Plan (HR1319) makes health insurance more affordable for people who buy their own coverage. As always, you can reach out to me if you have questions about your specific circumstances. But I wanted to summarize some general information: Section 9662 of the American Rescue… Read more about The American Rescue Plan and your Colorado health insurance

Filed Under: Affordable Care Act (ACA), Individual/Family Health

Special enrollment window through May 15, 2021

February 15, 2021 By Jay Norris

If you’re uninsured in Colorado, you have another opportunity to enroll in health coverage for 2021. Connect for Health Colorado has opened a special enrollment window that closely mirrors the enrollment window that the Biden administration announced for states that use HealthCare.gov (DC and 14 states, including Colorado, run their own exchanges; the rest of… Read more about Special enrollment window through May 15, 2021

Filed Under: Individual/Family Health

What if Republicans had succeeded in repeal of the Affordable Care Act?

October 30, 2020 By Louise Norris

By Andrew Sprung, David Anderson and Louise Norris On November 10, the Trump administration will ask the Supreme Court in oral argument to declare the Affordable Care Act unconstitutional – and nullify the law in the midst of a pandemic, uninsuring an estimated 23 million people. As Republicans rushed to confirm the nomination of Amy Coney Barrett… Read more about What if Republicans had succeeded in repeal of the Affordable Care Act?

Filed Under: Individual/Family Health

2021 HSA Contribution Limit

2021 HSA Limits

June 24, 2020 By Jay Norris

The IRS has released 2021 limits for High Deductible Health Plans (HDHPs) and Health Savings Accounts (HSAs). 2021 HSA Contribution Limits: Self-Only: $3,600 (up from $3,550 in 2020) Family: $7,200 (up from $7,100 in 2020) 2021 HDHP Deductible Minimum: Self-Only: $1,400 ($1,400 in 2020) Family: $2,800 ($2,800 in 2020) 2021 HDHP Out-of-Pocket Expense Maximum: Self-Only:… Read more about 2021 HSA Limits

Filed Under: Affordable Care Act (ACA), Consumer Directed Health Plans, HHS, HSA, Individual/Family Health

Claiming the ACA tax credit after paying full price for your health insurance

October 27, 2019 By Louise Norris

Most people know that there are premium tax credits (often referred to as premium subsidies) available for people who buy their health insurance through Connect for Health Colorado. But claiming the ACA tax credit as an advanced subsidy requires you to estimate your income for the coming year and supplying supporting documentation to verify that… Read more about Claiming the ACA tax credit after paying full price for your health insurance

Filed Under: Individual/Family Health

contribution requirement for treating employees differently

Treating Employees Differently: Employer Contribution Requirements

October 25, 2019 By Louise Norris

Employers offering small business group health insurance benefits have flexibility treating employees differently as long as the contribution policy complies with the insurance company’s employer contribution requirements and basic non-discrimination laws (HIPAA and Section 125). Employers can contribute a flat dollar amount, or they can require employees to pay a set percentage or a set… Read more about Treating Employees Differently: Employer Contribution Requirements

Filed Under: Individual/Family Health

Allergy and Immunology

2018 Colorado Individual/Family Market Specialist Maps

May 15, 2018 By Jay Norris

Last week, I shared charts showing how many total providers are in each individual market insurer’s network, and compared that with total enrollment for each insurer. But the total number of providers doesn’t tell the whole story. Network adequacy issues still arise for specific consumers when an insurance plan might have many primary care providers, but… Read more about 2018 Colorado Individual/Family Market Specialist Maps

Filed Under: Individual/Family Health, Insurance Companies, Providers, Visualizing 2018 Plans and Rates

2018 Colorado Medical Total Enrollment

2018 Colorado Individual Market Enrollment and Total Medical Providers

May 9, 2018 By Jay Norris

Filed Under: Individual/Family Health, Insurance Companies, Visualizing 2018 Plans and Rates

2018 Connect for Health Colorado Enrollment

2018 Connect for Health Colorado Individual Market Enrollment

May 9, 2018 By Jay Norris

Filed Under: Health Insurance Exchanges, Individual/Family Health, Insurance Companies, Visualizing 2018 Plans and Rates

Children's Hospitals ECP

2018 Essential Community Provider Maps

May 9, 2018 By Jay Norris

Network coverage is an important part of picking a health insurance policy. And while the insurers and the exchange have tools that will let you check to see if your doctor is in-network with the plan you’re considering, those tools aren’t as helpful if you don’t have a specific provider in mind and just want… Read more about 2018 Essential Community Provider Maps

Filed Under: Individual/Family Health, Providers, Visualizing 2018 Plans and Rates

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State Approaches to Handling CSR Uncertainty for 2018 Premium

October 11, 2017 By Louise Norris

Joint post by: David Anderson, Charles Gaba, Louise Norris, Andrew Sprung Note: this post is a joint effort with colleagues who have closely tracked the CSR chaos induced by Trump and Republicans in Congress. Dave Anderson is a former health insurance analyst, now a health care scholar at Duke, and a blogger at Balloon Juice; Charles Gaba is… Read more about State Approaches to Handling CSR Uncertainty for 2018 Premium

Filed Under: Individual/Family Health

Weekend reading recommendation: The Summer Lull edition of the HWR

August 18, 2017 By Louise Norris

Peggy Salvatore has done an excellent job with this week’s edition of the Health Wonk Review, hosted at her Health System Ed blog. There’s something for everyone, and it makes for some great weekend reading. Two of my favorites in this edition are Harold Pollack’s explanation of why red states that voted for Trump would… Read more about Weekend reading recommendation: The Summer Lull edition of the HWR

Filed Under: Individual/Family Health

2017: Made for health wonks

June 25, 2017 By Louise Norris

Joe Paduda hosted the Health Wonk Review on Friday, and it’s a must-read edition. It coincided perfectly with the release of the long-awaited, top-secret Senate GOP health care reform bill, and Joe’s edition includes an everything-you-need-to-know summary of the Senate bill, written by the inimitable Tim Jost and Sara Rosenbaum. In related news, Joe is… Read more about 2017: Made for health wonks

Filed Under: Individual/Family Health

Groundhog Zombie Goes Back to the Future: AHCA Vote Day Health Wonk Review

May 5, 2017 By Louise Norris

Yesterday was a bit of a banner day in health care reform circles, with the passage of the AHCA in the House of Representatives. The vote came less than 24 hours after the final amendment was added to the bill, and before the CBO had scored the last three amendments that were added. It’s now… Read more about Groundhog Zombie Goes Back to the Future: AHCA Vote Day Health Wonk Review

Filed Under: Individual/Family Health

health care reform colorado

Health care reform: What’s next in Colorado?

May 2, 2017 By Louise Norris

2017 has been a whirlwind year for health care reform. As rate filing season draws near, there is still considerable uncertainty surrounding the future of the ACA and what lies ahead for health care reform. Here’s a summary of where things stand in Colorado: Failed: Bill to extend premium help to people above 400 percent… Read more about Health care reform: What’s next in Colorado?

Filed Under: Individual/Family Health

Pre-Passover edition of the HWR at InsureBlog

April 6, 2017 By Louise Norris

Hank Stern has done an outstanding job with the Health Wonk Review this week; don’t miss his pre-Passover edition. Hank has factoids about Passover interspersed with ten excellent articles from some of our favorite health wonks. Thanks for hosting, Hank, and Happy Passover!

Filed Under: Individual/Family Health

Trump and Tom Price HHS 2018 changes

What do the proposed HHS regulations mean for Colorado’s individual market?

February 15, 2017 By Louise Norris

HHS Secretary Tom Price was confirmed by the Senate last week, and the agency wasted no time in drafting new proposed regulations under his leadership. The new regulations are intended to stabilize the individual and small group health insurance markets. The comment period is only three weeks (it closes on March 7, 2017), which is… Read more about What do the proposed HHS regulations mean for Colorado’s individual market?

Filed Under: Affordable Care Act (ACA), Individual/Family Health

Health Wonks Wonder… Will ACA Repeal Really Happen?

February 10, 2017 By Louise Norris

Steve Anderson hosted this week’s “#Alternative_Facts” edition of the Health Wonk Review, at medicareresources.org. It’s an excellent edition, and each entry in framed in terms of an #alternative_fact… of course, the alternative-ness depends a bit on your perspective. My favorite? Joe Paduda’s assessment that ACA repeal isn’t actually going to happen soon, and might not… Read more about Health Wonks Wonder… Will ACA Repeal Really Happen?

Filed Under: Individual/Family Health

Joe Paduda has an excellent Health Wonk Review

January 27, 2017 By Jay Norris

It’s a crazy time in healthcare and even the biggest health wonks are struggling to keep up. Get up to speed with the concisely written Health Wonk Review from our friend Joe Paduda. Hot off the press.

Filed Under: Individual/Family Health

Health Wonks know: Words Matter

January 13, 2017 By Louise Norris

Julie Ferguson hosted the “Words Matter” edition of the Health Wonk Review this week, at Workers’ Comp Insider. Julie did an excellent job, as always, and there’s plenty of good stuff in this edition of the HWR. Some of my favorites are: Joe Paduda’s at-a-glance summary of the direction the GOP is likely headed in terms… Read more about Health Wonks know: Words Matter

Filed Under: Individual/Family Health

Puppies and kittens and the future of healthcare reform

December 3, 2016 By Louise Norris

Hank Stern hosted the Health Wonk Review this week, with a theme — Puppies and Kittens — designed to unite us around something we can all agree on, after a rough election season. There are tons of great entries in this edition of the HWR. Since I’m particularly focused on the future of healthcare reform,… Read more about Puppies and kittens and the future of healthcare reform

Filed Under: Individual/Family Health

Don't Get Caught Off Guard By The Individual Mandate Penalty - It's Not "Just $95"

Don’t Get Caught By The ACA Individual Mandate Penalty – It’s much higher than it used to be

November 22, 2016 By Louise Norris

This post was originally written in March 2014, but was updated in November 2015 to reflect the changes in the penalty calculation for 2016, and again in November 2016 to address the penalty for 2017. The penalty in 2017 will remain unchanged from 2016, but it’s considerably higher than it was in 2014 or 2015,… Read more about Don’t Get Caught By The ACA Individual Mandate Penalty – It’s much higher than it used to be

Filed Under: Affordable Care Act (ACA), Individual/Family Health, Policy

cheapest bronze $0 premium

You’re eligible for cost-sharing subsidies. Does that mean you should always pick a silver plan?

November 3, 2016 By Louise Norris

A recent article published by the Colorado Center on Law and Policy (CCLP) caught my attention on Twitter today. One part of the article stood out, and I wanted to address it here. The article states that “Anyone who purchases insurance on Connect for Health Colorado would be wise to check eligibility for assistance and,… Read more about You’re eligible for cost-sharing subsidies. Does that mean you should always pick a silver plan?

Filed Under: Affordable Care Act (ACA), Individual/Family Health

Election Season Edition of the HWR

October 21, 2016 By Louise Norris

Peggy Salvator hosted this week’s Health Wonk Review yesterday, at her Health System Ed blog – be sure to check it out, if you haven’t already. Peggy did a great job of hosting, and there are lots of great entries. My favorites from this edition are from Health Affairs (all about the future legislative improvements… Read more about Election Season Edition of the HWR

Filed Under: Individual/Family Health

Colorado health plan changes for 2017

New Benefits in Colorado for 2017 – Bariatric Surgery, Infertility, Chiro?

October 12, 2016 By Louise Norris

Open enrollment is just around the corner, and you may have started receiving information from your health insurer regarding changes to your premium and coverage for 2017. I maintain a detailed overview of Colorado’s exchange at healthinsurance.org, so if you have questions, you might find answers there. But after receiving our own family’s renewal packet… Read more about New Benefits in Colorado for 2017 – Bariatric Surgery, Infertility, Chiro?

Filed Under: Affordable Care Act (ACA), Individual/Family Health, Kaiser Permanente

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