Understand the ACA Individual & Family Health Insurance Marketplace in Colorado.

Save Hundreds with Subsidies in Colorado.
Learn how to get financial assistance. We want to help you save real money by connecting you to the right people, online tools, and health plans. And while Open Enrollment is over, your chance to get 2019 healthcare coverage isn’t done yet. Had a big change in your life, like losing a job or having a baby? See if you qualify for Individual & Family health insurance for a Special Enrollment.

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Call our licensed agents for details and help at 833-356-1182.

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Do you qualify for a Connect for Health subsidy in Colorado for 2019 health insurance?

Probably in Colorado. Thanks to the ACA, known as Obamacare, everyone is now eligible for health insurance, including Colorado residents. This means your monthly premiums can be dramatically reduced. For example, if your household income was $20,420 to $81,680 for a family of three in 2017, you will likely receive a premium tax credit to lower your insurance costs.

Our subsidized plans are available here and directly on Connect for Health Colorado .

Individual & Family Marketplace in Colorado.

In the Individual & Family health insurance Marketplace, or exchange, the federal government provides these subsidies to keep your costs affordable from year to year. As market costs adjust annually, so do the savings opportunities. That means when premiums go up, so does the available assistance to help cover them. You can think of it as a built-in safety net that flexes to keep your healthcare costs budget-friendly.

Depending on your household income level, you may be eligible for health insurance subsidies based on:

  • Size of your household
  • Household’s estimated income

Federal subsidies are Advance Premium Tax Credits (APTC) and are not available to people eligible for Medicaid or Medicare or who have affordable coverage through an employer. Colorado uses its own state exchange to pass along savings called Connect for Health Colorado . This is where Bright Health is sold with federal subsidies that reduce your monthly health insurance premiums. If you have more questions, don't worry - we can help you determine whether you qualify.

Ready to see if you qualify? Get a plan quote for 2019 Special Enrollment.

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Some life-changing events (jobs, babies, marriage, etc) let you get Individual & Family health insurance outside of Open Enrollment. It's a Special Enrollment.

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Call us or try our subsidy calculator to see if you qualify for financial assistance. Then you can shop for our plans, get a quote and buy a plan online, over the phone, or in-person. We have lots of ways to assist you. Bright Health is trying to make the process of buying our insurance and get financial assistance as simple as possible for you. We know that this isn’t easy.

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More people in Colorado qualify for more healthcare subsidies than you think.

Percent of uninsured consumers eligible for financial assistance nationwide.

The average after-subsidy premium in Colorado is $133 per month.

Percent of Colorado residents who qualify for subsidies.

Data based on 2017-2018 information.

Colorado Health Insurance Subsidies 101

The “Affordable Care Act” refers to the law that provides numerous rights and protections that make health coverage more fair and easy to understand, along with subsidies, making it more affordable. It’s sometimes known as “PPACA,” “ACA,” or “Obamacare.” The law also established exchanges or marketplaces where you can see if you qualify to receive tax credits and cost sharing, shop for plans, and get help.

When the ACA was signed into federal law in 2010, it established a federal marketplace for all states, or it allowed for each state to create its own state marketplace. Subsidized Bright Health plans are available here or directly via Connect for Health Colorado website .

If you meet income-level qualifications, you may be eligible for cost-sharing reductions (CSR) on Silver-level plans only (The ACA marketplace uses metal tiers to describe plans, such as Gold, Silver, and Bronze.). With CSR plans, the government will help you out as your medical expenses grow. Specifically, the government subsidizes reductions of the maximum out-of-pocket limit as well as possible reductions in deductibles, coinsurance, or copayments. 

Qualified Health Plans (QHP) are major medical plans that meet the requirement outlined in the Affordable Care Act (ACA), or Obamacare. These are the only plans that subsidies can be used with. QHPs are insurance plans that are certified by the government and provide essential health benefits (EHBs).

These are the 10 Essential Health Benefits categories :

  1. Ambulatory patient services.
  2. Emergency services.
  3. Hospitalization.
  4. Maternity and newborn care.
  5. Mental health and substance use disorder services, including behavioral health treatment.
  6. Prescription drugs.
  7. Rehabilitative and habilitative services and devices.
  8. Laboratory services.
  9. Preventive and wellness services and chronic disease management.
  10. Pediatric services, including oral and vision care.

Bright Health works with our Care Partner networks to offer more than the required benefits. And we do it while saving you money.

Call Bright Health at 833-356-1182, meet with a broker or visit with an independent healthcare navigator today. Or shop for our plans online.

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