Get affordable health insurance Exchange rates for Colorado.  Within minutes, you can view top-rated single and family medical coverage at the best direct prices. If you need to quickly purchase a plan, we can help you find the most appropriate individual coverage and apply for a policy. We give you a clear explanation of the coverage and cost of each policy so you can choose the right plan. Seniors can also easily review Medicare Supplement, Advantage, and Part D prescription drug plans.

As the state’s premier trusted authority, we research and shop, so you save time and money. There are never any fees, costs, or obligation, and the published premiums are always the guaranteed lowest rates as mandated by the Department of Insurance. Our free online customized quotes allow you to find budget-friendly policy options that keep premiums low, and also help cover medical expenses, including out-of-pocket costs. Plans on and off the Marketplace are available. The Open Enrollment period is from November 1 to January 15th. 257 Exchange plans are offered for 2022.

 

What Is Connect For Health Colorado?

It is the official Marketplace where individuals and families can purchase medical coverage and receive up to a 100% Obamacare federal subsidy (you must qualify). Our website helps you easily compare the best available plans, calculate your subsidy, and if you wish, apply for coverage. Financial assistance through Medicaid and CHIP may also be available if your income meets Federal Poverty Limit guidelines. Open Enrollment for 2022 effective dates began on November 1st.

Only one county (Jackson) will offer a single company since Rocky Mountain Health Plans, Oscar, Friday Health and Bright Health are expanding into additional counties. Previously, the counties with only one carrier were Yuma, Washington, Sedgwick, Routt, Rio Blanco, Phillips, Moffat, Logan, Jackson, and Eagle.

Multiple plans are offered through eight companies. 324 individual (On and Off-Exchange) and 56 small group on-Exchange plans are offered.  135 individual and 538 small group of-Exchange plans are also offered.  Average rate change requests (2022) for individual carriers are shown below.

Anthem  – 4.3% increase (70,000 members)

Bright Health – 0.8% decrease (41,000 members)

Cigna – 0.3% decrease (29,000 members)

Denver Health – 8.9% decrease (1,300 members)

Friday Health Plans – 0.3% decrease (10,250 members)

Kaiser – 1.6% increase (60,000 members)

Oscar – 4.9% increase (1,000 members)

Rocky Mountain Health Plans – 2.6% decrease (2,400 members)

The cheapest policies are categorized as “Catastrophic” and “Bronze,” while “Platinum” plans, since they have the lowest out of pocket costs, are typically the most expensive. “Gold” tier options are also available along with “Silver” policies, that qualify for special cost-sharing reduction features. The highest allowed deductible is $8,700, which is the most popular Bronze-tier deductible. Note: CHP+ is offered to pregnant women and children without coverage.

 

What About Dental?

Cheap Dental Plans For Colorado

Dental Insurance in Colorado Can Be Added As A Rider Or Purchased Separately

Dental coverage is offered by Best Life, Cigna, Delta Dental, Premier Access and Dentegra, and more than 20 plans are available. You can purchase individual dental plans without purchasing medical coverage. Vision plans may also be offered although benefits are often limited to one pair of glasses (or contacts) and an annual checkup. Small business dental plans are offered by Anthem BCBS, Best Life, Delta Dental, Dentegra, Guardian, MetLife, and Premier Access.

Delta typically offers the most competitive rates in most areas of the state. Three plans (Enhanced, Classic, and Clear) are offered to adults and dependents. In addition to a large selection of providers, Delta offers no deductible, fixed dollar amount, and out-of-network benefits. Two of the plans are also Exchange-certified. Many carriers offer “discount” plans, that feature lower premiums and higher out-of-pocket expenses.

Since these plans are mostly not impacted by recent legislation, waiting periods for major services (such as root canal, crowns, dentures, implants, oral surgery etc…) are often 6-12 months. Although annual preventative checkups and x-rays are typically immediately covered with small copays, other services often have larger copays, bigger deductibles, and maximum coverage limits. Orthodontia treatment is often not included, although selected discounts may apply.

 

Who Offers Individual Colorado Health Insurance Plans

The following companies offer single and family medical coverage. Depending on your household income, you may be eligible for a federal subsidy.

Anthem Blue Cross and Blue Shield

Bright Health Plan

Friday Health Plans

Cigna

Kaiser Permanente

Elevate (Denver Health Medical Plan)

Rocky Mountain Health Plans

Oscar

Note: Small Group (Employer-provided) coverage is provided by the following carriers: Aetna Health, Aetna Life, Anthem (HMO Colorado), Anthem (Rocky Mountain Hospital and Medical Service), Friday Health Plans, Humana Health, Humana Insurance, Kaiser Foundation, Kaiser Permanente, Rocky Mountain HMO, UnitedHealthcare, and UHC of Colorado.

Short-term policies were previously issued by several carriers, including UnitedHealthcare, who offered very inexpensive prices. However, last year, the state added several requirements for temporary plans, resulting in the elimination of all available options. Several of the requirements were  maternity benefits, coverage of pre-existing conditions (prior to 12 months of policy issue), guaranteed approval, inclusion of essential health benefits, and loss ratios of at least 80%.

 

Senior Healthcare Coverage

Once you reach age 65, or if you become disabled, you are probably eligible for Medicare. Approximately 90 days before your 65th birthday, you should contact the Social Security Administration and enroll in Medicare Part A and Part B.  Although there is no charge for Part A, Part B usually costs at least $100 per month. Supplemental contracts can help you pay for some of the gaps in benefits. The Senior Open Enrollment period is from October 15th to December 7.

More than 30 carriers offer Medicare Supplement policies in Colorado, including AARP-UnitedHealthcare, Aetna, Cigna, Colonial Penn, Continental Life, Coventry, Equitable, Everest, First Health, Gerber, Humana, Medico, Oxford Life, Rocky Mountain, State Farm, Thrivent, Transamerica, United American, and USAA.

Several Five-Star and Four-Star Advantage options (US News) include Erickson Freedom, Guardian, and Signature With Drugs, Kaiser Permanante Senior Advantage Core, Gold,  and Silver, Aetna Medicare Prime Essential, Platinum, and Prime, Humana Gold Plus and Value Plus, and UnitedHealthcare  Nursing Home Plan.

Humana, Cigna, WellCare, Anthem, Mutual Of Omaha, AARP-UnitedHealthcare, Aetna, and several other carriers offer Medicare Part D (prescription) plans. Specific details (copays) and prices are shown below.

 

Colorado Medicare Supplement Plan Rates

Shown below are the most recent published estimated monthly rates for a 65 year-old female from many participating companies. Prices typically change each year, and carriers may enter or leave the marketplace. Certain plans may not be offered in all counties.

Plan A –  Denver, Arapahoe, and Jefferson Counties

$86 – AARP/UnitedHealthcare

$95 – Anthem BCBS

$97 – CSI Life

$105 – Accendo

$116 – Union Security

$118 – Great Southern Life

$119 – Aetna

$119 – Humana

$121 – Guarantee Trust Life

$124 – United Of Omaha

$125 – Manhattan Life

$128 – Medico

$130 – Cigna

$153 – Oxford Life

$162 – Gerber

Plan F –  Denver, Arapahoe, and Jefferson Counties

$135 – Great Southern Life

$135 – Accendo

$146 – Union Security

$157 – Anthem BCBS

$160 – Mutual Of Omaha

$160 – CSI Life

$162 – Cigna

$162 – Humana

$163 – AARP-UnitedHealthcare

$166 – Manhattan Life

$168 – Aetna

$184 – Oxford Life

$192 – Medico

Plan F (High Deductible) –  Denver, Arapahoe, and Jefferson Counties

$39 – Great Southern Life

$42 – Cigna

$44 – Medico

$45 – Mutual Of Omaha

$46 – Aetna

$48 – Humana

Plan N –  Denver, Arapahoe, and Jefferson Counties

$76 – Accendo

$88 – Union Security

$90 – CSI Life

$93 – Great Southern Life

$93 – Medico

$97 – Aetna

$98 – Anthem BCBS

$102 – Mutual Of Omaha

$102 – AARP-UnitedHealthcare

$106 – Humana

$106 – Cigna

$108 – Oxford Life

$108 – Manhattan Life

Plan A  –  El Paso, Douglas, Broomfield,  and Elbert Counties

$76 – AARP/UnitedHealthcare

$87 – Anthem BCBS

$93 – Accendo

$100 – Lumico Life

$100 – Capitol Life

$102 – Great Southern Life

$105 – United States Fire

$107 – Aetna

$108 – Union Security

$110 – Guarantee Trust Life

$111 – United Of Omaha

$118 – Humana

$115 – Manhattan Life

$118 – Humana

$120 – Medico

$129 – Cigna

$139 – Oxford Life

Plan C –  El Paso, Douglas, Broomfield,  and Elbert Counties

$140 – Guarantee Trust Life

$145 – AARP-UnitedHealthcare

$165 – Manhattan Life

$166 – Mutual Of Omaha

$166 – Assured Life

Plan N –  El Paso, Douglas, Broomfield,  and Elbert Counties

$84 – CSI Life

$88 – Union Security

$89 – Anthem BCBS

$91 – Guarantee Trust Life

$92 – AARP-UnitedHealthcare

$92 – Aetna

$94 – Medico

$98 – Great Southern Life

$98 – Oxford Life

$100 – Cigna

$104 – Mutual Of Omaha

$105 – Humana

$111 – Manhattan Life

Plan A –  Adams County

$83 – AARP/UnitedHealthcare

$98 – CSI Life

$98 – Anthem BCBS

$116 – Guarantee Trust Life

$118 – Union Security

$125 – Humana

$128 – Aetna

$131 – Medico

$131 – Great Southern Life

$133 – Mutual Of Omaha

$134 – Manhattan Life

$137 – Assured Life

$139 – Cigna

$143 – Oxford Life

Plan F –  Adams County

$150 – CSI Life

$151 – Union Security

$155 – Guarantee Trust Life

$157 – Great Southern Life

$163 – Anthem BCBS

$163 – AARP-UnitedHealthcare

$171 – Humana

$171 – Mutual Of Omaha

$172 – Oxford Life

$174 – Cigna

$177 – Aetna

$179 – Manhattan Life

$183 – Medico

Plan F (High Deductible) –  Adams County

$45 – Great Southern Life

$45 – Cigna

$47 – Medico

$48 – Mutual Of Omaha

$49 – Aetna

$50 – Humana

Plan N –  Adams County

$92 – CSI Life

$95 – Union Security

$96 – Anthem BCBS

$100 – Medico

$100 – Guarantee Trust Life

$103 – AARP-UnitedHealthcare

$104 – Aetna

$108 – Great Southern Life

$108 – Oxford Life

$112 – Humana

$114 – Cigna

$116 – Mutual Of Omaha

$120 – Manhattan Life

 

Colorado Part D Prescription Drug Plans 

AARP MedicareRx Walgreens – $310 deductible with $29.30 monthly premium. Preferred 90-day mail order cost-sharing for Tiers 1, 2, and 3 is $0, $30, and $120 respectively. Preferred 30-day retail cost-sharing for Tiers 1, 2, and 3 is $0, $10,  and $40. 3,150 formulary drugs available.

AARP MedicareRx Saver Plus – $480 deductible with $44.00 monthly premium. Preferred 90-day mail order cost-sharing for Tiers 1, 2, and 3 is $3, $45, and $138 respectively. Preferred 30-day retail cost-sharing for Tiers 1, 2, and 3 is $1, $15,  and $46. 3,153 formulary drugs available.

AARP MedicareRx Preferred – $0 deductible with $103.90 monthly premium. Preferred 90-day mail order cost-sharing for Tiers 1, 2, and 3 is $0, $0, and $120 respectively. Preferred 30-day retail cost-sharing for Tiers 1, 2, and 3 is $5, $10,  and $42. 3,562 formulary drugs available.

Anthem BCBS Blue MediBlue Rx Plus – $0 deductible with $93.90 monthly premium. Preferred 90-day mail order cost-sharing for Tiers 1, 2, and 3 is $3, $9, and $141 respectively. Preferred 30-day retail cost-sharing for Tiers 1, 2, and 3, is $1, $3, and $47. 3,148 formulary drugs available.

Anthem BCBS MediBlue Rx Standard – $430 deductible with $66.20 monthly premium. Preferred 90-day mail order cost-sharing for Tiers 1, 2, and 3 is $3, $12, and $132 respectively. Preferred 30-day retail cost-sharing for Tiers 1, 2, and 3, is $1, $4, and $44. 2,946 formulary drugs available.

Cigna Essential Rx – $480 deductible with $47.30 monthly premium. Preferred 90-day mail order cost-sharing for Tiers 1, 2, and 3 is $0, $0, and 18% respectively. Preferred 30-day retail cost-sharing for Tiers 1, 2, and 3 is $0, $6, and 18%. 3,170 formulary drugs available.

Cigna Extra Rx – $100 deductible with $66.70 monthly premium. Preferred 90-day mail order cost-sharing for Tiers 1, 2, and 3 is $12, $30, and $126 respectively. Preferred 30-day retail cost-sharing for Tiers 1, 2, and 3 is $4, $10, and $42. 3,271 formulary drugs available.

Cigna Secure Rx – $480 deductible with $36.90 monthly premium. Preferred 90-day mail order cost-sharing for Tiers 1, 2, and 3 is $3, $24 and $141 respectively. Preferred 30-day retail cost-sharing for Tiers 1, 2, and 3 is $1, $8, and $47. 3,190 formulary drugs available.

Elixir RxSecure – $480 deductible with $36.30 monthly premium. Preferred 90-day mail order cost-sharing for Tiers 1, 2, and 3 is $3, $12 and 15% respectively. Preferred 30-day retail cost-sharing for Tiers 1, 2, and 3 is $1, $4,  and 15%. 3,085 formulary drugs available.

Humana Walmart Value Rx Plan – $480 deductible with $22.70 monthly premium. Standard 90-day mail order cost-sharing for Tiers 1, 2, and 3 is $3, $12, and 16% respectively. Standard 30-day retail cost-sharing for Tiers 1, 2, and 3 is $1, $4,  and 16%. 3,221 formulary drugs available.

Humana Premier Rx Plan – $480 deductible with $78.10 monthly premium. Standard 90-day mail order cost-sharing for Tiers 1, 2, and 3 is $3, $12, and $135 respectively. Standard 30-day retail cost-sharing for Tiers 1, 2, and 3 is $1, $4,  and $45. 3,281 formulary drugs available.

Humana Basic Rx Plan – $480 deductible with $36.80 monthly premium. Standard 90-day mail order cost-sharing for Tiers 1, 2, and 3 is $0, $3, and 19% respectively. Standard 30-day retail cost-sharing for Tiers 1, 2, and 3 is $0, $1, and 19%. 3,104 formulary drugs available.

SilverScript Choice – $480 deductible with $35.40 monthly premium. Standard 90-day mail order cost-sharing for Tiers 1, 2, 3, and 4 is $0, $15, 17%, and 35% respectively. Standard 30-day retail cost-sharing for Tiers 1, 2, 3, and 4 is $0, $5, 17%, and 35%. 3,108 formulary drugs available.

SilverScript Plus – $0 deductible with $85.30 monthly premium. Standard 90-day mail order cost-sharing for Tiers 1, 2, 3, and 4 is $15, $30, $141, and 50% respectively. Standard 30-day retail cost-sharing for Tiers 1, 2, 3, and 4 is $0, $2, $47, and 50%. 3,278 formulary drugs available.

WellCare Classic – $480 deductible with $33.90 monthly premium. Standard 90-day mail order cost-sharing for Tiers 1, 2, and 3 is $0, $18, and $117 respectively. Standard 30-day retail cost-sharing for Tiers 1, 2, and 3 is $0, $6, and $39. 3,110 formulary drugs available.

WellCare Value Script – $480 deductible with $5.50 monthly premium. Standard 90-day mail order cost-sharing for Tiers 1, 2, and 3 is $0, $12, and $126 respectively. Standard 30-day retail cost-sharing for Tiers 1, 2, and 3 is $0, $4, and $42. 3,450 formulary drugs available.

WellCare Medicare Rx Value Plus – $0 deductible with $68.90 monthly premium. Standard 90-day mail order cost-sharing for Tiers 1, 2, and 3 is $0, $10, and $117.50 respectively. Standard 30-day retail cost-sharing for Tiers 1, 2, and 3 is $0, $4,  and $47. 3,464 formulary drugs available.

 

Colorado Medicare Advantage Plans

Prices, deductibles, copays, and plan availability can vary, depending on your county of residence. Shown below are several popular plans that include prescription drug benefits. Many additional options are offered with and without prescription coverage. Also, contracts are offered to applicants that are eligible to Medicare and Medicaid.

AARP Medicare Advantage SecureHorizons Plan 2 – $0 per month with $0 deductible. Office visit copays are $0 and $25 with $40 and $90 Urgent Care and ER copays. The outpatient hospital copay is $0-$200. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $10, and $47.

AARP Medicare Advantage SecureHorizons Plan 1 – $44 per month with $0 deductible. Office visit copays are $0 and $20 with $40 and $90 Urgent Care and ER copays.  The outpatient hospital copay is $0-$175. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $10, and $47.

AARP Medicare Advantage Walgreens – $0 per month with $0 deductible. Office visit copays are $0 and $35 with $40 and $90 Urgent Care and ER copays. The outpatient hospital copay is $0-$325. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $0, and $47.

AARP Medicare Advantage Plan 1 – $44 per month with $0 deductible. Office visit copays are $0 and $35 with $40 and $90 Urgent Care and ER copays.  The outpatient hospital copay is $0-$235. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $10, and $47.

AARP Medicare Advantage Choice Plan 1 – $0 per month with $0 deductible. Office visit copays are $0 and $35 with $40 and $90 Urgent Care and ER copays.  The outpatient hospital copay is $0-$325. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $10, and $47.

AARP Medicare Advantage Choice Plan 2 – $0 per month with $350 deductible. Office visit copays are $25 and $40 with $40 and $90 Urgent Care and ER copays.  The outpatient hospital copay is $0-$470. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $8, and $47.

Aetna Medicare Elite Prime – $0 per month with $0 deductible. Office visit copays are $0 and $30 with $65 and $90 Urgent Care and ER copays. The outpatient hospital copay is $0-$350.  Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $0, and $47.

Aetna Medicare Prime (HMO)  – $0 per month with $0 deductible. Office visit copays are $10 and $45 with $65 and $90 Urgent Care and ER copays. The outpatient hospital copay is $0-$400.  Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $10, and $47.

Aetna Medicare Prime (PPO)  – $0 per month with $0 deductible. Office visit copays are $0 and $40 with $65 and $90 Urgent Care and ER copays. The outpatient hospital copay is $0-$350.  Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $5, and $47.

Aetna Medicare Prime 1 (HMO) – $46 per month with $0 deductible. Office visit copays are $0 and $40 with $65 and $90 Urgent Care and ER copays. The outpatient hospital copay is $0-$400.  Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $10, and $47.

Aetna Medicare Prime 1 (PPO) – $46 per month with $0 deductible. Office visit copays are $0 and $40 with $65 and $90 Urgent Care and ER copays. The outpatient hospital copay is $0-$350.  Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $10, and $47.

Aetna Medicare Premier – $93 per month with $0 deductible. Office visit copays are $5 and $40 with $65 and $90 Urgent Care and ER copays. The outpatient hospital copay is $0-$350.  Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $10, and $47.

Anthem MediBlue Plus – $0 per month with $0 deductible. Office visit copays are $0 and $35 with $35 and $90 Urgent Care and ER copays. The outpatient hospital copay is $0-$325. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $5, $8, and $42.

Anthem MediBlue Diabetes Care – $0 per month with $0 deductible. Office visit copays are $0 and $0-$25 with $35 and $90 Urgent Care and ER copays. The outpatient hospital copay is $0-$200. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $7.50, and $40.

Anthem MediBlue Care On Site – $0 per month with $0 deductible. Office visit copays are $0 with $0 and $100 Urgent Care and ER copays. The outpatient hospital copay is $0-$50. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $7.50, and $40.

Bright Advantage – $0 per month with $0 deductible. Office visit copays are $0 and $10 with $30 and $90 Urgent Care and ER copays. The outpatient hospital copay is $225. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $8, and $47.

Bright Advantage Choice – $0 per month with $150 deductible. Office visit copays are $0 and $10 with $40 and $90 Urgent Care and ER copays. The outpatient hospital copay is $300. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $8, and $47.

Bright Advantage Choice Plus – $61 per month with $0 deductible. Office visit copays are $0 and $25 with $35 and $90 Urgent Care and ER copays. The outpatient hospital copay is $300. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $8, and $47.

Bright Advantage Plus – $41 per month with $0 deductible. Office visit copays are $0 and $10 with $30 and $120 Urgent Care and ER copays. The outpatient hospital copay is $200. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $8, and $47.

Bright Advantage Assist – $34.30 per month with $445 deductible. Office visit copays are $0 and $10 with $30 and $120 Urgent Care and ER copays. The outpatient hospital copay is $200. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, 25%, and 25%.

Cigna Preferred Medicare – $0 per month with $0 deductible. Office visit copays are $0 and $25 with $25 and $90 Urgent Care and ER copays. The outpatient hospital copay is $0-$250. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $5, and $42.

Cigna True Choice Medicare – $0 per month with $0 deductible. Office visit copays are $0 and $40 with $30 and $90 Urgent Care and ER copays. The outpatient hospital copay is $0-$250. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $4, and $40.

Clear Spring Health Essential (HMO) – $0 per month with $95 deductible. Office visit copays are $0 and $40 with $35 and $120 Urgent Care and ER copays. The outpatient hospital copay is $40-$150. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $2, $4, and $40.

Clear Spring Health Essential (PPO) – $60 per month with $95 deductible. Office visit copays are $0 and $45 with $30 and $90 Urgent Care and ER copays. The outpatient hospital copay is $40-$150. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $2, $7, and $42.

Denver Health Medicare Select – $34.30 per month with $0 deductible. Office visit copays are $0 and $25 with $25 and $80 Urgent Care and ER copays. The outpatient hospital copay is 20%. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $3, $9, and 25%.

Erickson Advantage Liberty With Drugs – $0 per month with $400 deductible. Office visit copays are $0-$30 and $50 with $50 and $90 Urgent Care and ER copays. The outpatient hospital copay is $0-$300. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $5, $20, and $45.

Erickson Advantage Freedom – $70.00 per month with $200 deductible. Office visit copays are $0-$20 and $40 with $30 and $75 Urgent Care and ER copays. The outpatient hospital copay is $0-$225.  Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $5, $15, and $45.

Erickson Advantage Signature With Drugs – $199 per month with $0 deductible. Office visit copays are $0 and $20 with $30 and $75 Urgent Care and ER copays. The outpatient hospital copay is $0-$50.  Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $5, $10, and $45.

Humana Gold Plus – $0 per month with $0 deductible. Office visit copays are $0 and $30 with $0-$40 and $90 Urgent Care and ER copays. The outpatient hospital copay is $20-$195. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $2, $7, and $47.

Humana Gold Choice – $89 per month with $300 deductible. Office visit copays are $15 and $50 with $15-$50 and $90 Urgent Care and ER copays. The outpatient hospital copay is $20-$325. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $7, $15, and $47.

Humana Value Plus – $34.30 per month with $435 deductible. Office visit copays are 20% with 20% and $90 Urgent Care and ER copays. The outpatient hospital copay is 20%. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $2, $11, and $47.

Kaiser Permanente Senior Advantage Core – $0 per month with $95 deductible. Office visit copays are $5 and $35 with $30 and $90 Urgent Care and ER copays. The outpatient hospital copay is $150. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $2, $10, and $40.

Kaiser Permanente Senior Advantage Silver – $47 per month with $50 deductible. Office visit copays are $0 and $25 with $25 and $90 Urgent Care and ER copays. The outpatient hospital copay is $195. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $2, $10, and $40.

Kaiser Permanente Senior Advantage Gold – $193 per month with $0 deductible. Office visit copays are $0 and $15 with $20 and $80 Urgent Care and ER copays. The outpatient hospital copay is $100. Tiers 1, 2, and 3 prescription drug preferred pharmacy copays are $0, $8, and $40.

 

Find Cheap Medical Coverage In Denver

Compare Low Cost Colorado Health Insurance Rates

How Quickly Can I View Prices?

Almost instantly, since it is a very simple process. Once we know the zip code where you reside, current rates can be calculated for yourself and any other family members. Naturally, prices on “temporary” policies will be the least expensive, since benefits are basic and a deductible typically applies to most coverage.

Until State Exchanges (also referred to as Marketplaces) were fully integrated in 2014, medical history  influenced rates. However,  the Exchanges eliminated most underwriting (other than non-medical) when the Affordable Care Act law was passed and implemented. A federal tax subsidy could help you pay your policy. We can quickly determine which option benefits you most.

To qualify for coverage, you must be a legal resident of the state, and the US. If you are  Medicare-eligible, you can not enroll in an Exchange plan. If you qualify for Medicaid, you can purchase a qualified policy , but will not receive a subsidy. Medicaid premiums will be significantly less expensive.

Medicaid

The Modified Adjusted Gross Income (MAGI) determines your Medicaid eligibility. If household income is under 142% of the MAGI, children to age 18 will qualify. Pregnant females use a 195% ratio. Adults with no children utilize a 133% ratio.

CO Medicaid benefits and services information can also be accessed through this direct link. Details about Copayments, exclusions, prior authorization, dental services, and vision care  can be easily viewed. Primary care and specialist office visits copays are $2 for adults and $0 for pregnant women and children under age 19. Home health care and telemedicine visits have no copays.

Emergency Room visits have no copay. Non-emergency visits have a $6 copay and ambulance services are covered at 100%.

 

What Are The Cheapest 2022 Health Insurance Plans In Colorado?

Although “Catastrophic”  plans are the least expensive, they are only offered to persons under age 30, unless you meet specific financial hardship guidelines. Since “Bronze” contracts are available to everyone, we listed below several of the cheapest policies offered. Household income/subsidy reductions were not considered.  Also, many policies are not available in all counties. The Colorado Department of Insurance regulates participating companies and approves all plans (Group and private). Proposed rate changes are also reviewed by the DOI.

 

Catastrophic Tier

Bright Health Catastrophic – $0 copay for first three pcp office visits. $8,700 deductible with $8,700 maximum out-of-pocket expenses and 0% coinsurance.

Friday Health Plans Friday Catastrophic  – $0 copay for first three pcp office visits. $8,700 deductible with $8,700 maximum out-of-pocket expenses and 0% coinsurance.

Kaiser KP Select CO Catastrophic – $0 copay for first three pcp office visits. $8,700 deductible with $8,700 maximum out-of-pocket expenses and 0% coinsurance.

Anthem BCBS Catastrophic Pathway Essentials X HMO 8700 – $40 copay for first three pcp office visits. $8,700 deductible with $8,700 maximum out-of-pocket expenses and 0% coinsurance.

Oscar Secure – $0 copay for first three pcp office visits. $8,700 deductible with $8,700 maximum out-of-pocket expenses and 0% coinsurance.

 

Bronze Tier

Bright Health Bronze 8700 Rx Copay – $0 copay for first two pcp office visits. $8,700 deductible with $8,700 maximum out-of-pocket expenses and 0% coinsurance. The Urgent Care copay is $75. Preferred generic, preferred brand, and non-preferred brand drug copays are $0/$40, $200, and $400.

Bright Health Bronze 7000 Direct – $35 copay for pcp office visits ($0 copay for first visit). $7,000 deductible with $8,700 maximum out-of-pocket expenses and 40% coinsurance. The Urgent Care copay is $75. Preferred gneric drug copay is $25.

Bright Health Bronze 8700 Limited Direct – $80 office visit copay for pcp office visits. $8,700 deductible with $8,700 maximum out-of-pocket expenses and 0% coinsurance. The Urgent Care copay is $50. Preferred generic drug copay is $25.

Kaiser KP Select CO Bronze 8500/50 – $50 and $70 pcp office visits (first visit). $8,500 deductible with $8,700 maximum out-of-pocket expenses and 50% coinsurance. Generic drug copays are $30 ($60 mail order).

Kaiser KP Select CO Bronze 6500/50 – $50 copay for first three pcp office visits. $6,500 deductible with $8,700 maximum out-of-pocket expenses and 40% coinsurance. Generic drug copay is $30 ($60 mail order).

Kaiser KP CO Bronze 8500/50 – $50 and $70 pcp office visits (first visit). $8,500 deductible with $8,700 maximum out-of-pocket expenses and 50% coinsurance. Generic drug copays are $30 ($60 mail order).

Kaiser KP Select Bronze 6500/35%/HSA – HSA-eligible plan with $6,500 deductible and maximum out-of-pocket expenses of $7,000 and 35% coinsurance.

Kaiser KP Select CO Bronze 7000/50 RX Copay – $50 copay for first two pcp office visits. $7,000 deductible with $8,700 maximum out-of-pocket expenses and 45% coinsurance. The Urgent Care copay is $150 for the first two visits. Generic drug copay is $30 ($60 mail order). Preferred brand drug copay is $150 ($300 mail order).

Anthem BCBS Bronze Pathway Essentials HMO 8700 – $40 copay for first three pcp office visits.   $8,700 deductible with $8,700 maximum out-of-pocket expenses and 0% coinsurance.

Anthem BCBS Bronze Pathway Essentials  HMO 6000 – $45 copay for first three pcp office visits.  Urgent Care copay is $50. $6,000 deductible with $8,700 maximum out-of-pocket expenses and 40% coinsurance.

Cigna Connect Flex Bronze 8700 –  $8,700 deductible with maximum out-of-pocket expenses of $8,700 and 0% coinsurance.

Cigna Connect Flex Bronze 7200 –  $7,200 deductible with maximum out-of-pocket expenses of $8,700 and 50% coinsurance.  $40 and $80 office visit copays and $60 Urgent Care copay.

Cigna Connect HSA Bronze 6500 – HSA-eligible plan with $6,500 deductible and maximum out-of-pocket expenses of $7,000 and 30% coinsurance.

Friday Health Plans Friday Bronze Plus Copay –  $8,700 deductible and maximum out-of-pocket expenses of $8,700 and 0% coinsurance.

Friday Health Plans Friday Bronze Rx Copay X –  $8,700 deductible and maximum out-of-pocket expenses of $8,700 and 0% coinsurance. $0 pcp office visit copay and $30 generic drug copay.

Elevate By Denver Medical Plan Bronze Standard Rx Copay –  $8,550 deductible with $8,550 maximum out-of-pocket expenses and 0% coinsurance.

Elevate By Denver Medical Plan Bronze HDHP –  $6,950 deductible with $7,000 maximum out-of-pocket expenses and 50% coinsurance. HSA-eligible.

Oscar Bronze Classic – $50 copay for first two pcp office visits.   $6,500 deductible with $8,700 maximum out-of-pocket expenses and 50% coinsurance. $3 generic drug copay.

Oscar Bronze Simple – $75 and $100 office visit copays.   $7,500 deductible with $8,700 maximum out-of-pocket expenses and 50% coinsurance. $75 Urgent Care copay. $3 generic drug copay. $30 generic Tier 1B coppay.

Rocky Mountain Health Plans Monument One Bronze 7200 – $60 and $100 office visit copays.   $7,200 deductible with $8,550 maximum out-of-pocket expenses and 40% coinsurance. Tier 1-5 drug copays are $0, $15, $25, $50, and 30%.

Rocky Mountain Health Plans Monument One Bronze HSA 7000/100 – HSA-eligible plan with $7,000 deductible and maximum out-of-pocket expenses of $7,000 and 0% coinsurance.

 

Silver Tier  (Eligible For Cost-Sharing)

Kaiser KP Select CO Silver 5000/25 – $25 and $80 office visit copays with $100 Urgent Care copay.  $5,000 deductible with $8,550 maximum out-of-pocket expenses and 40% coinsurance. Generic drug copay is $15 and preferred brand drug copay is $85 ($30 and $170 mail order).

Kaiser KP Select CO Silver 3500/20%/HSA – HSA-eligible plan with $3,500 deductible, 20% coinsurance, and $7,000 maximum out-of-pocket expenses. Generic drug copay is $15 ($30 mail order).

Kaiser KP Select CO Silver 5000/25 – $25 and $80 office visit copays with $100 Urgent Care copay.  $5,000 deductible with $8,550 maximum out-of-pocket expenses and 40% coinsurance. Generic and preferred brand drug copays are $15 and $85 ($30 and $170 mail order).

Kaiser KP Select CO Silver 4000/30 Rx Copay – $30 and $80 office visit copays with $100 Urgent Care copay.  $4,000 deductible with $8,700 maximum out-of-pocket expenses and 35% coinsurance. Generic, preferred brand, and non-preferred brand drug copays are $20, $90, and $400 ($40, $180, and $800 mail order).

Cigna Connect Flex Silver 5500 – $25 and $80 office visit copays with $5,500 deductible, $8,700 maximum out-of-pocket expenses, and 25% coinsurance. $50 Urgent Care copay. Generic and preferred brand drug copays are $25 and $80 ($75 and $240 mail order).

Cigna Connect Flex Silver 4500 Rx Copay – $10 and $80 office visit copays with $4,500 deductible, $8,700 maximum out-of-pocket expenses, and 30% coinsurance. $50 Urgent Care copay. Preferred generic, generic, and preferred brand drug copays are $3, $25, and $75 ($9, $75, and $225 mail order). Non-preferred drug copays are $500 and $1,500.

Cigna Connect Flex Silver 3500 Rx Copay – $15 and $80 office visit copays with $3,500 deductible, $8,700 maximum out-of-pocket expenses, and 30% coinsurance. $50 Urgent Care copay. Preferred generic, generic, and preferred brand drug copays are $3, $25, and $80 ($9, $75, and $240 mail order). Non-preferred drug copays are $500 and $1,500.

Bright Health Silver HSA – HSA-eligible plan with $4,000 deductible and maximum out-of-pocket expenses of $7,050 and 20% coinsurance.

Bright Health Silver 5000 Rx Copay – $40 ($0 first three visits) and $75 office visit copays.  $5,000 deductible with $8,700 maximum out-of-pocket expenses and 40% coinsurance. The Urgent Care copay is $75.  Preferred generic, preferred brand, and non-preferred generic drug copays are $0/$25, $80, and $80. The non-preferred generic and non-preferred brand drug copays are $180. The Specialty drug copay is $650.

Bright Health Silver 4200 – $10 pcp office visit copay.  $4,200 deductible with $8,550 maximum out-of-pocket expenses and 40% coinsurance. The Urgent Care copay is $75.  Preferred generic drug copay is $10.

Anthem BCBS Silver Pathway Essentials  HMO 5000 – $35 pcp office visit copay.  Urgent Care copay is $50. $5,000 deductible with $8,700 maximum out-of-pocket expenses and 35% coinsurance. Generic and preferred brand/ non-preferred generic drug copays are $5 and $40 ($15 and $120 mail order).

Anthem BCBS Silver Pathway Essentials  HMO 6500 Rx Copay – $40 pcp office visit copay.  Urgent Care copay is $50. $6,500 deductible with $8,000 maximum out-of-pocket expenses and 40% coinsurance. Generic and preferred brand/ non-preferred generic drug copays are $5 and $40 ($15 and $120 mail order). Tier 3 and Tier 4 drug copays are $90 and $660.

Friday Health Plans Silver –  Pcp office visits allowed with $0 copay. $5,500 deductible and maximum out-of-pocket expenses of $8,700 and 20% coinsurance. $0 generic drug copay with $75 Urgent Care copay.

Friday Health Plans Friday Silver Rx Copay –  Pcp office visits allowed with $0 copay. $4,300 deductible and maximum out-of-pocket expenses of $8,700 and 20% coinsurance. $0 generic drug copay with $75 Urgent Care copay.

Friday Health Plans Friday Silver Copay –  Pcp office visits allowed with $0 copay. $5,500 deductible and maximum out-of-pocket expenses of $8,700 and 20% coinsurance. $0 generic drug copay with $75 Urgent Care copay. $100 copay for diagnostic tests.

Elevate By Denver Medical Plan Silver Standard Rx Copay –  $3,750 deductible with $8,150 maximum out-of-pocket expenses and 30% coinsurance.

Oscar Silver Saver 2 – $40 office visit copays with $75 Urgent Care copay.  $6,200 deductible with $8,550 maximum out-of-pocket expenses and 50% coinsurance. Generic drug copay is $3 and preferred brand drug copay is $75.

Rocky Mountain Health Plans Colorado Doctors Plan Silver 3 Free Visits 4000 – $0 copay for first three pcp office visits.  $25 and $100 office visits thereafter.  $4,000 deductible with $8,550 maximum out-of-pocket expenses and 40% coinsurance. Tier 1-3 drug copays are $15, $25, and $50.

 

Gold Tier

Anthem BCBS Gold Pathway Essentials HMO 1400 – $30 and $60 office visit copays.  $1,400 deductible with $8,550 maximum out-of-pocket expenses and 30% coinsurance. The Urgent Care copay is $50.  Generic, preferred brand, and non-preferred brand drug copays are $5, $40, and $80. The Specialty drug copay is $650.

Kaiser KP CO Gold 1500/20 – $20 and $60 office visit copays with $75 Urgent Care copay.  $1,500 deductible with $7,800 maximum out-of-pocket expenses and 25% coinsurance. Generic and  brand drug copays are  $10 and $40.

Kaiser KP CO Gold 2000/20 – $20 and $60 office visit copays with $75 Urgent Care copay.  $2,000 deductible with $8,200 maximum out-of-pocket expenses and 35% coinsurance. Generic drug copay is $10.

Kaiser KP CO Gold  0/20  RX Copay – $20 and $55 office visit copays with $75 Urgent Care copay.  $0 deductible with $7,500 maximum out-of-pocket expenses and 35% coinsurance. Generic and brand drug copays are $10 and $35. Non- preferred brand drug copays are $375.

Elevate By Denver Medical Plan Gold Standard –  10% coinsurance for pcp office visits.  $2,750 deductible with $7,000 maximum out-of-pocket expenses and 10% coinsurance. Generic and preferred brand drug copays are $15 and $25, and $30 and $50 (90-day mail order). Non- preferred brand drug copays are $55 and $110.

Elevate By Denver Medical Plan Gold Select –  $15 and $25 office visit copays with $75 Urgent Care copay. $2,750 deductible with $7,000 maximum out-of-pocket expenses and 10% coinsurance. Generic and preferred brand drug copays are $10 and $35, and $20 and $70 (90-day mail order).

Friday Health Plans Friday Gold X –  Pcp office visits have $0 copay.  Urgent Care copay is $75. $2,300 deductible and maximum out-of-pocket expenses of $8,250 and 20% coinsurance. Generic drug copay is $0.

Friday Health Plans Friday Gold Rx Copay X –  Pcp office visits have $0 copay. Urgent Care copay is $75. $950 deductible and maximum out-of-pocket expenses of $8,250 and 20% coinsurance. Generic drug copay is $0. Preferred brand copay is $250. Non-preferred brand drug copay is $350.

Bright Health Gold 3000 Rx Copay Direct – $20 ($0 for first two visits) and $40 office visit copays.  $3,000 deductible with $8,150 maximum out-of-pocket expenses and 20% coinsurance. The Urgent Care copay is $75.  Generic, preferred brand, and non-preferred brand drug copays are $10, $50, and $100. The ER copay is $600.

Rocky Mountain Health Plans Colorado Doctors Plan Gold $5 Primary Care RX Copay – $5 and $55 office visit copays.  $2,500 deductible with $8,550 maximum out-of-pocket expenses and 20% coinsurance. Tier 1-3 drug copays are $10, $25, and $70. $75 Urgent Care copay and $300 ER copay.

 

How Much Does Coverage Cost?

Of course, there are many scenarios. For this example, monthly rates are shown for a 34-year-old living in Denver with approximate income of $25,000 per year. Rates shown below are monthly. The federal subsidy has been applied. This list represents only a small portion of available policies.

$102 – Bear EPO HSA (Colorado Health Coop)

$107 – Bear EPO (Colorado Health Coop)

$117 – KP Select CO Bronze 5000/30%/HSA (Kaiser)

$138 – Bison Flex EPO (Colorado Health Coop)

$142 – Bronze 6300 (Humana)

$172 –  3650 Silver (Humana)

$189 – Bighorn EPO-HSA (Colorado Health Coop)

$209 – KP Select CO Gold 1000/20 (Kaiser)

$254 – Platinum 1000 (Humana)

How Do I Buy A  Plan?

It’s actually very easy. Once you have requested a free quote on this website, shortly, you’ll be presented with the best options for your medical coverage. After you have picked the plan to apply for (you can choose to compare yourself or utilize our assistance), you can enroll by phone, mail, or online. During Open Enrollment and SEP exemptions, no medical questions are asked and the process typically takes about 15 minutes.

If you qualify for a federal subsidy, an instant tax credit reduces the premium and you may also be eligible for “cost-sharing” on Silver-tier plans. This feature can substantially lower your deductible, copays, and maximum out-of-pocket costs.

If you miss Open Enrollment, we will show you the most affordable plan options that will cover you until the next Open enrollment period begins.

Denver Area Healthcare Options

Does It Make  A Difference Where I Live?

Yes, it does. Although it is not a significant difference, often bigger cities, such as Denver, Aurora, Lakewood or West Adams, will have different pricing than smaller cities, such as Durango, Fort Carson, Wheat Ridge or Fruita. One of the major determinants in rates is how expensive (or inexpensive) the cost of an office visit, lab test or daily stay in a hospital is. And of course, the proximity of the hospital or provider will impact the prices.

The process changed starting in 2014 (actual Open Enrollment began October 2013). We will continue to help you find the best medical coverage in Colorado. However, your premium will no longer be based on your health. Instead, where you live, how old you are, whether you smoke and how much money you make will be the main criteria. A “Marketplace” in the state will decide which plans you can purchase and what companies will participate in this Exchange.

Initially, 10 carriers  notified the Department Of Insurance that they would like to offer Exchange policies, although the number has gradually increased.  Prices start (approximately) at $200 per month for a single option and $700 per month for a family policy. The Colorado Consumer Health Initiative (CCHI) is anticipated  increased business activity as a result of the easier access of coverage.

Older Updates:

More than 150,000 persons visited the “Connect For Health” website the first week of Open Enrollment. Since it is NOT the federal Marketplace, most  glitches and delays were avoided. The deadline for submitting an application for a Jan 1, 2020 effective date is December 15th.

Because the cost of  new state benchmark plans (second lowest-cost Silver tier policy) are reducing by about 15%, other subsidized plans will receive less financial aid, and many persons may see large rate increases if they keep their policy. For applicants that qualified for tax credits, the average increase may be as much as $100 per month.

About four out of five residents of the state live in counties where the second lowest-cost Silver option price is going down, thus increasing many other person’s pricing. To offset increases, consumers can  shop multiple plan options, and consider higher-deductibles and different tiers.

The Colorado Health Benefits Exchange has a new Board member. Denise M. O’Leary was appointed by Governor Hickenlooper to the unpaid position. She will serve until next July. There are a total of 12 members, although only nine have voting privileges.

Also, Connect For Health previously raised fees on plans purchased through the Marketplace from 1.4% to 3.5%. This did not include the expected rate increases on most individual plans. Despite the increase, the Exchange will run their operations in the red, with expected losses to be approximately $5 million. Profitability is hoped to occur within two years.

Single-payer health insurance in Colorado? It could have become a reality two years ago if about 98,000 signatures were collected.  “Initiative 20”  would have cost state residents $25 billion but needed the signatures to appear on the ballot.  If passed, “Connect For Healthcare Colorado” would have slowly dismantled and replaced by a State Board.

Instead, a 10% tax would be added to premiums to pay for the program. However, there is no guarantee that the 10% increase will be enough to sustain the new program. Although residents would still have the flexibility to choose different providers, the cost of treatment would be paid by the government, and not private insurers. Dubbed “ColoradoCare” by its supporters, an additional benefit to help pay premiums would be the lowering of administrative costs.

Colorado Health OP, the state’s CO-OP established by the Obamacare legislation, was previously shut down by the Department of Insurance. Plans stopped being offered through the State Marketplace beginning three years ago. The Co-OP, however disagrees with the DOI decision, stating that they planned to pay back all outstanding federal loans by their due date.

However, the risk to consumers outweighed the financial instability of Colorado Health OP, and new policies will no longer be sold. The “Risk Corridor” shortage was a concern since not enough money was currently held in reserves.  Any submitted claim on an existing policy is expected to be paid.

Universal Health Care is back on the ballot. More than 150,000 signatures were submitted, so next year the state will vote again to opt out of the ACA Legislation. If approved, employers would pay an additional 7% of each employee’s  income. Stay tuned because the battle is just beginning.

Open Enrollment for 2021 coverage begins November 1, and ends December 15.  Although rates are increasing, all carriers are returning, including Anthem. Nine companies will offer policies, although specific rates have not yet been determined.