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Colorado Health Insurance

If you're looking for Colorado health insurance quotes you've come to the right place. Compare quotes instantly from the leading carriers in the state of Colorado and see how you can save on top-rated coverage. Enter your Colorado zip code above to get started or browse below for more information about Colorado health insurance plans in your community.
9th Place in State Health Report Card

State Health Report Card

1. Colorado's obesity rate is the lowest in the U.S. However, the number of obese adults has risen from 454,000 to 814,000 in the past ten years. 2. The rate of uninsured decreased from 15.6% to 13.8% in the past year. 3. Rate of smoking among adults has decreased from 19.8% to 16.0%; still, there are 609,000 adult smokers in Colorado. 4. There are 228,000 adults living with diabetes in the state, with the rate increasing from 4.8% to 6.0% in the past five years. 5. The percentage of children living inpoverty has increased from 10.9% to 18.5% in the past ten years.

Colorado Health Insurance Laws and Regulations

Health insurance companies in Colorado are required to offer their customers guaranteed renewability. A subscriber's insurance policy will not be cancelled as long as there is no breach in contract. Health insurance providers in Colorado can exclude coverage for a pre-existing condition with certain limitations. After one year, insurers are required to cover the condition. You can also transfer to a new policy without going through another period of full exclusion. New applicants in Colorado may be denied coverage on the basis of failing health. Insurance companies can raise premiums of existing policyholders based on age, health condition, and other related factors. Small businesses that are reviewing Colorado health insurance quotes can purchase any form of small-business group health insurance available to other companies. However, a minimum number of enrollees may be required to support the group's insurance policy. Health insurers cannot set the premium rates of small-business group health policy according to age, family status, and location. Insurance companies cannot cancel coverage nor adjust premium rates due to the health of the subscribers. Self-employed individuals reviewing Colorado health insurance quotes can choose to purchase an individual or a small-business health insurance, provided the company has at least one employee. Those under individual coverage can deduct a portion of their premium payments from their tax liability.

State Government Insurance Programs Offered

CoverColorado

888-770-1120 303-863-1960 (Enrollment)

CoverColorado is a high-risk pool providing Colorado health insurance to individuals who were denied coverage due to an existing health condition. Benefits include physician care, prescription drugs, diagnostic tests, x-rays, hospitalization, and certain mental health care services. If there is a gap in your Colorado health insurance plan within the past 90 days prior to application, you need to wait 6 months before expenses related to your pre-existing condition will be covered. However, this waiting period is not applicable if you have been insured continuously for at least 6 months within 90 days of application. Eligibility: 1. You must be a Colorado resident for at least 6 months prior to application. 2. You may transfer to CoverColorado from another state's high-risk pool. 3. You may be a HIPAA-eligible applicant. 4. You must not be eligible for Medicaid, Medicare or other health insurance. 5. You must have a qualifying health condition. 6. You may be eligible through the Trade Adjustment Assistance Act (TAA) Coverage or Health Coverage Tax Credit.

GettingUSCovered

877-779-0387 (Enrollment) 877-397-1109 (Customer Service)

GettingUSCovered is Colorado's Pre-Existing Condition Insurance Plan operated by Rocky Mountain Health Plans and CoverColorado. This is a federal high-risk pool program which offers coverage to individuals with a pre-existing condition who have a hard time finding a private health insurance. This offers a wide range of benefits which include primary and specialty health care, mental health coverage, preventive care services, and prescription drug coverage. Eligibility: 1. Must be a U.S. resident living in Colorado. 2. Must be uninsured for at least six months. 3. Must have a qualified pre-existing health condition.

Colorado Health Plan

303-866-3513 (Metro Denver) 800-221-3943 (outside Metro Denver)

Colorado Health Plan is the state's Medicaid program which offers coverage to low-income individuals and families who cannot pay for medical care as long as they meet financial and other eligibility requirements. Benefits for this program include physician services, medical and dental check-ups, diagnostics, prescriptions, hospital services, hospice, dental care, family planning, maternity, prenatal, newborn care, drug and alcohol treatment, and mental health services. Eligibility: 1. Must be U.S. citizens or legal residents living in Colorado. 2. Must not exceed income limits: SSI aged or disabled: 75% FPL. Pregnant women and children aged 0 to 5: 133% FPL. Children aged 6 to 18: 100% FPL. Parents or caretakers living with children aged 0 to 18: 66% FPL.

Child Health Plan Plus (CHP+)

800-359-1991

This is a state-sponsored health program providing children and pregnant women with health coverage. This program is designed for low-income families who are ineligible for Medicaid coverage. This program's benefits include checkups, hospital services, prescriptions, immunizations, eyeglasses, hearing aids, dental services up to $600 a year. This program also covers pre-existing health conditions. Eligibility: 1. Must be U.S. citizens or permanent residents living in Colorado for at least 5 years. 2. Must be children aged 0 to 18; or pregnant women aged 19 and above. 3. Must not be in prison or in a mental institution. 4. Must be uninsured or ineligible for Medicaid. 5. Must be under the income limit of 250% FPL.

Women’s Wellness Connection (WCC)

303-692-2581 866-951-9355

The program provides breast and cervical cancer screening (mammograms, clinical breast exams, Pap tests and pelvic exams) and selected diagnostic services. Cancer treatment for some women qualified through Medicaid.

Indian Health Services

505-248-4500

Indian Health Service (IHS) provides medical and public health services to American Indians and Alaska Natives. IHS provides a broad range of inpatient and outpatient services through health facilities which include hospitals, health centers, field clinics located near population centers. Eligibility Members of a Federally recognized Tribe are eligible for IHS health services. You may qualify if you are not excluded by law, and: 1. Are of Indian and/or Alaska Native descent; or 2. Are an Indian of Canadian or Mexican origin; or 3. Are a non-Indian pregnant woman carrying an eligible Indian's child. Coverage can be up to 6 weeks post partum; or 4. Are a non-Indian who belongs to an eligible Indian's household and the medical officer decides that services are needed for public health safety.

Health Coverage Tax Credit

866-628-4282

Health Coverage Tax Credit covers up to 80% of premiums for qualified trade-impacted workers or TAA recipients. This is a federal tax credit created by Congress through the Trade Act of 2002 which aims to make health coverage more affordable and accessible for those who may not afford it. Benefits for HCTC plans include doctor visits, prescription drugs, inpatient and outpatient care, preventive care, medical care, mental health, and substance abuse care. Eligibility: 1. Must be 55 years or older and receiving pension from Pension Benefit Guaranty Corporation; or receiving Trade Adjustment Assistance. 2. Must have a qualified Colorado health insurance plan and must be paying for more than 50% of the premiums. 3. Must NOT be in prison, be listed as a dependent in tax returns, belong to certain state plans, be a recipient of 65% COBRA subsidy.

VA Medical Benefits Package

877-222-8387

The Veteran Affairs (VA) Medical Benefits provides standard health benefits plan to veterans enrolled in the program. Benefits are portable and can be accessed anywhere in the VA system. Benefits include preventive and primary care, and a full range of outpatient and inpatient services. Eligibility 1. Must have veteran status.

Heath Care Reform

With the new health care law, children under the age of 26 can choose to stay under their parent's health plan as long as they are not offered an employer-based health insurance. This provision enabled 2.5 million young adults to have insurance nationwide. In Colorado, nearly 44,000 young adults have insurance coverage through this provision as of June 2011.

The new health care law allowed nearly 43,000 Medicare policyholders in Colorado to receive a $250 rebate check to help with prescription drug costs when they fell into the Medicare gap in 2010. In 2011, more than 39,000 Medicare plan holders were given a 50% discount on brand-name prescription drugs covered by their plans when they hit the donut hole. An average of $579 per person or a total of $22,846,993 was saved in Colorado.

Previously uninsured individuals without health coverage because of a pre-existing condition can now apply for a Pre-Existing Condition Insurance Plan. This plan is available to U.S. citizens or legal residents with a pre-existing condition and have been uninsured for at least 6 months. In 2011, more than 1,000 individuals in Colorado have benefited from this new law.

The new health care law requires all health insurers to allocate at least 80 percent of the premium payment on health care and related improvements. A rebate or premium discount shall be provided if the minimum is not met. All private policyholders in Colorado will get greater value for their premium payments because of this 80/20 rule.

With the new law, insurance companies are now required to provide their subscribers with preventive care services like immunizations, colonoscopies, mammograms, or annual wellness doctor visits with no deductible or co-pay. In 2011, more than 380,000 Medicare subscribers and more than 973,000 individuals with private policies received such services in Colorado.

Under the new law, insurance companies are no longer allowed to impose an annual dollar limit-a cap on the yearly spending for your benefits, or a lifetime dollar limit-a lifetime cap for spending for your covered benefits. This law frees chronically ill individuals like cancer patients from worrying about getting further treatment because of such limitations. In 2011, more than 1.9 million Colorado residents have benefited from this law.

If insurance companies want to raise their premium rates by ten percent or more, they are required by federal law to publicly announce and justify their actions. To guard against such unreasonable increases, the state of Colorado received a total of $5 million.

All fifty states receive increases in funding for community health centers under the Affordable Care Act. This will help construct new health centers, provide medical services to more patients, improve preventive and primary health care services, and fund infrastructure projects. In Colorado, 170 community health centers received a total of $53.9 million to fund these improvements.

In 2010, the Affordable Care Act created the Prevention and Public Health Fund. This new fund was created for wellness promotion, disease prevention, and protection against public health emergencies. Colorado has already received a total of $17.2 million to support its policies, programs, and communities to help its residents lead healthier lives.