- Can I be covered under my parents’ plan if I’m married?
- Do I have to live in my parents’ home to be covered as a dependent under their policy?
- Do my parents have to claim me as a tax dependent for me to be on their health plan to age 26?
No. You do not need to be a tax dependent of your parents to continue to be covered as a dependent on their health plan. For more information about coverage for young adults click here.
- How do I apply for an exemption from the fee for not having health coverage?
- How do I know if I qualify for expanded Medicaid coverage?
See: Get Covered
- How do I prove that I had coverage and satisfied the mandate?
- How safe is my personal information? What policies exist to keep my information secure?
For more information regarding privacy policies click here.
- I am a health care provider and have received numerous questions about health care reform from my patients. What information do I need to know about the law?
To find out more information about the Affordable Care Act (health care reform), Medicaid expansion and Connect for Health Colorado visit the ACA Resources for Health Care Providers page. This page has been designed specifically to help health care providers and their staff answer patient questions about health care reform.
- I am a health care provider and my patients have asked me about the new way to buy health insurance through the Connect for Health Colorado marketplace. Where can I find out more information about the marketplace?
To find out more information about the Affordable Care Act (health care reform), Medicaid expansion and Connect for Health Colorado visit the ACA Resources for Health Care Providers page. This page has been designed specifically to help health care providers and their staff answer patient questions about health care reform. You can also visit Connect for Health Colorado for more information about buying insurance through the marketplace.
- I am a health care provider and want to have materials in my office about Medicaid. Where can I find resources I can share with my patients?
To find out more information about the Affordable Care Act (health care reform), Medicaid expansion and Connect for Health Colorado visit the ACA Resources for Health Care Providers page. This page has been designed specifically to help health care providers and their staff answer patient questions about health care reform and share materials that can be downloaded and displayed.
- I currently have a medical discount card or am enrolled in a medical discount program. Will that satisfy my individual responsibility to have health insurance beginning in 2014?
No. Programs that only offer discounts on medical services do not meet minimum essential coverage and do not qualify as health insurance coverage in 2014. If you have only these types of coverage, you may have to pay the fee. Get more information from Healthcare.gov and the Colorado Division of Insurance.
- I just received a letter from insurer stating my insurance policy was cancelled. What should I do?
Beginning in August 2013, some consumers may have received insurance policy cancellation notices from their insurance carrier. The main reason for some insurance companies to cancel current insurance policies is because the benefits in the plan will not meet the requirement of the Affordable Care Act (health care reform) that take effect January 1, 2014. Starting January 1, 2014, all health plans sold after March 2010 are required to provide essential health benefits, insurers cannot reject people with pre-existing conditions or charge them higher prices, plans cannot have annual or lifetime limits on coverage and insurance policies must put a limit on consumer’s out-of-pocket expenses. For the plans that insurance companies are cancelling, most are insurance plans sold to consumers after March 2010.
If you receive a cancellation letter from your insurance company, read it carefully. The letter may contain specific instructions from the insurer. If you have questions about the cancellation letter you’ve received, please contact the Division of Insurance Consumer Affairs by calling 1-303-894-7490 (Denver metro) or 1-800-930-3745 or by emailing email@example.com.
Visit our Get Coverage page to explore your options for new insurance coverage through Medicaid or the Connect for Health Colorado marketplace, where you can find out if you qualify for financial assistance to help pay for your coverage.
- I need coverage now. What are my options?
- I’m a young adult and I need health insurance. What are my coverage options?
A number of options may be available to you:
- If your monthly income is below about $1,250 a month, you may newly qualify for Medicaid beginning in January 2014. To find out if you qualify for free or low cost health insurance through Medicaid click here.
- If you make more than about $1,250 a month, then you may qualify for financial assistance to help you buy health insurance through the Connect for Heath Colorado marketplace. To find out if you qualify click here.
- If your parents have health insurance that offers dependent coverage, you can join (or stay on) their health insurance policy as a dependent and remain covered until your 26th birthday. Get more information.
- The Colorado Young Adult (CYA) plans are a new kind of health plan, designed primarily for adults under age 30, that provide limited benefits and are designed to protect customers from very high-cost emergencies. Get more information.
- Also, if you are a student, you may be able to enroll in student health offered through your college or university.
- I’m an American college student and I plan to study abroad next semester. Am I required to have U.S. health insurance while I’m living in another country?
Yes, unless you qualify for another exception. If you are a student temporarily living abroad for part of the year, and don’t qualify for any other exceptions, you would be required to have health insurance or else pay a penalty. To find out more about the exemptions to the individual mandate click here.
- I’m currently on Medicaid. Will anything change for me? Do I need to reapply?
- I’m uninsured. Am I required to get health insurance coverage in 2014?
- On what grounds can I apply for a hardship exemption to the individual mandate?
- What is the Medicaid expansion?
- What is the penalty if I do not have health insurance coverage?
- What type of insurance satisfies the individual responsibility mandate to have health insurance?
To avoid a penalty, most Coloradans will need to have health insurance coverage beginning in 2014. Your health insurance coverage must provide minimum essential coverage. If you are covered by any of the following types of insurance in 2014, you satisfy the individual responsibility mandate to have health insurance and will not have to pay a penalty:
- Child Health Plan Plus (CHP+)
- Any plan purchased through the Connect for Health Colorado marketplace, or any individual insurance plan you already have.
- Any employer plan, including COBRA, with or without “grandfathered” status. This includes retiree plans.
- TRICARE (for current service members and military retirees, their families, and survivors)
- Veterans health care programs (including the Veterans Health Care Program, VA Civilian Health and Medical Program (CHAMPVA), and Spina Bifida Health Care Benefits Program)
- Peace Corps Volunteer plans
Other plans may also qualify. Ask your health insurance provider.
- When does the new Medicaid coverage start?
See: Get Covered
- Who is exempt from having insurance beginning in 2014?
- Who is impacted by expanded Medicaid?
- Will Medicaid count as coverage so I can avoid a penalty?
- Will Medicare change under the health reform law?