I have health insurance. What do I need to know?

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Important Dates

November 15, 2014:
Open enrollment for Connect for Health Colorado re-opens. Medicaid enrollment is year-round.

April 15, 2015:
Unless you are exempt, you must provide proof of insurance when filing your 2014 taxes. Go to IRS.gov for more information.

The Affordable Care Act — sometimes called Obamacare — is the 2010 federal law intended to increase the availability and affordability of health insurance for Americans while reducing the overall costs of health care.

The Affordable Care Act is now in effect. For example, children can now stay on their parents’ health insurance until age 26 — even if they live on their own and aren’t in school. The law also requires insurance companies to cover people with pre-existing conditions and makes it harder to cancel someone’s policy just because they’re ill.

So what does all this mean to Coloradans?

This Affordable Care Act timeline lays out some of the biggest changes and their start dates. It’s important to know that many of the law’s major provisions take effect in 2014. For example, starting in 2014 most Americans will be required to have health insurance.

Like most Americans, you already have employer-provided health insurance, privately purchased insurance, Medicaid, Child Health Plan Plus, Medicare, or military coverage. Therefore, you probably won’t need to do anything. Most of the changes have to do with expanding health care coverage to Americans who are uninsured. If you do not have health insurance you see our I Need Health Insurance page.

What if I want to explore my options?

If you lose your health coverage in the future or are unhappy with your current coverage visit our I Need Health Insurance page to learn about other health coverage options available to you.

Also, you’re free to buy health insurance from a private company or broker anytime. All plans have been reviewed by the Colorado Division of Insurance to make sure they meet the requirements for health care reform.

Roadmap To Health (PDF)Now that I have insurance, what do I do?

Confused about how to use your health insurance and get the health care you need? The Centers for Medicare & Medicaid Services (CMS) created a series of videos to walk you through the basics. See “From Coverage To Care” to watch them in either English or Spanish. You can also read A Roadmap to Better Care and a Healthier You from CMS on how to use your private insurance benefits.


Health Insurance Consumer Information