I need health insurance. What are my options?

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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.

If you do not have health care coverage, you should know that most Americans must have health insurance in 2014 or pay a penalty.

Colorado’s health care laws can help more people access the insurance they need. As of 2014, more Coloradans are now able to qualify for health insurance coverage through Medicaid. Also, residents who qualify will have access to financial assistance to help them buy insurance through the Connect for Health Colorado marketplace.  These changes will make it easier for many Coloradans to meet the federal requirement to have health insurance coverage.

No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses. Health insurance coverage can also help you get and stay healthy by covering some preventive and wellness services.

More Coloradans can now get Medicaid

Now, more adults without kids and parents may qualify for free or low cost coverage through  Medicaid. Medicaid covers doctor visits, hospital stays, emergency room and urgent care, prescription drugs, dental services, behavioral and mental health services, x-rays and blood work, well-child visits, maternity care, newborn care and many others. Learn more about what Medicaid covers.

Connect for Health Colorado Marketplace

Connect for Health Colorado may also help you meet the insurance requirement. Having health insurance can help protect your health and your financial future.

• If you don’t have health insurance but make too much money for Medicaid, Connect for Health Colorado can help you learn if you qualify for federal financial assistance to help lower the costs of your insurance.

• If you do have health insurance, you still have the option to shop for a new plan at Connect for Health Colorado.

The open enrollment period for 2014 coverage has closed. You will have to wait until the 2015 open enrollment period to see if you qualify for financial assistance through Connect for Health Colorado. The 2015 open enrollment period is November 15, 2014 to February 15, 2015.

You may also be able to qualify for financial assistance through Connect for Health Colorado if you have experienced a qualifying life event, such as losing your job-based coverage. Visit ConnnectforHealthCO.com for more information.

Do I qualify for Medicaid or Connect for Health Colorado?

Medicaid Federal Subsidy Through Connect for Health Colorado
Individual up to $1,250* $1,250 to $3,800*
Family of 2 up to $1,700* $1,700 to $5,150*
Family of 3 up to $2,150* $2,150 to $6,500*
Family of 4 up to $2,600* $2,600 to $7,800*
* You may still qualify if you make more.

What’s the next step?

If you are uninsured or looking for health coverage you have some options to apply:


PEAK LogoYou have multiple options to apply for Medicaid. You can apply online, over the phone, in person or by mail.

Health Insurance Marketplace

Connect for Health Colorado LogoColoradans can use the Connect for Health Colorado Marketplace to shop for private health insurance plans and find out if they qualify for financial assistance to lower their health care costs. The 2014 open enrollment period is closed, but you may be able buy insurance through Connect for Health Colorado if you have experienced a qualifying life event.

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