Remaining Non-ACA Health Insurance Plans to Phase Out in 2015

Colorado Department of Regulatory Agencies - Division of Insurance LogoDENVER – The Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA), announced that all remaining health insurance plans for individuals and for small employers that do not meet Affordable Care Act (ACA) requirements will not continue into 2016. This decision does not impact grandfathered plans, defined by the ACA as plans with an effective date prior to March 23, 2010.

This means that insurance companies will not continue offering these plans, and consumers will not be able to renew these plans. For 2016, individuals and small businesses that are not enrolled in grandfathered plans must enroll in ACA-compliant plans in order to receive healthcare coverage.

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Division of Insurance Determines Special Enrollment Period Not Required

Colorado Department of Regulatory Agencies - Division of Insurance LogoOn February 20, the federal government announced it would allow an enrollment period related to the tax penalty for consumers in states with health exchanges run by the federal government (healthcare.gov).

Since Colorado’s exchange, Connect for Health Colorado, is not run by the federal government, Colorado can make its own decision in this matter.  After careful review, the Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA), determined that it will not allow a special enrollment period for 2015 health insurance coverage for individuals who will have to pay a tax penalty for not having health insurance in 2014. This decision applies to people looking for insurance through Connect for Health Colorado, as well as those seeking health plans on the open market (off the exchange). It is import to remember individuals can apply for Medicaid or Child Health Plan Plus (CHP+) at any time.

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Missed your chance to enroll in health coverage?

Even if you missed the deadline for private health insurance, you may still be able to enroll.

Medicaid and Child Health Plan Plus (CHP+) are free or low cost health insurance programs for Question mark iconColoradans who qualify. Medicaid and CHP+ cover doctor’s visit, prescription drugs, trips to the emergency room, vaccinations, and other services to keep you healthy. You and your family can apply at any time for Medicaid and CHP+; there is no open enrollment period. The fastest way to apply is online at Colorado.gov/PEAK. To find out more about how to apply go to Colorado.gov/HCPF/Apply.

If want to buy private health insurance and qualify for financial assistance, please contact Connect for Health Colorado’s Customer Service Center at 1-855-752-6749.