Colorado has 215,000+ ACA marketplace enrollees. Compare Colorado health insurance plans, estimate your subsidy, and understand your options. Free, unbiased, and takes 2 minutes.
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This search surfaces our written guides. It doesn't replace advice from a licensed insurance producer.
A licensed Colorado agent will review your options and help you compare ACA Marketplace plans at no cost to you.
Colorado residents enroll through Connect for Health Colorado (connectforhealthco.com), the state-run marketplace. Missing key deadlines can mean waiting months for coverage.
The ACA Marketplace opens for new enrollments and plan changes for the 2027 coverage year.
Enroll by December 15 to have your plan start on January 1, 2027. The most-used deadline.
The final day of Open Enrollment. Plans start February 1, 2027. After this, a qualifying life event is required.
Lost coverage? Changed jobs? Moved? Qualifying life events open a 60-day Special Enrollment Period any time of year.
Find out if you qualify for Advanced Premium Tax Credits (APTC) that lower your monthly premium in Colorado.
These are the primary insurance companies offering ACA Marketplace plans in Colorado. Availability varies by county and zip code.
Colorado's largest insurer offering Marketplace plans with broad statewide provider network coverage.
National carrier with Colorado Marketplace plans across the Front Range and select mountain communities.
An integrated health system offering HMO plans with its own network of doctors and hospitals in the Denver-Boulder area.
A Colorado-based plan serving the Western Slope and Front Range with a focus on regional provider networks.
Tech-forward health insurance with a modern app and virtual care options available in metro Denver.
A regional Colorado carrier offering affordable Marketplace options in select Front Range counties.
Answers to the most common questions about ACA health insurance in Colorado.
Yes. Colorado runs Connect for Health Colorado at connectforhealthco.com. This state-based marketplace is where you enroll in ACA health plans and apply for Premium Tax Credits. Colorado was one of the first states to establish its own exchange.
Yes. Colorado expanded Medicaid (called Health First Colorado) in 2013. Coloradans earning up to 138% of the Federal Poverty Level (about $22,025 for a single person in 2026) may qualify for Medicaid at little or no cost.
Premium Tax Credits are available to Coloradans earning between 138% and above the FPL. There is no strict upper income cap — anyone paying more than 8.5% of income on the benchmark Silver plan may qualify. Residents at 100–250% FPL may also qualify for cost-sharing reductions on Silver plans.
Yes. Colorado offers a state reinsurance program that has helped reduce benchmark Silver plan premiums by 15–25% compared to the national average. Colorado also has state-funded assistance for some low-income residents through Colorado Indigent Care Program (CICP).
Your deductible is the amount you pay for covered services before insurance starts paying. Your out-of-pocket maximum is the most you pay in a year — once you hit it, insurance covers 100% of covered costs. For 2026, the ACA out-of-pocket maximum is $9,200 for an individual and $18,400 for a family.
A Special Enrollment Period (SEP) lets you enroll in or change a Marketplace plan outside of Open Enrollment if you have a qualifying life event. Events include losing other health coverage, getting married, having a baby, moving to a new area, or turning 26. You typically have 60 days from the event to enroll.
At the federal level, the individual mandate penalty was reduced to $0 in 2019. Colorado does not have a state-level penalty either. However, going without insurance means paying 100% of all medical costs out of pocket — even a short hospital stay can cost tens of thousands of dollars without coverage.
ACA plan availability, carrier options, and costs vary by county. Select your county for local plan data, carrier listings, and subsidy estimates specific to where you live.
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64 Colorado counties have a dedicated page live today. More are added regularly.