According to Colorado's Division of Insurance, the following changes to the Individual market are effective January 1, 2017:

  • Humana and UnitedHealthcare will no longer be offering Individual plans in Colorado in 2017.
  • Rocky Mountain Health Plans will be exiting the Individual market in all counties EXCEPT Mesa.

  • Anthem Blue Cross and Blue Shield is eliminating its Individual PPO and will be offering HMO only statewide.
  • Many of the remaining carriers are requesting significant rate increases for their individual products.
  • A new carrier, Bright Health Plans, will be offering Individual plans in Summit County and along the Front Range.

Click Here to read the announcement from DORA


  • Increase in annual amount limits on Cost Sharing from $6600 to $6850
  • All plans that aren't "grandfathered" must be ACA compliant
  • Tax Penalty increased to 2.5% max or $695 per adult.  Whichever is more.  $2085 per family


 Alternative to traditional coverage available all year long.  Ask us about it & avoid the tax penalty!



Events that allow NEW customers to SHOP for a health plan:

  • Marriage or civil union
  • Birth or adoption
  • Your employer-provided coverage is no longer available
  • Moving to Colorado from out of state
  • Employer-sponsored coverage becomes unaffordable (Affordable coverage means that an employer offers a health plan for employee-only coverage that does not exceed 9.5 percent of a worker’s W2 income; Costs for dependent coverage are not included in this calculation.)
  • You applied for coverage and financial assistance before April 15 and just received a Medicaid denial
  • You lost eligibility for the exemption to purchase health insurance coverage
  • Gain of Citizenship or Immigration status
  • Change in incarceration status
  • A customer demonstrates that their health plan has substantially violated a provision of its contract




  • Permanently moves to a new area that offers different health plan options
  • Apply within 30 days prior to plan renewal date
  • Involuntarily losing other health coverage (see next section)
  • Experienced an error in enrollment
  • Becomes newly eligible or ineligible for Advance Premium Tax Credits or has a change in eligibility for Cost-Sharing reductions
  • Returns from active military duty
  • Gains immigration status or citizenship
  • Released from incarceration


  • Discontinuation of a current plan that doesn’t meet health care reform requirements
  • Legal separation
  • Divorce
  • Termination of domestic partnership or civil union
  • Change in full-time employment status
  • Involuntary loss of employer-sponsored insurance
  • Death of a parent or spouse
  • Change in dependent status as a result of turning 26



  • Marriage
  • Domestic partnership
  • Birth of child/children
  • Adoption of child/children
  • Placement for adoption of child/children
  • Guardian/court-ordered dependent



Questions about health care reform?

How much could you save? 


Are you eligible for a subsidy?

 Click here



Child Health Plan Plus covers uninsured children in families with moderate incomes that are too high to qualify for Medicaid.

  • Routine check-ups
  • Immunizations
  • Doctor visits
  • Prescriptions
  • Dental and vision care
  • Inpatient and outpatient hospital care
  • Laboratory and X-ray services
  • Emergency services

For the future of CHP+

click here


The individual mandate provision of the recently passed health reform legislation

requires citizens to have insurance coverage that meets minimum standards

set as part of health insurance exchanges, including guaranteed access to 

affordable coverage (ACA)essential benefits and other consumer protections. 

The legislation imposes a tax penalty on individuals – with some exceptions – who do not purchase coverage