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Colorado is amongst 12 states including DC that run their own state-run exchanges as well as enrollment platforms. Colorado’s state-run exchange is “Connect for Health Colorado.” Colorado’s average approved rate increase for 2018 is 26.7%. While some carriers had exited in 2019, “Connect for health Colorado” remains one of the most robust exchanges among the states with 7 carriers that are offering health insurance plans.
In most cases their insurance coverage areas are localized with 14 out of 64 counties in Colorado have only one carrier (anthem BCBS) which offers plans for 2017. The Colorado Division of insurance announced June 22nd that OEP (Open Enrollment Period) for 2018 will begin Nov 1st, 2017 and then end on Jan 12th, 2018 for on and off exchange plans which is shorter than the previous year yet longer than most states open enrollments for 2018 coverage.
Many avenues are included for the landscape of health insurance in Colorado in which individuals and families can buy health plans. Residents who have no access to an employer sponsored coverage may shop for health care plans through the federal marketplace exchange or private marketplace. Other that qualify can apply for a public health plan like Medicaid and CHIP.
Colorado chose to establish its own state exchange after the (ACA) Affordable Care Act came into effect requiring many if not most Americans to purchase health insurance coverage. Residents can apply for income based financial assistance when enrolling in ACA compliant health plans that are sold in the exchange which can help lower the monthly premiums for health insurance as well as out of pocket expenses required with many health services.
Income based, subsidies and premium tax credits are only available through marketplace plans. SHOP (Small business Health Options Program) provides employers who have 50 or less full-time employees a way to offer employees health care benefits which will meet health insurance Federal standards.
Colorado is among some of the many states that have expanded Medicaid to both single and low income adults from the time Obamacare had taken effect.
This provides low cost health insurance for all kids that are eligible for Colorado’s Children’s health Insurance Program, CHIP.