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Colorado-Specific Marketplace Information
Healthcare.gov Information
General Marketplace Information
Resources to Share With Consumers
In Region VIII (Colorado, Montana, North Dakota, South Dakota, Utah, and Wyoming), only Colorado is currently running its own State-Based Marketplace, called Connect for Health Colorado; the other states in the region are using the Federally-Facilitated Marketplace (FFM), which can be accessed at Healthcare.gov. There are also a few states in the country using a State Partnership Marketplace. The marketplaces are websites where people can shop for health insurance and choose the policy that best fits their needs. The marketplaces list only insurance policies that comply with the rules outlined in the ACA (they must cover pre-existing conditions, must spend 80% of premiums on actual health care rather than overhead, cannot have lifetime limits on coverage, and must provide free preventative care). People earning up to 400% of the federal poverty level (FPL) may qualify for a tax credit and cost-sharing reductions if they choose one of the silver plans (plans are offered in bronze, silver, gold, and platinum, based on the deductible and co-pay amounts).
COLORADO-SPECIFIC MARKETPLACE INFORMATION
Connect for Health Colorado
Find an enrollment assister in Colorado to help get the right health insurance coverage
Assisters
Website for Colorado’s health insurance marketplace
Connect for Health Colorado
Colorado Department of Health Care Policy and Financing
Webpage with resources for partners, consumers, brokers, and agents
For Our Stakeholders
HEALTHCARE.GOV INFORMATION
Website for the Federally Facilitated Marketplace (FFM) for residents of states that do not have their own marketplace
Healthcare.gov
CuidadoDeSalud.gov
FFM toll-free call center for clients: 1-800-318-2596
TTY (Teletype): 1-855-889-4325
Special Assister Line: 1-855-868-4678. Must have a Navigator/CAC ID to access this line: use your 8 digit ID number and then add 55
- Call center personnel can assist in English and Spanish. They also have access to translators for 150 other languages.
- Call center personnel can walk clients through the eligibility process for Medicaid and then can help clients compare health insurance plans.
- Call center personnel can refer clients to enrollment partners in the states if they prefer to enroll in-person.
- Call center personnel cannot accept any payment information over the phone. Clients need to contact the individual insurance companies to process payments.
- Call center personnel cannot create accounts for clients, though they can help with resetting passwords
Links to the applications for health coverage, eligibility appeals, and exemptions for FFM states
Application for Individuals and Families
Application for SHOP Employers
Eligibility Appeals Forms
Exemption Applications
Website to order marketplace paper applications for your organization- click ‘Request an Account’
Product Ordering Website
Centers for Medicare and Medicaid Services (CMS)
Various videos and images of the health insurance marketplace
Images & Multimedia
U.S. Department of Health and Human Services (HHS)
Marketplace applications in 15 different languages
Marketplace Consumer Application
GENERAL MARKETPLACE INFORMATION
Blue Cross Blue Shield
Guidelines on how to utilize benefits and make the most of health insurance (2020)
Understanding Health Insurance Coverage to Maximize Your Care
HealthCare.gov
This tool helps people find private health plans available outside the Health Insurance Marketplace
Plan Finder
Healthcare.gov Questions
Guide on why and how to report life changes to the marketplace
How do I Report Life Changes to the Marketplace?
Website with instructions on how to use new marketplace coverage
How to Use Your New Marketplace Coverage
Blog post on transitioning from Marketplace insurance onto Medicare for consumers turning 65
Turning 65 soon? How to transition from the Marketplace to Medicare coverage
Webpage with information on using health insurance, including making sure consumers are covered, getting prescription medications, and getting preventative and emergency care
Using Your New Insurance Coverage
Information on how different health insurance plans are structured
What Are the Different Types of Health Insurance?
Information on how to change health insurance plans
What if I Want to Change Plans after I Enroll?
Summary of which benefits each plan sold in marketplaces must include
What Marketplace Health Insurance Plans Cover
Information on finding and comparing providers and hospitals in a network
Where Can I Find Provider Information?
healthinsurance.org
Private Health Insurance
Information explaining private health insurance, where to buy private health insurance, and costs
Kaiser Family Foundation
Website that shows the number of people who have applied and enrolled for health insurance through the marketplaces in each state
State Marketplace Statistics
Interactive map with the status of the state marketplace decision and whether or not the state is expanding Medicaid
Status of State Medicaid Expansion Decisions
UnitedHealthcare
Understanding the basics of health insurance
Health Insurance 101
U.S. Department of Labor
Information about the Consolidated Omnibus Budget Reconciliation Act (COBRA) that provides a way for workers and their families to temporarily maintain employer-provided health insurance during situations such as job loss or a reduction in hours worked
COBRA Continuation Coverage
List of medical and insurance terms
Glossary of Health Coverage and Medical Terms
RESOURCES TO SHARE WITH CONSUMERS
Centers for Medicare and Medicaid Services (CMS)
Marketplace applications for individuals and families available in many different languages
Application forms for families and individuals
Website with links describing programs that help cover the cost of health care for different types of people in Colorado
Health Coverage Resources
Various images and multimedia on the federal marketplace
Multimedia on the Health Insurance Marketplace
Fact sheet on how consumers should protect themselves against fraud while applying through the marketplaces (2022)
Protect Yourself from Fraud
Basic things for clients to consider as they shop for health plans (2023)
Questions to Ask Yourself When Choosing a Plan
Description of what information CMS collects, why they collect it, and what they do with it
Website Privacy Policy
Colorado.gov
Website that contains information about Colorado’s health insurance marketplace and using health insurance
Colorado.gov/health
Connect for Health Colorado
This tool allows comparison of plans based on the estimated total healthcare costs for a year
Quick Cost & Plan Finder
Get Covered America
Tool that allows consumers to type in their zip code and find local enrollment assistance
Locator
Healthcare.gov
Website that answers many questions that people may have about the marketplace and enables them to make informed decisions before and during the enrollment process
Can I Appeal a Marketplace Decision?
Can I Keep My Child on My Insurance until Age 26?
Citizenship and Immigration Status Questions
Get Covered: A One-Page Guide to the Health Insurance Marketplace
Get Ready for the Marketplace
How do I Choose Marketplace Insurance?
How Do I Get an Exemption from the Fee for Not Having Health Coverage?
How Does the Healthcare Law Protect Me?
If I Applied for Coverage with a Paper Application or Over the Phone, What are My Next Steps?
Immigrant Document Types
Immigration Status Questions
What If I Have a Pre-Existing Health Condition?
What are My Preventative Care Benefits?
What Do Immigrant Families Need to Know About the Marketplace?
What If I Have a Marketplace Plan but I Will Be Eligible for Medicare Soon?
What If I Want to Change Marketplace Plans after I Enroll?
What If I’m Pregnant or Plan to Get Pregnant?
What If My Grandfathered Health Plan is Changed or Canceled?
How Do I Estimate My Expected Income when Applying for Marketplace Coverage?
Will I Qualify to Save on Monthly Premiums?
Site where you can enter a city or zip code and find resources for enrollment in that area
Find Local Help
Website to learn about how personal information is used in the marketplaces and what consumer rights are
How We Use Your Data
Health Reform: Beyond the Basics
Worksheet that will help individuals add up their current monthly income and estimate their annual income for the following year (2024)
Income Calculation Worksheet
Worksheet that is designed to help people compare the details of up to four different plans side-by-side (2023)
Marketplace Plan Comparison Worksheet
Internal Revenue Service
Website with many different fact sheets on the ACA and how it affects taxes
Health Care Tax Tips
Kaiser Family Foundation
Search frequently asked questions about the health insurance marketplace
Frequently Asked Questions
Take Care Utah
Utah’s program that helps people match with enrollment assistance based on location
Take Care Utah
U.S. Department of Health and Human Services (HHS)
A checklist to help consumers gather necessary information to apply for coverage (2024)
Marketplace Application Checklist
Value Penguin
Tool that allows users to compare marketplace health plans, premiums, subsidies, and benefits (2024)
Compare Health Insurance Quotes & Prices
Don't judge each day by the harvest you reap, but by the seeds you plant.Robert Louis Stevenson