To speak with a representative directly, call (855) 782-0922
The website includes plans from a number of insurance providers in the state, and each plan meets the minimum standards and protections set by the government. For example, each plan must cover ambulance services, hospitalization, emergency care, maternity, prescription drug benefits, mental health, and preventive services. In addition, all of the policies have out-of-pocket maximums under $7,000 and cannot cancel service or increase your costs if you have preexisting conditions, sudden diseases, or serious injuries.
How Does It Work?
Though it may sound like a complicated system, Connect for Health Colorado works like many other marketplaces on the Internet. After creating an account, you will have to include some basic information about yourself. This includes your age, where you live, the size of your household, and whether or not you smoke. Because plans cannot discriminate based on preexisting conditions, you do not have to provide your medical details.
After entering this information, you will be able to look at dozens of different plans. These plans are divided into four metal categories which are bronze, silver, gold, and platinum. Depending on how much you would like to pay for monthly premiums and how many out-of-pocket costs you want, you will be able to choose a metal class that’s most appropriate. Plans that have lower monthly costs will have higher costs for medical services, and plans with higher monthly costs will pay a larger portion of your medical services.
Financial Assistance for Health Insurance
As part of Obamacare, Connect for Health Colorado uses a number of mechanisms to help low income and middle class families afford high quality health care. When using the website, you can provide your income from last year and your expected income from this year. The website will be able to determine if you qualify for Medicaid or if you qualify for tax credits.
Medicaid is a free health insurance program for people who live near the poverty line. If you qualify, you will be able to enroll in this program. The federal tax credits are available for working class and middle class families and can reduce your monthly payments by hundreds of dollars. In order to qualify you must earn 400% of the federal poverty level or lower. For a single adult, this amount was about $45,000 in 2015.
Open Enrollment Period
Connect for Health Colorado allows residents to enroll during the open enrollment period which generally lasts from the fall through the winter. The 2015 enrollment ended on February 15th, but the 2016 enrollment will begin on November 1st, 2015. In most circumstances, you can only enroll during the open enrollment period, so it is very important that you begin looking at plans as soon as enrollment has begun.
There are a few exceptions to the open enrollment period. If you have recently lost your insurance due to it becoming too expensive or losing a job, or if your insurance needs to be changed due to a change in your household, you may enroll outside of the open enrollment period.
Applying for Connect for Health Colorado
If you are looking for insurance for yourself and your family in Colorado, you may want to view some of the insurance plans on Connect for Health Colorado. Connect for Health is the state health insurance marketplace that was created as part of Obamacare. Using Connect for Health, you can compare several different insurance plans at once to find one that’s best for you. In addition, by using the state marketplace, you may be able to access federal tax credits that can lower your monthly payments. Applying for health insurance on Connect for Health Colorado is not complicated, and if you’ve ever used an online shopping website, you should have no trouble completing the process…READ MORE or Click here – for a Free Health Quote.
Eligibility for Connect for Health Colorado
Many people are still unsure how to use the state health care exchange, Connect for Health, and others still don’t know if they qualify. Though the health care marketplace is part of a government program, there are very few eligibility requirements, and almost everyone qualifies for the health care plans. As long as you are a resident of Colorado and a citizen or legal resident of the United States, you likely qualify for the different plans that are available. Unlike other insurance plans in the past, the plans on Connect for Health do not take into account your preexisting conditions or health status. Whether you are pregnant or have serious health problems, that will not affect your ability to enroll or the premium you have to pay…READ MORE
Plan Options on Connect for Health Colorado
Shopping for health insurance can be extremely difficult and time-consuming. Not only are there are a large number of insurance plans out there, but each one has dozens of different details that make them difficult to compare. In addition to the size of monthly premiums, you also have to keep track of co-pays, coinsurance, deductibles, out-of-pocket maximums, coverage networks, and many other details. The state health insurance marketplace in Colorado, Connect for Health, was partly created to make shopping for insurance easier than before. Using the online marketplace, individuals and families can look at several different insurance plans at once from different insurance providers across the state. By comparing them side-by-side, you can find one that fits your needs in less time than it may have taken in the past. There are a number of different options for insurance on Connect for Health…READ MORE
The official ObamaCare enrollment period Ended on Feb 15, 2015. Important Notice: Its urgent, to avoid future fines and penalties, to sign up for health insurance under the Affordable Health Care Act.
Cons & Pros of Connect for Health
The passage of the Patient Protection and Affordable Care Act was a very controversial event in American politics. Even years later, there are many people and government officials who are concerned that the new health insurance marketplaces are doing more harm than good for the American people. There have only been two enrollment periods so far, and results continue to be mixed. Though millions of people have gotten access to affordable health insurance, there is a fear that the program will one day become too costly for the government. Since its beginning, several state exchanges have also struggled with management and technological problems. As one of these state exchanges, Connect for Health Colorado has its own advantages and disadvantages that affect its impact on state residents and taxpayers…READ MORE
Getting Financial Aid to Cover Health Costs
In 2014, Connect for Health Colorado provided approximately $190 million in savings through federal tax credits. These tax credits are advanced to consumers and directly applied to their monthly insurance bills, allowing them to save hundreds to thousands of dollars a year on health insurance. Most health insurance consumers in Colorado are eligible for these tax credits, so it’s important to understand how to get access to them. Using the Connect for Health website, you’ll be able to find out if you qualify and get these tax credits applied to your bill…READ MORE
Impact on Individuals, Families, and Students
Recently, there have been some controversies around the management of Connect for Health Colorado, and some in the state government intend to audit the organization more closely to see if money was spent inappropriately. Though these problems have raised some doubts about the program and its effectiveness, Connect for Health Colorado has actually been very effective in its primary goal: providing insurance to the state’s individuals, families, and students…READ MORE
Connect for Health Impact on Business
In the insurance market, one of the most disadvantaged groups after individual consumers is small businesses. In the past, small businesses simply didn’t have the buying power with insurance companies to get access to affordable insurance plans. Although larger companies could offer employees high quality insurance plans at low costs, small businesses had only three options: offer expensive or low quality insurance to employees, eat a large amount of the costs themselves, or offer no insurance at all.
Part of the reason why Obamacare was created was to help small businesses provide cheaper and better health insurance for their employees. By using the small business exchange on Connect for Health and other state marketplaces, it’s hoped that small businesses can finally provide the type of health insurance that larger companies can…READ MORE
Top 10 Facts About Connect for Health Colorado
Number one on the fact list, since its opening in the fall of 2013, over 300,000 people in Colorado have used Connect for Health to enroll in health insurance. This includes private health care plans, Medicaid, and CHP insurance. Number two, Connect for Health Colorado has helped reduce the state’s uninsured rate from 17% of residents to only 11%. This has been done in only two enrollment cycles. This drop is the country’s 5th largest decrease in the uninsured rate, as more and more people are getting access to the health care they want and need…READ MORE
Unique Aspects to Connect for Health
As one of 50 different insurance marketplaces in the country, Connect for Health Colorado has a few unique aspects and characteristics that reflect the specific needs of the residents of Colorado. If you are moving from another state to Colorado, it may be helpful to understand and be aware of these differences, as they may affect your experience purchasing insurance. Connect for Health Colorado is partly funded by the Special Fee Assessment. This is a tax on health policies that amounts to about $1.50 per policy per month. For people with only one health insurance policy, they will pay less than $20 annually to help support the marketplace…READ MORE
To go directly to the Colorado State site go to the following site http://connectforhealthco.com/coverage-basics/. You can also call the number below to speak to someone live, or Click here – for a Free Health Quote.
To speak with a representative directly, call (855) 782-0922
(Operators available 9am-9pm EST)
Comments & Questions:
Lewis – Co Spgs, CO
I heard that I can get $1,500 a year in credit towards my premiums?
Admin – Hello Lewis, the actual amount you will qualify for will depend on your family income and household members. According to the State’s official website, a typical Family in Colorado saved over $3,000 in insurance costs last year. The cutoff for Financial help is $46,500 for an individual, and up to $95,000 for a family of four.
Sam k. – Denver, CO
Is there anyway to avoid the penalty without buying health insurance?
Admin – You may be able to avoid the penalty if you qualify for a religious exemption, you are an undocumented immigrant, currently incarcerated, a member of a federally-recognized tribe, homeless, evicted in the past 6 months, or filed for bankruptcy last 6 months. However, even in these cases you will still need to fill in the appropriate documents. You can Click Here to find the correct form.
Tom – Evergreen, CO
I currently uninsured due to a medical condition, if I apply am I guaranteed to receive coverage?
Admin – Hello Tom, if you apply you will not be denied coverage, no matter your health injury or any other pre-existing conditions. The only way for them not to cover you is if you don’t submit your payment.
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