Open Enrollment occurs November 1, 2018 through January 12, 2019. Enroll by December 15, 2018 to have insurance beginning January 1, 2019 (enrolling later results in insurance starting later as well).
Do you need health insurance before Open Enrollment starts? If you’ve lost your job-based insurance or moved to Colorado or have had a baby, or experienced other Qualifying Life Change, you may be able to shop and enroll during a Special Enrollment Period.
You may qualify for a health insurance plan with savings based on your income. Many people who apply qualify for premium tax credits that lower the monthly costs of coverage. Some also qualify for savings on deductibles, copayments, and other costs. With the Affordable Care Act, all plans cover the same Essential Health Benefits, all Pre-existing Conditions, and a wide range of Preventive Care Services.
Or you may be qualified for Medicaid or CHP+ (Children’s Health Plan Plus). These, and other public assistance programs, are for lower income individuals, families, children, pregnant women, persons with disabilities and the elderly. (You can apply for Medicaid or CHP+ at any time, as there is no Open Enrollment period for those programs). Colorado PEAK is an online service for Coloradans to screen and apply for medical, food, cash, and child care assistance programs. Check out Am I Eligible? to learn more.
You can find more information about applying for health insurance through the Marketplace on the Connect for Health Colorado website. There are assisters providing free, in-person assistance at locations around the state. To locate an Assister click Connect for Health Assister. Or you can call the Customer Service Center at 1-855-PLANS-4-YOU (855-752-6749; TTY 855-346-3432), or 303-590-9675 from outside the United States.