Health Insurance Companies in Colorado: Plans, Carriers, and Coverage

Colorado has a unique health insurance landscape, with multiple carriers offering a range of plans to suit different needs and budgets.

There are four major health insurance carriers in Colorado: Anthem, Cigna, Rocky Mountain Health Plans, and UnitedHealthcare. These carriers offer a variety of plans, including HMOs, PPOs, and EPOs.

Anthem, for instance, offers a range of plans on the Connect for Health Colorado marketplace, including bronze, silver, gold, and platinum plans. These plans vary in terms of premium cost and out-of-pocket expenses.

In Colorado, health insurance plans often have a network of participating providers, which can affect the cost and accessibility of care.

Six insurers will offer 2025 coverage in Colorado's health insurance Marketplace, with coverage areas that vary by insurer.

The same six insurers that offered coverage for 2024 are offering coverage for 2025.

SelectHealth joined the health insurance exchange in Colorado for 2024, with plans available mostly along the Front Range.

Their expansion into Colorado was due to a merger between Intermountain Health and Colorado-based UCHealth, making SelectHealth a new player in the Colorado market.

Friday Health Plans offered coverage in early 2023, but stopped accepting new enrollees in May and all FHP policies in Colorado terminated on August 31, 2023.

Bronze plans are a good fit for individuals or couples who have few doctor visits and only need coverage for medical emergencies, with low monthly payments and a higher deductible.

These plans are ideal for those who don't plan on seeing a doctor often, with premium costs labeled as $.

Silver plans, on the other hand, have average monthly payments but a lower deductible than Bronze plans, making them suitable for individuals and smaller families with average healthcare needs.

They also offer cost-sharing reductions for those who qualify, and premium tax credits and cost sharing reductions are available for subsidy eligibility.

Gold plans have higher monthly payments but an even lower deductible than Silver plans, covering most routine healthcare costs for individuals or families with regular, ongoing healthcare needs.

Choosing the Right Plan can be a daunting task, but it's essential to ensure you have the necessary coverage. You need to assess the level of coverage you require, whether it's comprehensive coverage for everything from routine doctor's visits to hospital stays, or basic coverage for doctor's visits and prescriptions.

Bronze plans are ideal for individuals or couples who have few doctor visits and only need or want coverage for medical emergencies. They feature low monthly payments with a higher deductible.

Silver plans, on the other hand, have average monthly payments but a lower deductible than Bronze plans. They're suitable for individuals and smaller families with average healthcare needs and offer cost-sharing reductions for those who qualify.

Gold plans have higher monthly payments but an even lower deductible than Silver plans. They're best for individuals or families with regular, ongoing healthcare needs, covering most routine healthcare costs.

To help you decide, here's a quick comparison of plan levels and features:

Remember, it's essential to carefully compare plans from different insurers to secure the best value for your money before making a decision.

In Colorado, short-term health plans offer temporary health insurance for consumers who may find themselves without comprehensive coverage. These plans provide a stopgap solution for individuals who need medical coverage between jobs or during a transition period.

Short-term plans are designed to be temporary, lasting from a few months to up to a year. This makes them a good option for people who only need coverage for a short period of time.

In Colorado, you'll find six insurers offering coverage in the health insurance Marketplace for 2025. They're the same six insurers that offered coverage for 2024.

SelectHealth joined the health insurance exchange in Colorado for 2024, bringing plans mostly along the Front Range. This expansion was made possible by a merger between Intermountain Health and Colorado-based UCHealth.

UnitedHealthcare is a popular health insurance option in Colorado, offering a variety of health insurance plans, including HMO, PPO, and POS plans.

UnitedCare offers a variety of health insurance plans, including HMO, PPO, and POS plans.

UnitedCare has a large network of doctors and hospitals in Colorado, making it a great option for those looking for quality care.

UnitedCare is also a leader in innovation, offering online and mobile tools that make it easy for members to manage their healthcare.

Here are some key features of UnitedCare's plans:

UnitedCare's commitment to quality care and innovation makes it a strong option for those looking for a reliable health insurance provider.

Kaiser Permanente is a top health insurance provider in Colorado, with a large network of doctors and hospitals in the state. It's committed to providing quality care to its customers.

Kaiser Permanente is also a leader in innovation, offering a variety of online and mobile tools that make it easy for members to manage their health care. This includes tools that allow members to access their medical records, communicate with their doctors, and even schedule appointments online.

Kaiser Permanente's focus on innovation has made it a popular choice among Coloradans looking for a health insurance provider that's ahead of the curve.

Getting a quote for health insurance is a straightforward process. Our experts are standing by to help you choose a plan that's right for you.

To get started, you can get a Colorado health insurance quote that works for you and your family.

Insurance coverage is a vital aspect of health insurance in Colorado. Six insurers will offer 2025 coverage in the state's health insurance Marketplace, with coverage areas that vary by insurer.

You can expect to pay a deductible before your plan starts to pay for covered services, which does not include costs for preventive services, such as annual physicals and preventive care visits, that are covered regardless of the deductible. The deductible is the amount you pay each year before your plan starts to pay for covered services.

Some commonly-prescribed drugs are available starting as low as $0, and you'll pay a certain amount for medications, depending on the coverage tier or class of drug. This includes some commonly-used prescription drugs that are available at no cost to you, such as vaccines and certain medications.

Coinsurance is the percentage you pay for covered healthcare services after you reach your deductible, which can vary depending on the provider and services you receive. This means that for some services, you'll pay a percentage of the allowed amount, such as 20% of $100.

If you're looking to improve your smile, dental insurance might be a smart addition to your health coverage. You can find dental coverage options in Colorado that fit your needs.

Colorado Health Insurance Brokers offers dental coverage options to support their clients' needs. They can help you find coverage for a dentist in your preferred network.

If you don't have a dentist, Colorado Health Insurance Brokers can walk you through some of the available options in your area. This way, you can choose a dentist that suits your needs.

Your dental insurance plan may cover most of the costs, leaving you with a lower out-of-pocket expense.

You can get preventive care at no cost to you when you see a doctor in your plan's network. This includes checkups, screenings, and vaccines.

Some commonly-used prescription drugs are available at no cost to you. You'll need to contact your insurance provider for more information.

Preventive care is a key part of staying healthy, and it's great that you can get it without breaking the bank.

Silver plans offer average monthly payments and a lower deductible than Bronze plans, making them ideal for individuals and smaller families with average healthcare needs. These plans also offer cost-sharing reductions for those who qualify.

Gold plans, on the other hand, have higher monthly payments but an even lower deductible than Silver plans, making them best for individuals or families with regular, ongoing healthcare needs. They cover most routine healthcare costs.

Here's a breakdown of the different plan levels and their features:

The premium is a crucial aspect of health insurance plans. It's the amount you pay to your health insurance company each month for your health plan.

Your employer may share the cost of your premium if you have health coverage through your place of work. This can significantly reduce the amount you need to pay.

The premium cost varies depending on the plan level. Bronze plans have low monthly payments, while Gold plans have higher monthly payments.

Here's a summary of the premium costs for different plan levels:

The average approved premium increase for 2025 in Colorado is 5.6%. This is slightly higher than the average increase of 5.53% that the state's insurers had initially proposed.

As an Anthem member, you'll have access to a range of health plans designed to fit different budgets and healthcare needs.

Anthem's integrated approach can help improve your health and lower costs.

Our health plans are designed to make managing your benefits easier than ever.

By joining Anthem, you can enjoy peace of mind knowing you have a comprehensive health plan in place.

You can reach out to Anthem Blue Cross Blue Shield's customer service at (855) 453-7031 for any questions or concerns.

Cigna Healthcare offers 24/7/365 customer service, allowing you to call any time for help with using your plan or navigating your benefits.

If you have a health question, you can speak to a licensed clinician at Cigna Healthcare 24 hours a day.

Here are some customer service phone numbers for popular health insurance companies in Colorado:

Broker services play a crucial role in providing top-notch customer service. By offering a range of services, brokers can cater to diverse customer needs and preferences.

A key service offered by brokers is account management, which involves handling customer inquiries, resolving issues, and providing personalized support.

Effective communication is essential in account management, as it helps build trust and rapport with customers. In fact, 80% of customers consider responsiveness to be a crucial factor in determining their loyalty to a company.

Brokers can also provide valuable insights and recommendations to customers, helping them make informed decisions about their investments. By doing so, brokers can establish themselves as trusted advisors and thought leaders in their industry.

In addition to account management and advisory services, brokers can also offer research and analysis to customers. This can include providing market updates, economic forecasts, and other relevant information to help customers navigate complex markets.

You can talk to a board-certified doctor from the comfort of your home or on-the-go using the Sydney Health app, available 24/7.

The Sydney Health app allows doctors to give you expert medical advice, diagnose common health issues, and send prescriptions right to your pharmacy.

Many plans offer virtual care visits using the Sydney Health app at no cost to you, making it a convenient and affordable option.

Language assistance services are also available, free of charge, if you speak any language other than English.

Having reliable customer service is crucial, especially when it comes to health insurance. You can call Anthem Blue Cross Blue Shield at (855) 453-7031 for customer service.

Cigna Healthcare offers 24/7/365 customer service, which means you can reach them at any time for help with your plan or benefits. They're there to assist you.

Some insurance companies also offer virtual care services. With Sydney Health, you can talk to a board-certified doctor 24/7 and get expert medical advice.

If you need to contact your insurance company for customer service, here are some phone numbers to keep handy:

Colorado has a unique approach to health insurance, with several options available to residents. You can enroll in an ACA-compliant plan through the exchange, OmniSalud, or directly from insurers.

To enroll in a Colorado Marketplace plan, you can visit Connect for Health Colorado or work with an insurance broker or certified enrollment assister. The online platform allows you to compare available plans, determine eligibility for financial assistance, and enroll in coverage.

Six insurers will offer 2025 coverage in Colorado's health insurance Marketplace, with coverage areas varying by insurer. These insurers include SelectHealth, which joined the exchange in 2024, and Friday Health Plans, which stopped accepting new enrollees in May 2023.

Here are the key enrollment periods for Colorado's health insurance Marketplace:

You can shop and compare on-exchange and off-exchange health insurance plans directly on Anthem's site.

On-exchange plans are also available on healthcare.gov or a state-based exchange, sometimes referred to as the Marketplace.

Financial help, or subsidies to lower the cost of coverage, are only available when you enroll in an on-exchange health plan.

Off-exchange plans cover the same essential health benefits as on-exchange plans but are available outside of the exchange or marketplace.

Our Health Plan Consultants can help you determine if you are eligible for financial help and find the best plan for your needs and budget.

You can enroll in an ACA-compliant plan in Colorado during the annual open enrollment period, which begins on November 1 and continues through January 15.

Colorado's open enrollment period is a great opportunity to select a health plan for the coming year. This enrollment window is applicable for plans obtained through the exchange, OmniSalud, and directly from insurers.

If you enroll between December 16 and January 15, your new coverage will take effect on February 1. For coverage to take effect on January 1, your application needs to be completed by December 15.

You may also be eligible to enroll or make a plan change if you experience a qualifying life event, such as giving birth or losing other health coverage. Colorado considers pregnancy to be a qualifying event, allowing uninsured pregnant women to enroll in health coverage without having to wait until the baby is born.

Here are the key dates to keep in mind:

Enrollment in Health First Colorado (Medicaid) and Child Health Plan Plus (CHP+) is available year-round, so you don't have to wait for the annual open enrollment period to enroll in these programs.

The Affordable Care Act (ACA) helps ensure that all Americans have access to affordable health insurance. It offers financial help, or a health insurance subsidy, based on your income, to help reduce your healthcare costs.

You can get affordable, quality care with virtual urgent care from $0, $0 preventive care visits, and $0-$3 for preferred generic prescription drugs on most plans.

Six insurers will offer 2025 coverage in Colorado's health insurance Marketplace, with coverage areas that vary by insurer. They are the same six insurers that offered coverage for 2024.

To find a plan that fits your budget, look for plans that offer $0 virtual care, 24/7, $0 preventive care, and prescription drug coverage, with some commonly-used drugs as low as $0.

Here's a breakdown of the different plan levels and features:

Silver plans have average monthly payments but a lower deductible than a Bronze plan, making them a great option for those with average healthcare needs.

Colorado residents can take advantage of online resources to find the best health insurance plans for their needs.

The Colorado Health Insurance Marketplace, also known as Connect for Health Colorado, is a great place to start. It offers a range of health insurance plans from top providers.

Colorado residents can also contact the Colorado Division of Insurance, which is responsible for regulating health insurance companies in the state.

This division can provide information on health insurance policies, including coverage details and pricing.