Colorado Connect for Health


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  • Get a Free No Obligation Health Quote In 7 Minutes
  • Plans That Fit Your Budget $19 to $99 per Month
  • Learn About Alternative Health Plans
  • Learn How to Avoid the Tax Penalty

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Last updated: 18th June 2018. The Obamacare health exchange in Colorado is called Connect for Health. The Open enrollment for Colorado’s Connect for Health began on Nov 1, 2015, and will be available through Jan 31st, 2016. Not getting coverage may mean you suffer a tax penalty. To get a free health insurance quote Click Here. If you miss the deadline you may still be able to apply if meet certain qualifications.

Connect for Health Plans & Networks – Selecting health insurance is not “one size fits all.” You want to make sure that you have the coverage that is best for you and your family, so there are a number of things that you’ll need to consider. Connect for Health Colorado is dedicated to providing affordable health insurance for Coloradans, and their website offers much information for insurance consumers. Before you visit the site, though, think about what’s important to you.

Connect for Health Coverage Levels

Health plans under Connect for Health Colorado are arranged in what is known as “metal levels” – bronze, silver, gold and platinum. The levels represent how much the insurance provider will cover, and how much the customer will have to absorb. Bronze plans have the lowest premiums, but you’ll have to pay more when receiving care. Conversely, platinum plans have the highest premiums, but you’ll pay considerably less when you get care.

With a bronze plan, you pay 40% and the insurance company pays 60%. With silver, you pay 30% and the insurance company pays 70%. A gold plan requires the patient to pay 20%, while the insurance company covers 80%. And finally, with the platinum plan, the patient pays 10% and the insurer pays 90%. To learn more about Coverage and Providers click here.

Getting Coverage on Connect for Health

It is easy to get health insurance coverage through Connect for Health Colorado. You’ll be able to browse plans that are available in your area, find out if you qualify for a tax credit, and even get expert help from a Certified Application Counselor at no cost. Then, you create an account and apply.

Payment

Payments are made directly to your insurance provider, not to Connect for Health Colorado. Your deadline for choosing your coverage for 2016 is December 15, 2015, and it is important that you don’t miss that deadline if you want your health insurance to take effect on January 1, 2016. The deadline for paying your insurance company for your coverage is December 25, 2015.

Renewal

If your health insurance plan for 2016 is the same as your 2015 plan, and there haven’t been any changes in your income or the size of your household, renewing is easy – it happens automatically. Connect for Health Colorado will simply let you know that you’re being renewed, and all you’ll have to do is pay your first monthly premium on or before December 25, 2015 to ensure that you’re covered as of January 1, 2016.

Keep in mind, though, that insurance companies will occasionally make minor adjustments to plans in terms of both costs and benefits, so before your auto-renewal happens, you should get in touch with your insurance provider to find out if this could be the case. It’s also wise to find out if there is anything new that might be to your advantage.

You can compare plans, prices and benefits at http://connectforhealthco.com/.

You might want to consider re-enrolling instead of automatically renewing if there have been any substantial changes in your household – for example, if you have gotten married or divorced, or had a child, or if you address has changed. It’s important that Connect for Health Colorado is aware of any changes so that they have the most up-to-date information in order to make sure that you have the best plan and the best possible financial assistance to offset the cost of your health insurance.

Shopping for a New Plan

If your insurance company is not offering a plan that is the same as, or similar to, your previous plan, or if you just want to change plans, browse the Connect for Health Colorado website to investigate new plans. You can find out which ones include the doctors and hospitals you prefer, and even find out if the medications you need are covered.

Remember, if your income has changed, you should obtain a new tax credit estimate before you select a new plan. You can do that on the website as well, using the convenient Tax Credit Estimator.

Enrollment Period

The enrollment period for 2016 runs from November 1 to January 31. If you are an American Indian or Alaska Native, you will qualify for special enrollment, which means that you can enroll at any time throughout the year. If you have had a significant life change like marriage, divorce, death of someone who is insured under your health care plan, etc., you may also be eligible for special enrollment. Visit http://connectforhealthco.com/ to learn more about enrollment and special enrollment.

Connect for Health for Young Adults

If you are a young adult in the State of Colorado, by which we mean that you are a Coloradan under the age of 26, you may be eligible for financial assistance that can help you to lower your health insurance costs.

Health Insurance? What Health Insurance?

Okay, stop right there, you young whippersnapper. The law says that you have to have health insurance. If you don’t have it, when you file your income tax return in April of 2016, the IRS is going to slap you with a penalty for not having coverage. And worse than that, if you get sick or hurt, you’re going to have to pay the entire cost of treatment yourself. Even something as simple as a broken bone can cost thousands of dollars to treat, so if you think you can get by without health insurance, think again.

What Penalty?

What penalty? Well, at least $695. Maybe more, depending on your income.

But I’m Just a Kid!

Okay, fine. You’re a kid. A kid who is pushing 26. But you’re also a kid who has to have health insurance according to the law. If you’re under 26, you might be covered under your parents’ insurance, but if you’re not covered, you can still be insured and it won’t cost you all that much. Colorado has what’s known as CYA (Colorado Young Adult) plans, and they’re designed for people in your age group who are generally in good health.

The deductible is fairly high. That’s because you’re “just a kid,” and you probably aren’t going to require any kind of extensive or long-term health care. The premiums are correspondingly low. The whole idea is to protect you against emergencies that could end up costing you a lot.

Um… Okay… What Am I Covered For?

Under the CYA plan, you’re entitled to three doctor visits during the year. That’s even before you eat into your deductible. Certain preventative services (like flu shots and other vaccinations) are free.

But… I’m Kind of Sickly…

No problem. You can still be covered under traditional plans. These plans are arranged by what’s known as “metal levels,” and they provide a lot more coverage. You can learn more about these plans by visiting http://connectforhealthco.com/, but just to give you an idea, the bronze plan has a very low premium, but also a correspondingly low level of benefits. The Platinum plan has a high premium, but covers just about everything. And in between are your silver and gold plans.

Guess I Should Enroll…

Getting started is easy. Go to the Connect for Colorado website. Then take a look at the CYA plan. If you don’t think it’s going to work for you, look at other plans. Once you’ve determined the level of coverage you need, take a look at the list of insurance providers and pick a plan. If you have a doctor you really like, make sure that he or she is listed with your plan, and then fill out your application. You can do it all online.

Important Dates

Open enrollment began on November 1st, but you can still enroll up to January 31st. You have to select your coverage by December 15th, though, and pay your insurance company the first month’s premium by December 25th. If you haven’t gotten insurance by January 31st, that’s the point where you end up being assessed an IRS penalty. So sign up today.

Connect for Health Financial Assistance

In the State of Colorado, you are required by law to carry health insurance. Of course, compliance with the law is only one reason to have insurance. Additionally, it gives you the peace of mind that comes with knowing that if you, or members of your family, need health care, you can obtain it without incurring horrendous out-of-pocket expenses.

Connect for Health Colorado is a marketplace that assists individuals and families as well as small businesses with applying for affordable health insurance, and obtaining the financial assistance necessary to reduce insurance costs.

Lowering Your Costs

Connect for Health Colorado is the only place where you can apply for cost-sharing reductions and APTCs (advance premium tax credits) that will help you to pay your insurance coverage. Last year alone, Connect for Health Colorado clients received, on average, $230 per month in cost-sharing reductions and tax incentives that helped them reduce the costs of their monthly premiums. If you are an individual who makes less than $46,680, a member of a family of two with a combined income of under $62,920, a member of a family of three with a combined income of under $79,160, or a member of a family of four with a combined income of under $95,400, then you could qualify for tax credits that will dramatically lower what you pay in health insurance premiums.

Flexibility

One of the best advantages to the tax credits is that you can decide how you’re going to use them. You can decide how much you’re going to use in any given month. The tax credit is given to your insurance company monthly, and you just pay the difference between the tax credit and the amount of your premium. Alternatively, you could choose to take no credits monthly, and then claim the entire amount on your income tax return when you file at the end of the year.

Your Obligations

In order to obtain coverage through Connect for Health Colorado, you will have to fill out a form, which is available on their website. You will have to provide information concerning yourself and all members of your family, including your combined household level of income.

If anything changes during the year, you will have to notify Connect for Health Colorado. Changes could include moving to another county, getting married, getting divorced, having a child, a death, or adding members to your household. In short, if you consider something to be a significant event in your life, chances are good that Connect for Health Colorado will too, and that could affect not only your benefits, but also the tax credit for which you are eligible. In fact, some changes could make you ineligible for the tax credit, and if that’s the case, you could be required to pay back any tax credits you have received.

Special Circumstances

If you are an American Indian or Alaska Native, you may qualify for additional assistance through Connect for Health Colorado. To find more information about the benefits and privileges available to you, visit the Connect for Health Colorado website at http://connectforhealthco.com/, or refer to our article, “Native Americans and Connect for Health Colorado.”

Connect for Health Tax Information

Connect for Health Tax Implications
Connect for Health Tax Implications

Under the law, all residents of the United States, and all legal residents have to carry health insurance. If they don’t, they can be subject to a tax penalty imposed by the IRS. This means that if you didn’t have insurance coverage in 2015, you will be subject to a penalty when you file your income tax return in 2016. It also means that if you don’t have health insurance in place for 2016, you would be well advised to obtain it. Health insurance can include coverage that you get on our own or coverage that you get through your job. It can also include Medicare or Medicaid.

The Penalty

The tax penalty for not having health insurance is 2% of your household’s annual income, or $325 per person in your household ($162.50 if the person is a child under the age of 18), whichever is higher. The maximum penalty per household is $975. You have until January of 2016 to obtain your health insurance coverage for that year.

Obtaining Coverage

Connect for Health Colorado can help you to obtain affordable health insurance so that you can:

  • Avoid having to pay a penalty to the IRS at the end of the year.
  • Save on your insurance.
  • Enjoy the peace of mind you’ll have by knowing that if you or your family needs health care, you’re covered.

Keep in mind that unless you qualify for an exemption, you do have to have insurance coverage.

Exemptions

Certain people qualify for exemptions from the legal requirement to have health insurance. These include:

Individuals in the following situations can get an exemption from the law:

  • Undocumented immigrants.
  • Anyone who is in jail.
  • Members of certain religions.
  • Native Americans and members of tribes that are federally recognized.
  • Anyone who has either been evicted within the previous six months, is acing foreclosure, or is homeless.
  • People in bankruptcy.
  • People who have incurred medical expenses within the past two years that they couldn’t cover.
  • Victims of natural disasters that resulted in significant property damage.

If you feel that you qualify for an exemption, you can visit http://connectforhealthco.com/ to find the appropriate forms that will allow you to apply for an exemption.

Form 1095-A

If you are receiving health insurance under the auspices of Connect for Health Colorado, you can expect to receive a Form 1095-A in early February of 2016. This for is designed to help you complete your income tax, and it contains information about what you paid for your health insurance, as well as any tax credits you may have received. You will get this form whether or not you received a tax credit. However, keep in mind that 75% of Connect for Health Colorado clients received tax credits last year, so it’s likely that this form is relevant to you.

If you have set up a Connect for Health Colorado account at the website, you can also go to your “My Documents” section, where you can download and print a copy of your Form 1095-A.

If you get more than one Form 1095-A, don’t be alarmed. It could be that you or someone else in your household switched plans, or that you enrolled in both a health and dental plan. The main thing is to make sure that the information on the form matches your records. Check the start and end dates of coverage, as well as the number of people that you have in your household, and if you feel that the information is inaccurate, call 1-855-752-6749 to request an amended form.

Connect for Health Colorado cannot provide you with advice regarding your income tax return. If you need help with your return, get in touch with the IRS.

Connect for Health and Native Americans

If you are an American Indian or Alaska Native living in the State of Colorado, you are entitled to certain benefits and protections under the auspices of Connect for Health Colorado. Even if you have a pre-existing condition or you are covered under CHP+ (Child Health Plan Pus) or Medicaid, you can still sign up for health insurance that carries comprehensive benefits. You can also continue to benefit from services from Indian Health Service, urban Indian or tribal health programs.

Additionally, you are not required to register during the open enrollment period. You can enroll in Connect for Health Colorado health insurance all year, and you may also be eligible for financial assistance that is based on your income along with other factors.

Financial Assistance

Under Connect for Health Colorado, tax credits are available that can reduce the cost of insurance premiums for individuals and families that fall within certain income categories.

You qualify for an APTC (advance premium tax credit) if:

  • You are an individual who earns between $15,660 and $47,080 annually.
  • Your family of two has a combined income of between $21,190 and $63,720 annually.
  • Your family of three earns a combined income of between $26,720 and $80,360 annually.
  • Your family of four earns between $32,260 and $97,000 annually.

You will qualify for health insurance plans that have no deductibles, co-pays, or out-of-pocket costs other than the monthly premiums if:

  • You are an individual who earns between $15,660 and $35,310 annually.
  • Your family of two has a combined income of between $21,190 and $47,790 annually.
  • Your family of three has a combined income of between $26,720 and $60,270 annually.
  • Your family of four has a combined income of between $32,260 and $72,750 annually.

Note, however, that only those members of your household who are American Indians or Alaska natives will qualify for zero out-of-pocket costs. But there are cost-sharing benefits if members of recognized tribes receive services directly from HIS.

Medicaid and CHP+

In 2013, Colorado passed a law allowing significantly more people to qualify for Medicaid. This includes:

  • Individuals earning no more than $15,500 annually
  • Families of two earning no more than $21,000 annually
  • Families of three earning no more than $26,000 annually
  • Families of four earning no more than $31,500

If you are Medicaid or CHP+ eligible, and you are also eligible for Contract Health Services Referral or services under an urban Indian organization or IHS, you will not have to pay deductibles, co-insurance or co-payments. And as to your income, anything that is derived from items of traditional or cultural significance, or from Indian lands, does not count toward your total income.

Exemptions

Under the law, most people are required to carry health insurance, and if they fail in this obligation, they can be fined by the IRS. However, if you belong to a federally recognized tribe, or qualify for services under IHS, you will not have to pay a fine. You will, however, have to provide the IRS with information proving that you are exempt, which could mean submitting a form showing that you are exempt, or claiming the hardship exemption when you file your tax return.

Help With Getting Coverage

Denver Indian Health & Family Services assists Native Americans living in the Denver area. Connect for Health Colorado can assist Ute Mountain and Southern Ute Mountain tribes and their families in finding health insurance.

Small Business Enrollment

You know, as an employer, that the benefits you’re able to offer your employees are an important, tangible incentive when it comes to helping you to find and keep the best people. You also know that healthy employees are always more productive. Therefore, it just makes sense that a good health insurance plan will work to benefit both you and your employees.

If you’re looking for an affordable health care plan for your employees, Connect for Health Colorado can help you to find a plan that you can reasonably afford. Quite simply, it makes getting group health insurance much easier.

The Advantages

With Connect for Health Colorado, you have any number of ways of making it easier to provide health insurance coverage for your employees. You can easily enroll simply by going to the website and clicking the option for small business. You’ll get an easy-to-use form that you can fill out, on which you’ll provide information about your company and your employees. Then you just select a plan and enroll!

Small Business Participation Requirements and Tax Credits

As a small business owner, you know how hard it is to attract and keep good employees. Even when the job market is in a slump, and there can be literally hundreds, or even thousands, of workers for every position that’s advertised, it’s not easy finding just the right person for the job. And when you do find him or her, you want to do everything you can to make sure they stay happy, and stay with you.

One of the best ways to do that, of course, is to provide a good benefit package. Often, employees will even accept a job at a reduced wage if the medical benefits are better than what they could get elsewhere.

Affordable Benefits for Your Employees

Having said all that, of course, we know that often small businesses are operating on a shoestring. Best case scenario sometimes, at least in the early stages, is that the business owner only draws half a salary, and may even end up plowing a good portion of what he or she does draw back into the business. So how in the world do you afford health insurance coverage for yourself and our employees?

Connect for Health Colorado Enrollment for Small Business

You know, as an employer, that the benefits you’re able to offer your employees are an important, tangible incentive when it comes to helping you to find and keep the best people. You also know that healthy employees are always more productive. Therefore, it just makes sense that a good health insurance plan will work to benefit both you and your employees.

If you’re looking for an affordable health care plan for your employees, Connect for Health Colorado can help you to find a plan that you can reasonably afford. Quite simply, it makes getting group health insurance much easier.

The Advantages

With Connect for Health Colorado, you have any number of ways of making it easier to provide health insurance coverage for your employees. You can easily enroll simply by going to the website and clicking the option for small business. You’ll get an easy-to-use form that you can fill out, on which you’ll provide information about your company and your employees. Then you just select a plan and enroll!

The advantages include:

  • An easy way of comparing various plans, premiums and benefits side-by-side.
  • Multiple plan and carrier choices.
  • Flexibility when it comes to how much you and your employees will contribute.
  • Year-round enrollment – as a business owner, you don’t have to wait for the
  • usual open enrollment periods; you can enroll at any time.
  • It’s fast and easy.
  • Tax Credits

You can reduce your costs by taking advantage of federal tax credits for small businesses and non-profits. These credits can actually be as much as 50% of your premium costs if you’re a small business operator, and 35% of premium costs if you’re running a non-profit.

Qualifying

In order to qualify, you have to agree to cover at least half of the cost of single coverage for your employees. You can have no more than 25 people working full-time, or no more than 50 working part-time. Average annual wages for your employees have to be under $50,000, but your wages and the wages of any family members that you employ are exempt from this requirement.

Plans and Providers

Most of the time, employees choose plans that reduce the premiums they’ll have to pay. That also reduces the premiums that the employer pays. You and your employees can choose from over a hundred plans, and up to five insurance providers. This level of choice is available only through Connect for Health Colorado.

Assistance

We know that choosing insurance isn’t the most intuitive process, and that’s why Connect for Health Colorado offers you access to experts who can assist you with completing your application. Best of all, they do it for free. You can get help from a broker simply by visiting http://connectforhealthco.com/ and following the links to their partner websites.

There are also enrollment centers in your area, and again, you can find access to those centers by visiting http://connectforhealthco.com/. This service is also free and available at various times throughout any given week. You don’t need an appointment, but if your schedule isn’t overly flexible, you can arrange for an appointment that will suit your needs. Once you’ve enrolled, online support is available from Connect for Health Colorado via their website. They even offer live chat.

Small Business Participation Requirements and Tax Credits

As a small business owner, you know how hard it is to attract and keep good employees. Even when the job market is in a slump, and there can be literally hundreds, or even thousands, of workers for every position that’s advertised, it’s not easy finding just the right person for the job. And when you do find him or her, you want to do everything you can to make sure they stay happy, and stay with you.

One of the best ways to do that, of course, is to provide a good benefit package. Often, employees will even accept a job at a reduced wage if the medical benefits are better than what they could get elsewhere.

Affordable Benefits for Your Employees

Having said all that, of course, we know that often small businesses are operating on a shoestring. Best case scenario sometimes, at least in the early stages, is that the business owner only draws half a salary, and may even end up plowing a good portion of what he or she does draw back into the business. So how in the world do you afford health insurance coverage for yourself and our employees?

Fortunately, the State of Colorado makes it easy for small business owners to offer health insurance benefits. Under the banner of Connect for Health Colorado, small businesses (and non-profits, as well) can take advantage of tax credits that will go a long way toward offsetting the cost of health benefits for their employees. In fact, in 2016, the tax credit is actually going to increase, which means that up to 50% of health insurance premium costs will be covered for small businesses. For non-profits, the coverage will be up to 35%. Additionally, this credit will be available to small businesses and non-profits for a period of two years.

Qualifying

In order to qualify for tax credits under Connect for Health Colorado, owners of small businesses must:

  • Provide their employees with health insurance, and cover a minimum of 50% of the cost of coverage for a single person.
  • Have no more than 25 people working full-time (note: employers who have no more than 50 part-time workers may also be eligible for the tax credit).
  • Have average annual wages of no more than $50,000 (this does not include the wages of the business owner and his or her family members).

If you are operating a small business or a non-profit, and think that you might qualify for a tax credit to offset the costs of health insurance benefits for you and your employees, you can use the Connect for Health Colorado small business tax credit calculator. It will show you the amount of tax credit that you can anticipate. Of course, the result that you get from the calculator will just be an estimate. Your accountant or tax adviser can give you more information on how to take advantage of the tax credits that are available through Connect for Health Colorado.

Pros & Cons of Connect For Health

It is difficult to consider the pros and cons of Connect for Health Colorado outside of the context of their website. When it comes to obtaining low-cost health insurance for you and your family, there really aren’t any “cons.” Connect for Health Colorado is a marketplace where Coloradans can obtain affordable health insurance under the terms of the Affordable Care Act, and the service itself operates in essentially the same way as it does in any other state, offering customers a variety of plans through a variety of insurers, with a variety of tax credits and other forms of financial assistance.

In that way, it’s all good. Of course, to take advantage of what’s on offer, you have to use their website. And that’s not necessarily all good. So let’s talk about the pros and cons of the website.

Visuals

Connect for Health Colorado has a reasonably attractive website with lots of color, although it’s obvious that a lot of the images come from stock photos. It gets less pretty the deeper you go, though, where it starts to look as though the web designer got bored and resorted to some kind of canned template.

Navigation

The worst thing about this website is that practically everywhere you click, you’re going to find this disclaimer:

Customer Alert

It is very important to call your health plan to confirm your provider is in their network for the specific plan (EPO, PPO, HMO) you are thinking of purchasing. Our tools are here to give you the best insight, but it’s best to ask your health plan if your medical provider is in their network.

Okay, we got it the first time. No need to tell us over and over.

Another navigation problem is with the search function. It’s not a search bar – it’s a tiny little round thing that rests next to the phone contact information. It took this writer several attempts to find the search function because of the way it was essentially buried.

Searches

This brings us to more specific problems with the search function. A search on a website is supposed to take you easily and instantly to the information you need, but that’s not what happens at http://connectforhealthco.com/. Just as an example, if you know that there’s a tax credit estimate tool on the site, but you can’t find it, you should just be able to go to the search bar (or round thing) and type in “tax credit estimate tool” to be taken right to that tool. Um, no. Instead, you’ll find a whole list of useless articles that you’re going to have to scroll through, and decide which of those articles will take you to the tool. That shouldn’t happen.

Links

There are all kinds of broken links on the website. You should never have to click on something that should be providing essential information and see “Oops…” Enough said.

Forms

Of course, you have to fill out a form to get insurance or to take advantage of tax credits. But you shouldn’t have to fill out forms just to get information, and there’s entirely too much of that at http://connectforhealthco.com/.

The Final Word

We can’t say enough good about Connect to Health Colorado. If you need affordable health insurance and assistance with tax credits and other ways of offsetting the cost of your insurance, this is the place to be. But that’s the organization itself. The website needs work.

At its essence, Colorado Connect for Health is a marketplace where Coloradans can shop for affordable insurance coverage. Tax credits and cost-sharing initiatives can help to reduce the cost of insurance for qualified applicants.

The Plans

Colorado Connect for Health insurance plans are categorized as “metal levels” – bronze, silver, gold and platinum.

  • Bronze – With a bronze plan, the health insurance company pays approximately 40% of medical expenses, while the insurance company covers 60%. The bronze plan has the lowest premiums, but the highest level of cost-sharing in terms of co-payments, deductibles and co-insurance. If you are generally in good health and don’t visit the doctor all that often, the bronze plan could be the right one for you.
  • Silver – Under the silver plan, the insurance company pays 70% of costs, while the consumer covers 30%.
  • Gold – With the gold plan, the insurer covers 80% of health care costs, and the consumer pays 20%.
  • Platinum – Under the platinum plan, the insurance company covers 90% of health care costs, and the consumer just 10%. This plan has the highest premiums, but if you use health care services frequently, this could be the best plan for you.

Catastrophic Plan

This is an additional plan that is available only to people under the age of 30, or to those who qualify for a hardship exemption. The monthly premium is low, but the benefits are also minimal. In Colorado, this is also referred to as the CYA (Colorado Young Adults) plan.

Services Covered

Every health plan that is offered under Colorado Connect for Health covers basic benefits as mandated by federal law. The benefits fall into ten categories:
1. Emergency services
2. Ambulatory patient services
3. Hospitalization
4. Mental health and substance abuse services
5. Maternity and neonatal care
6. Prescription drugs
7. Lab services
8. Rehabilitative services
9. Pediatric services
10. Wellness and preventative services (including management of chronic disease)

Insurance companies have a certain amount of flexibility regarding the way in which these benefits are covered. Health plans may also cover additional services like dental care. You can also purchase stand-alone care for dentistry or vision care.

To get a free quote you can call the phone number below or  Click Here for an online quote.

Speak with a Live representative, call (855) 303-0841

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