Health insurance in Colorado

Where Colorado residents buy coverage

Colorado runs its own marketplace — Connect for Health Colorado — rather than HealthCare.gov.

Beyond the marketplace, Colorado residents can also buy private, off-exchange plans directly through carriers or a licensed broker. Off-exchange plans don't use premium tax credits, but they sometimes offer wider PPO networks and can be issued outside Open Enrollment.

Coverage we help CO residents with

• Individual and family plans
• Self-employed and 1099 coverage
• Small business and group plans
• Coverage between jobs and COBRA alternatives
• Early retiree coverage before Medicare
• Dental and vision

Areas we serve across Colorado

We work with residents statewide, including Denver, Colorado Springs, Aurora and Fort Collins. Plan availability, pricing, and networks vary by county and rating area, so the plans quoted for one metro may look different from another.

What affects your Colorado premium

Age, county, tobacco use, household size, and the metal tier you pick drive the price. Household income drives the subsidy. If you want the detail, start with how health insurance costs work and ACA subsidies in 2026.

When you can enroll

Open Enrollment is the main window. Outside it, a qualifying life event — losing job coverage, moving, marriage, a new baby, turning 26 — opens a Special Enrollment Period. See getting covered outside Open Enrollment.