Colorado Health Insurance (CO)

The state of Colorado has a reputation for being a healthy state in which to live. A few recent statistics, however, call this into question. According to the Colorado Health Foundation's 2007 Colorado Health Report Card released on October 17, 2007, the state ranks 44th among US states in providing health insurance for children. Although adult Coloradans rank healthier than most, overall, the state only ranks 32nd in the percentage of adults with health coverage. The good news is that there are many affordable care options for Colorado families! Find out more by requesting a free quote.

Get a quote for Colorado health insurance >>

Colorado Individual Health Insurance (CO)

• For individual health insurance policies, the insurance companies are allowed to turn you down for coverage because of a health problem
• Individual health coverage cannot be cancelled due to illness
• If you have a pre-existing condition, the insurance company can only exclude your condition for a period of 12 months. However, it is free to permanently exclude your pre-existing condition from coverage with an elimination rider
• If you have maintained continuous coverage, with no lapse longer than 90 days, you will qualify for creditable coverage
• There are no rules about the premium an insurance company can charge for individual insurance. When time for renewal, the premium can increase based on claims made in the pool of people who also bought the same individual health coverage
• If you meet all requirements of HIPAA, you can buy CoverColorado for your individual health insurance. The Colorado Division of Insurance provides a list of rates and description of benefits for CoverColorado, as well as a checklist for application

Get a quote for Colorado health insurance >>

Colorado Group Health Insurance (CO)

• If you apply for group health insurance in Colorado, you cannot be turned down
• If you get sick, you will notmhave your plans cancelled or be forced to pay more
• A new employer may restrict health coverage for a limited time at the beginning of a new job
• With pre-existing conditions, the group insurer can only go back six months to review your medical history and can only exclude coverage for a maximum of six months
• You must not have had a break in health insurance of over 90 days for creditable coverage to apply

Colorado Small Business Health Insurance (CO)

If you are a small employer of 2 to 50 people, you cannot be turned down for group health insurance. Additionally, your plan cannot be cancelled due to illness in your employee group. However, insurance companies are allowed to vary your premium if an employee becomes sick.

Get a quote for Colorado health insurance >>

Colorado Self-Employed Health Insurance (CO)

If you are a self-employed person, you are allowed to buy business group health insurance in Colorado during periods of annual open enrollment. The state allows a business of any size to purchase group health insurance through a qualified, statewide alliance or trade association. For regulations governing associations that have group health coverage availability, it is recommended that you contact the Colorado Division of Insurance.

Colorado Division of Insurance
1560 Broadway, Suite 850
Denver, CO 80202
(303) 894-7499
www.dora.state.co.us/insurance

Colorado State Insurance Programs (CO)

Medicaid, Child Health Plan Plus, and Women's Cancer Control Initiative are available in Colorado for those meeting qualifications.

Health Insurance in Colorado Cities (CO)

Learn more about health insurance (including medical facility details) in Boulder, Colorado Springs, Denver, Fort Collins, and Grand Junction.

Get a quote for Colorado health insurance >>

*As an informational resource, we provide content about insurance companies, products and services; we make no representation, express or implied, of any sponsorship by or any other relationship with any company on this site.  Quotes are provided through insurance brokers, agents, or other representatives who may or may not be able to obtain quotes from any particular company.  We make no representation, express or implied, that a user will be able to obtain an insurance quote from any particular insurance company.