ACA Health Insurance > Break Down > Health Insurance in Colorado
Health Insurance Colorado | Your Friendly Guide to Affordable Coverage
From Denver to Colorado Springs—We’ve Got Colorado Covered.
Hey there, Colorado neighbor! Thinking about health insurance but not sure where to start? You’re not alone. Whether this is your first time shopping or you’re just looking for a better option, this guide will make health insurance in Colorado easy to understand. No confusing lingo. No pressure. Just helpful info to get you started.
Why Should You Buy Health Insurance in Colorado?
Let’s be honest—accidents, illnesses, and surprise medical bills don’t wait for the right time. Health insurance is your safety net, ensuring you get the care you need without draining your wallet.
Why it’s especially important in Colorado:
Nearly 8% of Coloradans under 65 are still uninsured, though the state has its own exchange (Connect for Health Colorado).
Healthcare costs in Colorado continue to climb, particularly in mountain towns and rural areas.
ACA plans cover preventive care—like checkups, screenings, and vaccines—at no out-of-pocket cost.
Even if you’re active and healthy, health insurance makes sure you can stay that way—and catch health issues before they snowball into expensive problems.
Types of Health Insurance Available in Colorado
Marketplace Plans (Connect for Health Colorado)
Colorado runs its own health insurance marketplace where you can compare ACA plans and apply for financial help.
Short-Term Insurance
Short-term plans offer temporary coverage but are limited in benefits. Be aware: Colorado restricts the length and renewal of these plans.
Medicare
Available if you’re 65+ or have certain disabilities. Covers hospital stays, outpatient services, and prescriptions.
Health First Colorado (Medicaid)
Colorado’s Medicaid program offers free or low-cost coverage for eligible residents, including children, pregnant women, and people with disabilities.
Private Insurance
Many Coloradans get insurance through work or purchase plans directly from insurance companies.
Compare plans based on price and benefits with us.
How Much Does Health Insurance Cost in Colorado?
Health insurance pricing in Colorado depends on where you live, how old you are, your income, and your family size. Many Coloradans qualify for premium tax credits through the state’s marketplace.
Some people pay as little as $0/month for coverage. Many others pay under $75/month after applying subsidies. Even if you assume you won’t qualify for help—it’s worth checking.
If you’re over 65, your Medicare plan will have its own costs depending on whether you choose Original Medicare, Medicare Advantage, or supplemental options
.
💡 Consider adding a calculator here to help Coloradans estimate their plan costs.
How to Pick the Right Health Plan for You
To find the right plan, ask yourself:
How often do I see a doctor?
Do I take regular medications?
Is keeping my current doctor important?
What’s my budget?
Some people prefer low monthly payments with higher deductibles, while others want fuller coverage for more predictable costs. It all depends on your lifestyle.
If you’re feeling unsure, we’ve got your back. Our Colorado-based agents can help you compare options, explain the fine print, and guide you toward the best fit—without the hard sell.
Our Health Insurance Services in Colorado
Navigating health insurance can feel like hiking a steep trail—but our licensed agents are here to make it smooth and simple.
Who We Help
We help:
Young adults aging off their parents’ plans
Self-employed Coloradans and gig workers
Seniors enrolling in Medicare
Families wanting full-coverage plans without breaking the bank
Anyone who wants friendly, no-pressure guidance
What We Offer
Our services include:
Enrollment in Connect for Health Colorado plans
Private and off-exchange insurance options
Medicare and Medicaid assistance
Dual-eligible plans for those qualifying for both
Dental, vision, and prescription programs
And yes—we offer bilingual support in Spanish.
How to Get Started
Compare plans.
Chat with an agent (optional).
Enroll online or by phone.
That’s it—you’re protected.
Most Affordable Health Insurance in Colorado
If affordability is your focus, here are three carriers offering budget-friendly ACA plans in Colorado:
Kaiser Permanente Colorado – Known for affordable premiums and integrated care, especially in urban areas.
Anthem Blue Cross and Blue Shield Colorado – Offers competitive rates and a broad provider network.
Friday Health Plans – Popular for simple, tech-friendly plans with telehealth and preventive care included.
We’ll help you compare all carriers to find your best match for both coverage and price.
Top 3 Most Uninsured Cities in Colorado
Some Colorado cities have higher uninsured rates than others:
Pueblo, CO – Economic challenges and high rates of part-time work contribute to gaps in coverage.
Greeley, CO – Many agricultural workers and young adults remain uninsured.
Grand Junction, CO – Healthcare access and insurance enrollment lag in some rural and mountain communities.
No matter where you are in Colorado, we can help you get covered—and stay covered.
Final Tip from Your Friendly Guide
In Colorado, it’s better to be prepared. Health insurance keeps you protected from the unexpected and helps you access the care you deserve.
We’re here to help you compare plans, answer your questions, and walk you through your options. Let’s get you covered today.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!