For individuals and families under age 65, Open Enrollment is from November 1st through January 15th. Medicare Annual Open Enrollment (AEP) is from October 15th through December 7th every year.

Many people do qualify for a monthly subsidy by applying through Connect for Health Colorado.  We can help with that, and we are certified with Connect for Health Colorado to assist you through every step.  The level of assistance is based on your family income and how many people are in your household.

Medicare is for people 65 and older, and for certain younger people with disabilities.  We are contracted with all Medicare product carriers and offer Medicare Advantage plans, Medicare Supplement plans, and Part D plans for prescription drugs.  We can help you figure out the available products and how they benefit you.

Anthem BCBS, Cigna, Select Health, Kaiser Permanente, and UnitedHealthcare are among the companies offered in Colorado.  We are contracted with all of the carriers in Colorado, so you can choose what works best for your needs.   Not all companies are available in all areas in Colorado.

Individuals and families that qualify for a Life Changing Event, such as a job change, divorce, marriage, birth of a child, or moving out of a service area may qualify to get health insurance outside of Open Enrollment.  Contact us to verify if you are able to get a new health plan.

Health Insurance plans contract with networks of hospitals, doctors, pharmacies, and other health care providers.  You'll need to stay in network with your carrier in order for your services to be covered.  If you receive services out of network, you may be responsible for the full bill.

Dependents can stay on their parent's policy until they turn 26.  Most carriers cover until the end of the birthday month, some will cancel on their actual birth date.  At that time, they will need to get on their own health plan.