Compare your Colorado coverage options with a licensed advisor. Individual, family, self-employed, and small business plans, marketplace subsidies, and enrollment help, explained in plain language.
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Colorado residents have several coverage paths, from marketplace plans and subsidies to private options and employer coverage. Whether you are self-employed, raising a family, or running a small business, clear guidance on how coverage works in Colorado is the first step toward a plan that fits.
Colorado runs its own state-based marketplace, Connect for Health Colorado, where residents compare and enroll in individual and family plans. Private carrier options are also available.
Colorado has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost.
Open enrollment generally runs November 1 through January 15, and Colorado's state-based marketplace sometimes extends this window. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Jordon Murphy Health is a licensed advisory firm serving Colorado residents. We help you compare options, understand costs, and enroll with confidence, at no cost to you.
When Congress let enhanced federal premium tax credits expire for 2026, Colorado responded with three state-level programs to soften the impact: a new state premium subsidy, a majority-adopted standardized health plan, and a lottery-based coverage program for undocumented residents. Connect for Health Colorado, the state's official exchange, laid out exactly how much that cushioned the blow — and how much it didn't — in its own 2026 Open Enrollment Report.
For plan year 2026, Colorado rolled out a brand-new state subsidy — Colorado Premium Assistance — that helped 176,410 residents with premium costs, applying about $10.66 million in total assistance to customer premiums each month. It helped cushion the loss of enhanced federal premium tax credits, though it didn't offset the increase for everyone. Source: Connect for Health Colorado, 2026 Open Enrollment Report (p. 6).
For 2026, half of all Connect for Health Colorado shoppers — 138,548 people — chose the standardized Colorado Option plan, up from 47% in 2025. No other single plan design came close, making it the most-picked option on the state exchange. Source: Connect for Health Colorado, 2026 Open Enrollment Report (p. 8).
Funding for OmniSalud, Colorado's coverage program for undocumented residents, was reduced for 2026, so not every eligible applicant could be covered. Connect for Health Colorado ran a random lottery to award subsidized SilverEnhanced Savings to about 6,700 eligible residents. Source: Connect for Health Colorado, 2026 Open Enrollment Report (p. 6).
Even with the new state aid, Connect for Health Colorado's five-year streak of enrollment growth ended in 2026: marketplace sign-ups dipped about 2% to 277,228, and the exchange estimates customers are collectively paying about $19 million more per month in premiums than in 2025. Source: Connect for Health Colorado, 2026 Open Enrollment Report (pp. 3-5).
We serve Colorado residents across Denver, Colorado Springs, Aurora, Fort Collins, and Boulder and statewide.
Personal coverage for Colorado residents without an employer plan.
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Learn MoreYes. For 2026, Colorado created a new state-funded program, Colorado Premium Assistance, which helped offset premium costs for 176,410 residents after enhanced federal tax credits expired, applying about $10.66 million in assistance to customer premiums each month statewide. It doesn't cover the full increase for everyone, and how much you receive depends on your income, age, and household size. We check whether you qualify for Colorado Premium Assistance in addition to any federal subsidy, and factor both into your real monthly cost before you enroll.
Colorado runs its own state-based marketplace, Connect for Health Colorado, where residents compare and enroll in individual and family plans. Private carrier options are also available. We help you compare both marketplace and private options and choose the one that fits your doctors, prescriptions, and budget.
Many residents qualify for income-based premium tax credits that lower monthly costs. Colorado has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost. We check whether you qualify and help you set an accurate income estimate.
Open enrollment generally runs November 1 through January 15, and Colorado's state-based marketplace sometimes extends this window. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Yes. We work with Colorado individuals, families, self-employed professionals, and small business owners across Denver, Colorado Springs, Aurora, Fort Collins, and Boulder and statewide, matching each situation to the right coverage.
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