FreedomBenefits.net  affordable health insurance
The health insurance exchange makes it easy to find affordable high quality coverage available in your home state.
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Professional enrollment support is available for all of the benefit plans listed on this page. Send your question by e-mail or live online chat.


 

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Colorado Affordable Health Insurance Exchange

Twenty commercial health insurance companies offer individual health insurance policies in Colorado and 21 companies issue small group insurance. The state-sponsored high risk health plan for residents with pre-existing medical conditions is called "Cover Colorado". These standard policies may be more expensive than some residents can afford. Colorado also has an Indigent Care Program that is not health insurance but can help low income residents pay for medical services. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation.

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Colorado insurance & benefit news

The state of Colorado had the 20th lowest health insurance costs of all states in 2008 with an average family premium cost of $11,967 per year. (The average annual premium for a U.S. family covered under an employer-sponsored health plan in 2008 was $12,298 according to The Commonwealth Fund report. The overall quality of health care ranked 24th out of the 51 states (including DC).
Colorado Division of Insurance drew attention by issuing a warning in July 2008 about small businesses that use HRA plans to  bypass the mandated benefits of business health plans. 

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low cost health insurance

Colorado Insurance Law

The Colorado Division of Insurance Web site contains basic information about various types of health insurance.  Colorado insurance law allows self-employed residents buy group health insurance for a one person business.
The state Division of Insurance can be reached by telephone at (303) 894-7490 or by mail at 1560 Broadway, Suite 850, Denver, CO 80202. The state children's health insurance plan (CHIP) Web site is Colorado Child Health Plan Plus (CHP+).

Non-insurance Discount Plans


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Consumer Insurance Issues

7/15/2010 The new Colorado High Risk Insurance Pool called "GettingUSCovered" is now open through Rocky Mountain Health Plan and CoverColorado. This new open enrollment insurance is expected to provide coverage for about 4,000 previously uninsured Colorado residents at subsidized rate of $115 to $601 per month, depending on age for a $2,500 deductible single person coverage policy. A $90 million federal grant will subsidize the cost of the program until 2014.

5/14/2010 Diabetes Coverage: A new resource to help find health insurance for diabetics in Colorado is now available at Freedom Benefits.

3/23/2010 A proposed constitutional amendment that prevents citizens from being forced to purchase health care insurance has been proposed and the state attorney general says that the state will not enforce federal health care reform law. Colorado is considering joining a multi-state lawsuit to oppose federal health care reform.

3/13/2010 The bill intended to expand maternity and contraceptive coverage in individual policies and eliminating pregnancy as a pre-existing conclusion has been defeated. Maternity coverage will be available as an optional coverage.


Office of Tony Novak Contact the Author:

The content on this Web page was last updated by consumer finance writer Tony Novak on 5/12/2010. Comments, feedback, questions and corrections are welcome to help keep content relevant and up-to-date. Contact the author directly by e-mail, on Facebook, Twitter or the contact information included on his Web site.

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