Health insurance for Coloradans who buy their own.
We help Coloradans who buy their own coverage, from people leaving a job or COBRA to the self-employed and early retirees, compare Marketplace plans, Colorado Option plans and their other choices across the state.
Colorado plans we compare
What’s different about health insurance in Colorado.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Colorado FAQ- Colorado runs its own exchange. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027; enroll by December 15 for a January 1 start.
- Enhanced federal tax credits ended after 2025, so federal help stops at 400% of the poverty level, but Colorado Premium Assistance adds state money for households from 100% to 400%.
- Every insurer must offer Colorado Option standardized plans, which include $0 primary care and mental health office visits.
- A state reinsurance program lowers full-price premiums, with the biggest cuts on the Western Slope and in rural areas.
- Short-term health plans are not sold in Colorado because state rules limit them to six months with no renewal.
- Cigna is leaving the individual market for 2027, and Colorado Access is joining it.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Colorado's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Colorado, and what to use instead.
Learn moreWho sells plans in Colorado
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Colorado FAQ, or ask an agent at (888) 214-4898.
Open enrollment runs from November 1, 2026 to January 15, 2027. If you enroll by December 15, coverage starts January 1. If you enroll between December 16 and January 15, it starts February 1.
No. The enhanced federal premium tax credits expired after 2025 and had not been restored as of September 2026. Federal help is limited to households between 100% and 400% of the poverty level, though Colorado Premium Assistance adds state money for many of them.
The Colorado Option is a set of standardized Bronze, Silver and Gold plans that insurers must offer in the individual market. State law requires insurers to lower these plans' premiums against a 2021 baseline, and the plans include $0 primary care and mental health visits. About half of exchange enrollees chose one in 2026.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Colorado county, check your subsidy, and walk you through the options. No cost, no obligation.