Colorado Health Insurance Blog


Shopping for Colorado Health Insurance?

Posted by on Dec 2, 2016 in Colorado Health Insurance, Colorado Health Insurance Exchange, Health Insurance, Health Savings Accounts, Home Slider, Individual Health Insurance | 0 comments

Shopping for Colorado Health Insurance?

One piece of advice — don’t go it alone. We will make sure you get set up with the right health plan at the right price whether that plan is inside Connect for Health Colorado (the marketplace) or outside of it. Call 970.484.1250 for free advice and expert support or click here for instant health insurance quotes. No personal information required. Get Quotes...

read more

Certified Health Care Reform Experts

Posted by on Dec 1, 2016 in Colorado Health Insurance, Colorado Health Insurance Exchange, Compliance, Group Health Insurance, Health Care Reform, Health Insurance, Home Slider | 0 comments

Certified Health Care Reform Experts

Health insurance in Colorado can be complicated. Especially with all the changes this year with health care reform. You can count on us for expert advice and a thorough review of your health insurance options. Call 970.484.1250 or book an appointment now.                                ...

read more

UPDATED Individual Tax Subsidy Calculator

Posted by on Oct 7, 2013 in Colorado Health Insurance Exchange, Health Care Reform, Health Insurance, Individual Health Insurance | 0 comments

UPDATED Individual Tax Subsidy Calculator

UPDATE 10/7/2013 For some reason, the individual/family health insurance subsidy calculator seems to have been removed from the Connect for Health Colorado website. As an alternative, The Berkeley Labor Center’s calculator has been widely cited as one of the more reliable individual/family tax credit calculators. Please note, however, that this is only an estimate and the premium estimates are based upon national average Silver plan pricing. For assistance with your actual tax credit determination for Colorado, contact us at...

read more

Are Health Savings Accounts a Good Investment?

Posted by on Sep 17, 2013 in Financial Planning, Health Insurance, Health Savings Accounts, Individual Health Insurance, Uncategorized | 0 comments

Are Health Savings Accounts a Good Investment?

A growing trend in both individual and employer sponsored healthcare, using a health savings account (HSA), is a great option for some. HSA accounts are bank accounts that are  paired with a high deductible health plan (HDHP), and are primarily used to pay for medical expenses. One of the chief advantages is that this money can be used tax free, which roughly equates to a 25% savings on health care expenses that are paid from the account. Another perk is that once the account reaches a certain amount, that money can be invested in stocks,...

read more

Are You Eligible for a Subsidy?

Posted by on Sep 11, 2013 in Colorado Health Insurance, Colorado Health Insurance Exchange, Health Care Reform, Individual Health Insurance | 0 comments

Are You Eligible for a Subsidy?

In order to make health insurance coverage affordable for a larger number of people, insurance subsidies will be available to help offset the cost of premiums. To be eligible for a subsidy, you must not have access to a qualified plan through your employer, and your income needs to fall between the range of 100%-400% of the Federal Poverty Level (FPL). (If you make less than 133% of FPL, you will qualify for Medicaid.) Under the Affordable Care Act (ACA), premium costs may fall between 2%-9.5% of your annual income, and are scaled up or down...

read more

Important ACA Compliance Update for Employers

Posted by on Sep 10, 2013 in Colorado Health Insurance, Colorado Health Insurance Exchange, Compliance, Group Health Insurance, Health Care Reform, Health Insurance, Uncategorized | 0 comments

Important ACA Compliance Update for Employers

Beginning January 1, 2014, individuals and employees of small businesses will have access to insurance coverage through the Affordable Care Act’s (ACA) health insurance exchanges (Exchanges), which are also known as Health Insurance Marketplaces. Open enrollment under the Exchanges will begin on Oct. 1, 2013. The ACA requires employers to provide all new hires and current employees with a written notice about ACA’s Exchanges. This requirement is found in Section 18B of the Fair Labor Standards Act (FLSA). The Department of Labor has provided...

read more

Young and Healthy Need to Enroll for the ACA to Work

Posted by on Aug 30, 2013 in Health Care Reform, Health Insurance | 0 comments

Young and Healthy Need to Enroll for the ACA to Work

  The ultimate goal of the Affordable Care Act is to get all Americans covered by health insurance. At the present time, the highest age group of uninsured is people between the ages of 18-34. This is a major concern, as many young people just don’t see the need for healthcare coverage. They’re not often sick, and don’t tend to dwell on the repercussions of a catastrophic accident or sudden serious illness. Some states, like California, are sending strong marketing messages to their youth in hopes that they will choose to get covered....

read more

Health Insurance 101

Posted by on Aug 30, 2013 in Colorado Health Insurance, Group Health Insurance, Health Insurance, Individual Health Insurance | 0 comments

Health Insurance 101

It’s important to understand health insurance basics. Read on to learn how it works, and why it’s important to have. How does health insurance work? Health insurance spreads medical costs among groups of people. Health insurance works best when large, diverse (young, old, healthy, sick) groups of people purchase health insurance and pay their premiums monthly. Why do we have health insurance? We cannot predict when there will be an accident or sudden illness. Medical costs are very expensive, and health insurance helps alleviate that...

read more

Medicaid Expansion and the ACA

Posted by on Aug 30, 2013 in Colorado Health Insurance, Colorado Health Insurance Exchange, Health Care Reform, Health Insurance, Uncategorized | 0 comments

Medicaid Expansion and the ACA

Medicaid is the United States’ health insurance program for low income individuals and families. Although states have the right to make specific rules regarding eligibility and income thresholds, the following groups of low income people are now eligible for Medicaid in most states: Children Pregnant women Parents of young children Disabled people receiving Social Security income The Affordable Care Act (ACA) offers states the right to choose to implement Medicaid expansion, which will expand Medicaid to anyone whose income is less than 138%...

read more

Colorado’s Exchange: Final Health Insurance Rates Released

Posted by on Aug 30, 2013 in Colorado Health Insurance, Colorado Health Insurance Exchange, Group Health Insurance, Health Care Reform, Health Insurance, Individual Health Insurance, Uncategorized | 0 comments

Colorado’s Exchange: Final Health Insurance Rates Released

The Colorado Division of Insurance has released the final rates and plans that will go into effect on January 1, 2014. Open enrollment begins on October 1, 2013 and runs through March 31, 2014. Plans are split into 4 tiers. Bronze plans will cover 60% of costs paid by the plan; silver plans cover 70%, gold 80% and platinum 90%. Accordingly, plans will cost more as the level goes up. There are variations within each tier level, including different copay amounts, deductibles and out of pocket maximums. Catastrophic plans are also available, but...

read more