Colorado Health InsuranceIndividuals and Families
Health Plans for Individuals & Families
Affordable Colorado Health Insurance
Compare individual and family plans for cheap medical coverage
In Colorado, health insurance premiums have increased as the cost of health care has risen nationwide. According to the State of Colorado, the average health insurance plan for a family getting coverage through an employer increased 40% from 2004 to 2009. A survey of quotes for individual health insurance in Colorado also shows significant increases during the same time period. The good news is that The Colorado Division of Insurance reviews most health insurance rates for individual, small group, and large group coverage for approval before these rates can take effect. Also, unlike some states where consumers have very few options, Colorado has a competitive health insurance market with a number of health insurance companies offering a variety of plans and options. Health Insurance Online is a great place to find affordable Colorado health insurance. Explore our resources or complete a request form to receive no obligation health insurance quotes from leading providers.
Health Insurance Online - Denver Colorado1001 16th Street #121
Denver CO 80265
Telephone: (720) 383-4237
Email: info@online-health-insurance.com
Monday - Friday 9am - 5:30pm CT
Leading Colorado Health Insurance Companies
Aetna of Colorado: Aetna offers group insurance to businesses with as few as 2 employees. They also have individual health insurance options and dental insurance coverage. Offices can be found nationwide including in Westminster, Boulder and Thornton.
Anthem Blue Cross and Blue Shield of Colorado: Anthem of Colorado offers family plans, health savings accounts and short-term medical plans. They have offices statewide including Denver, Colorado Springs and Aurora.
Assurant of Colorado: Assurant of Colorado has been providing Coloradans with affordable health insurance plans that offer high value and comprehensive coverage.
Humana One of Colorado: HumanaOne offers Colorado residents both choice and flexibility in order to customize their plan, including a one-stop destination for life insurance, dental insurance, and individual health insurance.
Kaiser of Colorado: Kaiser Permanente offers three different types of plans for Colorado residents; copayment plans, deductible plans and health savings account plans with high deductible rates.
PacifiCare of Colorado: PacifiCare has individual and group plans as well as health savings accounts. Licensed agents can be found statewide including in the Lakewood, Fort Collins, Arvada and Pueblo areas.
Colorado Health Insurance Plans
There are many difference coverage options when choosing health insurance policies and not all options will be right for you. Here are just some of the options available to you in Colorado:
Individual Coverage: Just like it sounds, individual coverage covers you as an individual. Your underwriting approval is based on your individual health history and the policy covers you alone. You may be able to add riders to cover your children or spouse. Individual coverage offers many different options in copayments and deductibles.
Group Insurance: Many employers, unions and fraternal groups throughout Colorado offer group insurance benefits to their employee members. Group insurance is underwritten based on the experience of similar groups. If you leave the group you will be able to continue coverage under COBRA for up to 18 months (higher premiums might be expected).
HMO or PPO: Both HMO's and PPO's use pre-established physician networks that policyholders are permitted to visit for medical treatment. HMO's give policyholders no insurance coverage when they see a physician or visit a hospital outside the insurance company's network. PPO's pay a reduced insurance benefit when policyholders visit physicians outside their network. Premiums for PPO policies are more expensive than premiums for HMO policies.
Major Medical Insurance: With major medical insurance you get coverage for catastrophic accidents and illnesses only. The coverage can cover surgery, hospital stays, doctor care and emergency transportation resulting from a sudden, serious accident or illness. In most instances, there will be a copayment or deductible that must be met.
Colorado's State High Risk Pool: The state of Colorado has a state-sponsored health insurance program for residents who are considered uninsurable. To be considered uninsurable, you must have been turned down for health insurance coverage or have been asked to pay additional premiums that are considered unaffordable to the majority of the population. The high risk pool offers normal health insurance coverage with several copayment and dividend options.
Colorado's Child Health Program (CHP): CHP is a program for uninsured children whose families make too much to qualify for Medicaid, but not enough to afford individual r group coverage. CHP offers health insurance coverage to children and pregnant women. Copayments range from $2 to $15 and there may be annual enrollment fees.
Health Savings Plan (HSA): HSA's are savings accounts that allow participants to set aside pretax funds into an account. The funds can then be used to pay for allowable medical expenses like copays, prescription drug fees, vision exams and dental visits. Many people combine the tax reducing power of an HSA with a high deductible insurance policy and use the funds in the HSA to pay for deductibles.
Colorado Health Insurance Resources
- Comparing Health Insurance Rates
- Making Health Insurance Affordable
- Individual and Family Insurance vs. Group Health Insurance
- Questions consumers should ask when shopping for Individual Health Insurance
- COBRA vs. Colorado Continuation Conversion
- Health Insurance Glossary of Terms - Part 1
- Health Insurance Glossary of Terms - Part 2
Colorado Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
- Colorado Medicare Plans
- Medicare Supplemental Insurance Plans in Colorado
- Medicare Advantage Plans in Colorado
- Medicare Part D Plans in Colorado
- Official U.S. Government Site for Medicare
Colorado Doctor Directory
Doctors practicing medicine in the State of Colorado are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.
- Directory of Doctors in Colorado - search by location and practice
- Colorado Board of Medical Examiners - credentials and licensing
