Health insurance · Colorado
ACA Marketplace Health Insurance in Colorado
Colorado has expanded Medicaid: an adult qualifies up to about $22,025 in 2026, and marketplace subsidies pick up above that.
- Under 65
- Connect for Health Colorado
- Financial assistance for those who qualify
Marketplace coverage in Colorado
Colorado has expanded Medicaid, so a single adult earning up to about $22,025 in 2026 — 138% of the federal poverty level — qualifies for Health First Colorado, the state’s Medicaid program, and the marketplace subsidy picks up from there. Colorado also runs its own exchange, Connect for Health Colorado, and Senior Solutions Insurance is certified with it.
A real person calls you back.Licensed agents in our Greenwood Village, Colorado office — not a call center, not a robot.
Where Colorado residents buy marketplace coverage
Every plan sold on the marketplace covers the ten essential health benefits, none can decline you or charge more for a pre-existing condition, and the premium tax credit is applied through the same application.
Connect for Health Colorado
Colorado marketplace plans are sold through Connect for Health Colorado. It is a state-based marketplace, and Senior Solutions Insurance holds the Connect for Health Colorado certification shown on our health insurance page. A licensed agent can enroll you there at no extra cost — the carrier pays us; your premium does not change. See how ACA marketplace plans work.
Medicaid expansion in Colorado
Colorado has expanded Medicaid. An adult with household income up to about 138% of the federal poverty level qualifies for Health First Colorado, the state’s Medicaid program rather than a marketplace plan — in 2026 that is roughly $22,025 for one person, $29,863 for two, $37,702 for three and $45,540 for four. Above those lines the premium tax credit takes over and is applied to a marketplace plan. There is no coverage gap: the application checks income first and routes each household to the right program. Expansion status per KFF’s Medicaid expansion tracker (as of August 2026) and medicaid.gov; income lines from the 2026 HHS poverty guidelines.
What you would actually pay, and when you can enroll
The sticker price is not what most people pay
Premium tax credits are based on your household income and household size, and they are applied directly to your monthly premium rather than paid back at tax time. We check what you qualify for before you pick a plan, so you are comparing what you would actually pay each month, and we tell you if a plan’s deductible or network makes the cheapest premium a poor choice.
Open enrollment in Colorado
Open Enrollment is the annual window when anyone can sign up for a marketplace plan or change the one they have. It generally runs from November into January. Connect for Health Colorado is a state-based marketplace and sets its own window, which has often run longer than the federal one. Outside that window you need a qualifying life event — losing job coverage, moving, marriage, or a new child — to enroll. Dates are set each plan year; a licensed agent will confirm the current ones on the call.
Turning 65 in Colorado?
If you are turning 65, or already have Medicare, a marketplace plan is usually the wrong product: once Part A and Part B begin, the premium tax credit ends and Medicare becomes primary. The natural next step is a Medicare Advantage plan for your county.
Colorado insurance regulation
Colorado Division of Insurance
Marketplace plans sold in Colorado are regulated by the Colorado Division of Insurance, which approves the plans and rates carriers may offer, licenses the agents who sell them and handles consumer complaints.
Common questions in Colorado
Do I buy a marketplace plan in Colorado through healthcare.gov?
No. Colorado runs its own exchange, Connect for Health Colorado, and that is where every subsidized individual and family plan in the state is sold. Senior Solutions Insurance is certified with Connect for Health Colorado and can enroll you there at no extra cost.
Has Colorado expanded Medicaid, and what is the income line?
Yes. In 2026 a single adult earning up to about $22,025, or a family of four up to about $45,540, qualifies for Health First Colorado rather than a marketplace plan. Above those figures the premium tax credit applies to a Connect for Health Colorado plan. There is no coverage gap in Colorado.
How does the premium tax credit work on Connect for Health Colorado?
Connect for Health Colorado calculates it from your household income and size and applies it to the monthly premium, so the price you see after the credit is what you pay. Because Colorado’s Medicaid line sits at about $22,025 for one person, the credit is what most single applicants above that income are shopping with.
What if I am turning 65 in Colorado?
Once Medicare Part A and Part B begin, the Connect for Health Colorado subsidy ends and Medicare becomes primary. The usual next step is a Medicare Advantage plan filed for your Colorado county, and Colorado’s State Health Insurance Assistance Program at the Division of Insurance offers free counseling on that choice; our agents in Greenwood Village handle both steps on one call.
Prefer we call you? Here is what happens next.
A real person calls you back.Licensed agents in our Greenwood Village, Colorado office.
A licensed agent calls you back
During business hours: Monday to Friday 9 to 7, Saturday 9 to 5, Mountain Time.
We focus on what you actually need
Tell us whether you need help with Final Expense insurance, Medicare or another health coverage question. Your agent reviews the options that apply to your situation.
You decide what fits
We explain the important differences and next steps. If an option makes sense, we can help you move forward. There is no fee for speaking with us.
Sources
- Connect for Health Colorado — the marketplace for Colorado
- medicaid.gov — Adult Coverage Expansion map and the May 2026 Medicaid & CHIP enrollment highlights (expansion status)
- Colorado Division of Insurance — state insurance regulator
- Wikimedia Commons — state outline (CC0)
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Last updated: September 2026