Finding the Right Health Coverage For You

Private coverage through your job, your spouse's job, or your parent's job. The employer pays part or all of the monthly premium.

Private coverage you buy from an insurance company or through Connect for Health Colorado.

Private coverage through Connect for Health Colorado, which the government may help you pay for.

Public coverage with a small premium, for people with low income.

Your income is abovebelow the limit: x for a household of y.

Free public coverage for people with low income.

Your income is abovebelow the limit: x for a household of y.

Free public coverage, for people with disabilities with low income and low assets.

Public coverage for people 65 and over, or on Social Security Disability Insurance (SSDI) or Childhood Disability Benefits (CDB).

Two public coverage options for people with disabilities:

• Disability-based Health First Colorado (Medicaid) is for people with low income and low assets
• Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In) is for people who work and have higher income or higher assets

Use the Medicaid Adult Buy-In Estimator to figure out which is best for you.

Free public coverage for low-income children and pregnant women.

Your income is abovebelow the limit: x for a household of y.

Public coverage with a premium, for employed people with disabilities with low to moderate income.

Free public coverage for people who get Supplemental Security Income (SSI) benefits. Some people with disabilities with low income and low resources who don't get SSI may qualify.

Private coverage you buy from an insurance company or through Connect for Health Colorado.

Public coverage with a premium, for employed people with disabilities.

Public coverage for children and pregnant women.

Your income is abovebelow the limit: x for a household of y.

Employer-sponsored coverage is private health insurance you get through your job or a family member’s job. Many employers choose to offer it as a benefit for employees who meet certain requirements, such as working a minimum number of hours each week. Employees who get this benefit often have to pay part of the monthly premium to get coverage for themselves and their family members.

Learn more about employer-sponsored coverage.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. You can get your individual coverage directly from an insurance company, through an insurance broker, or on Connect for Health Colorado.

Learn more about individual coverage.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. Depending on your household income and situation, you may qualify to get government help paying for your insurance, if you sign up using Connect for Health Colorado.

Learn more about individual coverage.

MinnesotaCare is a public program that provides coverage for people with income that is too high to qualify for Health First Colorado (Medicaid), but too low to afford private insurance through Connect for Health Colorado. On MinnesotaCare, you have to pay a small premium for your coverage. You may qualify for MinnesotaCare if your family’s income is at or below 200% of FPG (x for a household of y) and you don't qualify for Health First Colorado (Medicaid).

Learn more about MinnesotaCare.

Health First Colorado (Medicaid) is a public health coverage program for people with low income. There are different ways of qualifying; income-based Health First Colorado (Medicaid) is for people with household income that's 138% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). There's no monthly premium for coverage.

Learn more about income-based Health First Colorado (Medicaid).

Medicare is a public health coverage program for seniors (65 years old or older) and people with disabilities. To qualify for Medicare, you or a family member must have worked and paid Medicare taxes for a certain number of years. Medicare has a monthly premium and other expenses, but if you have limited income, some programs may help you pay these expenses.

Learn more about Medicare.

Health First Colorado (Medicaid) and Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In) are two ways for people with disabilities to get public health coverage. The Medicaid Adult Buy-In Estimator asks for detailed information about your situation to see which is best for you. If you might qualify for Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In), it will also tell you what your monthly premium would be.

To learn more, use the Medicaid Adult Buy-In Estimator.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. You can get your individual coverage directly from an insurance company, through an insurance broker, or on Connect for Health Colorado.

Learn more about individual coverage.

Employer-sponsored coverage is private health insurance you get through your job or a family member’s job, if the employer offers it. Employees who get this benefit often have to pay part of the monthly premium to get coverage for themselves and their family members.

Individual coverage is private health insurance you buy on your own for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because of a health condition. You can get individual coverage directly from an insurance company, through a broker, or on Connect for Health Colorado.

Individual coverage is private health insurance you buy on your own for yourself or your entire family. Insurance companies cannot reject your application or charge you more because of a health condition. Depending on your income and situation, you may qualify for help paying for coverage on Connect for Health Colorado.

MinnesotaCare is a public health coverage program for people whose income is too high for Health First Colorado (Medicaid), but too low to afford private insurance. With MinnesotaCare, you pay a small monthly premium. You may qualify if your family’s income is at or below 200% of FPG (x for a household of y) and you don't qualify for Health First Colorado (Medicaid).

Health First Colorado (Medicaid) is a public health coverage program for people with low income. There are different ways of qualifying; income-based Health First Colorado (Medicaid) is for people with household income that's 138% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). There's no monthly premium for coverage.

Medicare is a public health coverage program for seniors (65 years old or older) and people with disabilities. To qualify, you or a family member must have worked and paid Medicare taxes for a certain number of years. Medicare has a monthly premium and other expenses, but if you have limited income, some programs may help you pay these expenses.

Child Health Plan Plus (CHP+) is a public program that helps pay medical expenses for children 18 years old or younger and pregnant women. There may be a premium for CHP+ coverage. A child may qualify if a family's annual income is 260% of FPG (x for a household of y).

Health First Colorado (Medicaid) is a public health coverage program for people with low income. There are different ways of qualifying; for disability-based Health First Colorado (Medicaid), you must have low resources and also either have a disability that meets standards set by the Social Security Administration or be 65 or older. If you get Supplemental Security Income (SSI) benefits, you automatically qualify for disability-based Health First Colorado (Medicaid). There’s no monthly premium for coverage.

Health First Colorado (Medicaid) and Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In) are two ways for people with disabilities to get public health coverage. The Medicaid Adult Buy-In Estimator asks for detailed information about your situation to see which is best for you. If you might qualify for Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In), it will also tell you what your monthly premium would be.

Health First Colorado (Medicaid) and the Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In) are two ways for people with disabilities to get public health coverage. The Medicaid Adult Buy-In Estimator asks for detailed information about your situation to see which is best for you. If you might qualify for the Medicaid Adult Buy-In, it will also tell you what your monthly premium would be.

Health First Colorado (Medicaid) is a public program that helps pay medical expenses for people with low income. The Medicaid Adult Buy-In is a way for working people with a disability to earn a lot more, have much higher resources, and keep their Health First Colorado (Medicaid) coverage. With the Medicaid Adult Buy-In, you may have to pay a premium for your coverage. To qualify for the Medicaid Adult Buy-In, you must be working, a Colorado resident, and have a disability that meets Social Security Administration rules (the state can check if your disability qualifies).