Finding the Right Health Coverage For You

The interactive tool below shows the main types of health coverage available today. Answer these questions and it will highlight the options that might be best for you.

Your Family's Options

Note: Your options are highlighted based on your answers to these questions. Depending on the details of your personal situation, you may not qualify for all of the options shown. Keep reading to learn more about your options.

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 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.

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.

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

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

Free public coverage, for people with disabilities with low income; people on SSI qualify automatically.

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

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

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

Two public coverage options for people with disabilities:

  • Disability-based Health First Colorado (Medicaid) is for people with low income and low assets; people who get APA qualify automatically
  • The 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

Free public coverage for people with disabilities with low income and low assets; people who get APA qualify automatically.

Two public coverage options for people with disabilities:

  • Disability-based Health First Colorado (Medicaid) is for people who have low income; people who get SSI qualify automatically
  • Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In) is for people who work and have higher income

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

Free public coverage for low-income children.

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

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.

Two public coverage options for people with disabilities:

  • Disability-based Health First Colorado (Medicaid) is for people who have low income; people who get SSI qualify automatically
  • Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In) is for people who work and have higher income

Read the How Health Benefits Work article to figure out which is best for you.

Public coverage for low-income children.

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

The Kentucky Children's Health Insurance Program (KCHIP) is public coverage for children.

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

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.

Two ways people with disabilities might qualify for Medicaid, even with income that's too high for SSI:

  • SSI 1619(b) Medicaid is for people who used to get SSI, but stopped getting it because they started working.
  • Home and Community Based Services (HCBS) Waivers help people who need Medicaid and other services to be able to live in the community.

Public coverage for low-income children.

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

Two public coverage options for people with disabilities:

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

Read the How Health Benefits Work article to figure out which is best for you.

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

Your income is abovebelow 100% of FPG (x for a household of y).

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

You have to pay the full premium if your income is below 100% of FPG (x for a household of y).

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 program that helps pay medical expenses for people with low income. Children and pregnant women do not have to pay a premium to get Health First Colorado (Medicaid). How you may qualify depends on your family’s situation. Children and pregnant women may be able to get Health First Colorado (Medicaid) coverage if your family’s income is at or under 280% of FPG (x for a household of y).

Learn more about 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.

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

Health First Colorado (Medicaid) is a public program that helps pay medical expenses for people with low income. Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In) is a way for working people with a disability to earn more money, build more resources, and keep their Health First Colorado (Medicaid) coverage. On Medicaid Adult Buy-In, you have to pay a premium for your coverage. To qualify for Medicaid Adult Buy-In, you must be working, a Colorado resident and certified disabled according to the Social Security Administration or the State Medical Review Team (SMRT). You must also be paying Medicare and Social Security taxes, and earning more than per month.

Learn more about Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In).

Health First Colorado (Medicaid) is a public program that helps pay medical expenses for people with low income. On Health First Colorado (Medicaid), you do not have to pay a premium to get coverage. How you may qualify depends on your family’s situation. To qualify for disability-based Health First Colorado (Medicaid), you must have been determined disabled by the Social Security Administration or the State Medical Review Team (SMRT). If you are 65 or older, you may also qualify without a disability. This is not the only way that a person with a disability can qualify for Health First Colorado (Medicaid), but this way of qualifying may help you get more services, and allow you to make more money than the standard Health First Colorado (Medicaid) income limit.

Learn more about disability-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) is a public program that helps pay medical expenses for people with low income. Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In) is a way for working people with a disability to earn more and keep their Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In) coverage. On Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In), you have to pay a premium for your coverage. To qualify for Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In), you must be working, a Colorado resident, and certified disabled according to Social Security Administration rules.

Health First Colorado (Medicaid) is a public program that helps pay medical expenses for people with low income. On Health First Colorado (Medicaid), you do not have to pay a premium to get coverage. How you may qualify depends on your family’s situation. To qualify for disability-based Health First Colorado (Medicaid), you must be determined disabled according to Social Security Administration rules or be 65 or older. This is not the only way that a person with a disability can qualify for Health First Colorado (Medicaid), but this way of qualifying may help you get more services, and allow you to make more money than the standard Health First Colorado (Medicaid) income limit.

Health First Colorado (Medicaid) and Medical Assistance for Employed Persons with Disabilities (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.

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.

Health First Colorado (Medicaid) is a public health coverage program for people with low income. There are different ways of qualifying; children and pregnant women may qualify if their household income is 208% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). Income-based Health First Colorado (Medicaid) for children is also called Denali KidCare (DKC). There’s no monthly premium for coverage.

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

Health First Colorado (Medicaid) is a public health coverage program for people with low income. The Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In) program is a way working people with disabilities can have Health First Colorado (Medicaid) coverage, even if they earn more than the regular Health First Colorado (Medicaid) income limits. To qualify, your disability must meet standards set by the Social Security Administration and you must have low resources. You have to pay a monthly premium for coverage, with the amount based on your income.

Learn more about the Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In).

Health First Colorado (Medicaid) is a public health coverage program for people with low income. There are different ways of qualifying; for APA-related 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 Adult Public Assistance (APA) benefits, you automatically qualify for APA-related Health First Colorado (Medicaid). There’s no monthly premium for coverage.

Learn more about APA-related 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. Note: Income-based Health First Colorado (Medicaid) is sometimes called MAGI-Category Health First Colorado (Medicaid), Adult Health First Colorado (Medicaid), or Health First Colorado (Medicaid) Expansion.

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

Health First Colorado (Medicaid) Child Health Plan Plus (CHP+) is a public program that helps pay medical expenses for children 18 years old or younger in families with low income. There may be a premium for Child Health Plan Plus (CHP+) coverage. A child may qualify if a family's annual income is 205% of FPG or less (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; children may qualify for free coverage if their household income is 200% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). They can pay a monthly premium for coverage if household income is between 200% of FPG and 355% of FPG (x for a household of y). Income-based Health First Colorado (Medicaid) for children is also called NJ FamilyCare.

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

Health First Colorado (Medicaid) is a public health coverage program for people with low income. Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In) is a way working people with disabilities can have Health First Colorado (Medicaid) coverage, even if they earn more than the regular Health First Colorado (Medicaid) income limits. To qualify, your disability must meet standards set by the Social Security Administration and you must have low resources. You may have to pay a monthly premium for coverage, depending on your income.

Learn more about Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In).

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.

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

The Kentucky Children's Health Insurance Program (KCHIP) is a public health coverage program for children with low income. There are different ways of qualifying; children who are 18 or younger may qualify for coverage if their household income is 218% of the Federal Poverty Guidelines (FPG) or less (x for a household of y).

Learn more about KCHIP.

Health First Colorado (Medicaid) is a public health coverage program for people with low income. If you get Supplemental Security Income (SSI) benefits, you automatically qualify for Health First Colorado (Medicaid). If you have a disability (or are 65 or older) and your income and resources are low enough for SSI, you should apply for SSI and if you are approved, you'll get Health First Colorado (Medicaid) automatically. Some people with very low income and resources qualify for disability-based Health First Colorado (Medicaid) even if they don't get SSI.

Learn more about Health First Colorado (Medicaid) options for people with disabilities.

Health First Colorado (Medicaid) is a public health coverage program for people with low income. If you used to get Supplemental Security Income (SSI) benefits and stopped getting them because you started working, SSI rule 1619(b) says that you can keep getting Health First Colorado (Medicaid) as long as your total earnings are $49,441 or less per year. You also must continue to have a disability, still have resources below $2,000 ($3,000 for couples), and meet all other SSI program rules.

Learn more about Health First Colorado (Medicaid) options for people with disabilities.

Health First Colorado (Medicaid) is a public health coverage program for people with low income. People with disabilities who need extra services to be able to live in the community, instead of in a facility or group home, may qualify for a Health First Colorado (Medicaid) Home and Community-Based Services (HCBS) Waiver. Health First Colorado (Medicaid) has a higher income limit for people in this situation, but some people have to pay a patient liability.

Learn more about Health First Colorado (Medicaid) options for people with disabilities.

Health First Colorado (Medicaid) for Kids is a public health coverage program for children with low income. Children may qualify for free coverage if their household income is 150% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). They can pay a monthly premium for coverage if household income is between 150% of FPG and 300% of FPG (x for a household of y).

Learn more about Health First Colorado (Medicaid) for Kids.

Health First Colorado (Medicaid) is a public health coverage program for people with disabilities who have low income and low resources. Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In) is a way working people with disabilities can have Health First Colorado (Medicaid) coverage, even if they earn more than the regular Health First Colorado (Medicaid) income limits. To qualify, your disability must meet standards set by the Social Security Administration and you must have low resources. You may have to pay a monthly premium for coverage, depending on your income.

Learn more about Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In).

Health First Colorado (Medicaid) is a public program that helps pay medical expenses for people with disabilities and seniors who have low income and low resources. With Health First Colorado (Medicaid), you do not have to pay a premium to get coverage. To qualify, you must have been determined disabled by the Social Security Administration or a Medical Review Team. If you are 65 or older, you may also qualify without a disability.

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

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.

To get subsidies to help pay for individual coverage, your income must be at least 100% of FPG. That's at least x for a family of y.

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.

Health First Colorado (Medicaid) is a public program that helps pay medical expenses for people with low income. On Health First Colorado (Medicaid), you do not have to pay a premium to get coverage. To qualify for disability-based Health First Colorado (Medicaid), you must have a disability that meets Social Security standards or be 65 years old or older. With disability-based Health First Colorado (Medicaid), you may qualify for extra services to help with disability-related needs.

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 program that helps pay medical expenses for people with low income. For children and pregnant women, there's no premium. Children and pregnant women may qualify for Health First Colorado (Medicaid) if their family’s income is at or under 280% 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; 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.

Health First Colorado (Medicaid) is a public health coverage program for people with low income. Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In) lets people with disabilities earn more money, build more resources, and keep their Health First Colorado (Medicaid) coverage. To get Medicaid Adult Buy-In, you must work and earn more than per month, pay FICA taxes, be a Colorado resident, have a disability that meets Social Security standards, and pay a monthly premium.

Health First Colorado (Medicaid) and Medical Assistance for Employed Persons with Disabilities (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 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 tells you what your monthly premium would be.

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 Child Health Plan Plus (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).