Colorado ACA health insurance plans for 2026.
Colorado runs its own state-based Marketplace, Connect for Health Colorado, separate from HealthCare.gov. We compare every on-exchange carrier in your county — Anthem BCBS CO, Kaiser Permanente, Cigna + Oscar, Denver Health, Rocky Mountain HMO, Bright Health — and check your doctor's network before you enroll.
Colorado's ACA Marketplace
Colorado runs its own state-based Marketplace, Connect for Health Colorado, separate from HealthCare.gov.
Most Coloradans qualify for federal premium tax credits, plus Colorado's reinsurance program lowers premiums for everyone in the state.
2026 Colorado Marketplace carriers
Availability varies by county and metal tier (Bronze, Silver, Gold).
2026 Colorado on-exchange carriers include: Anthem BCBS CO, Kaiser Permanente, Cigna + Oscar, Denver Health, Rocky Mountain HMO, Bright Health.
Networks vary widely. Some plans use narrow networks built around a single health system; others use broader statewide PPOs. We verify your doctor and preferred hospital before recommending any plan.
Medicaid expansion in Colorado
Colorado expanded Health First Colorado (Medicaid) under the ACA. Adults under 138% FPL generally qualify.
Colorado ACA enrollment dates
- Open Enrollment: November 1, 2025 – January 15, 2026 for 2026 coverage.
- Plan effective dates: Plans selected by December 15 start January 1; plans selected December 16 – January 15 start February 1.
- Special Enrollment Period (SEP): Triggered by qualifying life events — losing coverage, marriage, birth, moving, income change. Runs 60 days from the event date.
Colorado counties we cover
All 64 Colorado counties.
Ready to enroll in Colorado ACA coverage?
Free, no pressure. Licensed in Colorado and all 50 states. We'll check your subsidy, compare every Marketplace plan in your county, and verify your doctor's network — all before you enroll.