Prices You Can Afford.
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health insurance companies. Find your state providers.
Individual & Family Health Insurance
These plans offer a wide range of feature-rich benefits like low-deductibles and affordable co-pays on doctor visits for you and your family. Read More
Democratizing Health Insurance
We see a world where everyone has health insurance. If you don't have health insurance through your work, trying to get it stinks. We're here to change that. InsureMonkey is the easiest way to quote, compare and apply online for health insurance. Anytime. From anywhere.
Welcome to InsureMonkey.
Honestly, isn't this one of the easiest sites you've ever used? You can shop for health insurance benefits in three easy steps:
Get quotes. Compare plans. Apply online. Yes, getting health insurance is really that simple.
However, finding the right plan is an intensely personal thing and we want you to know we're here to help. If you have
questions, need personal assistance, or just want to visit while filling out your application, you can contact one of our
professionally licensed insurance advisors for insights, answers and unbiased advice. Or you can search our community-powered
InsureMonkey University for the answers you need.
Pass It On!
If you find this site helpful, we ask that you Pass It On! Make sure everyone you know can get affordable health insurance. Please tell your friends now!
Top 5 Health Insurance Myths
- Myth: Individual health insurance benefits are not as good as employer benefits. Truth: Hogwash. Individual health insurance is often more benefit-rich than employer-based plans.
- Myth: It's a good idea to add my family to my company's plan and pay the cost of their benefits. Truth: For healthy families, buying individual health insurance for your dependents, instead of adding them to your company plan, can save you up to 75% or more per month for the same benefits.
- Myth: If I'm laid-off, COBRA is my best option. Truth: Before you sign, shop an individual health plan with the same benefits and don't be surprised to save hundreds of dollars per month.
- Myth: My company buys health insurance cheaper than I ever could. Truth: Your employer pays for all healthy and unhealthy employees. With individual health insurance, you pay for only what you need.
- Myth: I'm healthy, so I don't need health insurance. Truth: We all need health insurance. At some point in our lives, we will all have an accident, get injured, or get sick. And at that point, we need insurance. Problem is we can't plan for these things and playing the odds is not in our favor.
Did You Know?
Most of today's self-employed entrepreneurs are covered with individual health insurance plans. Why? Because they get the benefits they need at a fraction of the cost. And we all like to save money!
Individual and Family Insurance Rates
Colorado Individual and Family Health Insurance
Find Colorado health insurance plans in the following metropolitan areas: Aspen, Boulder, Colorado Springs, Denver, Grand Junction, Pueblo, Telluride and other locations.
Colorado Health Insurance 101
Demographically speaking, there are more than 4.5 million residents in Colorado, and the typical family income is about $57,333. Though the vast majority of Colorado residents receive employer health insurance coverage, an estimated 334,667 purchase individual health insurance plans on their own directly through Colorado health insurance providers.
The standard cost of a traditional co-pay policy on the individual market in 2006 was $148 for an individual and $460 for a family health insurance policy, while the standard cost on the group market for the same type of policy was $724 for individuals and $2,911 for families obtaining large or small business health insurance.
The cost of individual health insurance plans is significantly lower on the individual market than on the group (employer-based) market. And, did you know that only 55% of Colorado’s private sector employers offer a health insurance plan? Furthermore, did you know that only 43% of employers with 50 employees or less offer a small business health insurance plan?
Knowing this, it should be no surprise that many people are finding affordable health insurance directly through the Colorado health insurance providers. This is the reason InsureMonkey is here as your health insurance agent: to help give you the details you need to find the best health coverage for you and your family.
Colorado Health Insurance Providers
Colorado’s High Risk Pool
High risk pools exists to assist people who have serious and ongoing medical conditions and are unable to get a health insurance plan on the individual market. Colorado offsets the high cost of coverage for individuals in the pool with a subsidy and the program currently helps approximately 5,414 Coloradoans.
The approximate cost per month for participants in Colorado’s high risk pool are $469 per month per person and the state picks up the remaining costs. There is a $1,000 deductible.
If you’ve been declined individual health insurance coverage and want to see if you qualify to join the high-risk pool, please contact the Colorado Uninsurable Health Insurance Plan at (800) 672-8447 or click http://www.covercolorado.org.
Colorado’s Uninsured
Everyone wishes there were no uninsured people in the state, but unfortunately, there are over 813,188 Colorado residents who are uninsured. Some may need self employed health insurance, while others may need temporary insurance as they are between jobs. We want to substantially lower this number. If you are aware of anyone who is in need of health insurance, refer them to InsureMonkey.
Colorado SCHIP
Needy children in Colorado can benefit from the joint state and federal SCHIP program. SCHIP pays for the health insurance premiums for uninsured children of low-income parents. The family/household income requirements for the parents of low-income kids must fall between 100% and 200% of the poverty rate. In essence, this means that a family has to earn between $17,170 and $34,340 with uninsured children. Colorado’s SCHIP presently helps 51,000 needy children.
For more information, please contact Child Health Plans Plus at (800) 359-1991 or click http://www.cchp.org/index.cfm?action=home&language=eng.
Medicaid in Colorado
The Medicaid plan pays for health insurance for low-income families, pregnant women, children, disabled individuals, the elderly and nursing home residents.
The income eligibility guidelines for Colorado’s Medicaid include:
• Children
o Infants Ages 0-1: $23,408 or 133% of the Federal Poverty Level
o Children Ages 1-5: $23,408 or 133% of the Federal Poverty Level
o Children Ages 6-19: $17,600 or 100% of the Federal Poverty Level
• Parents
o Non-Working: $10,560 or 60% of the Federal Poverty Level
o Working: $11,640 or 66% of the Federal Poverty Level
• Pregnant Women
o $35,200 or 200% of the Federal Poverty Level
For more information, please contact the Colorado Dept. of Health Care Policy and Financing at (303) 866-3513 or click http://www.colorado.gov/cs/Satellite/HCPF/HCPF/1197364127331.
(Facts throughout this page provided by the Kaiser Family Foundation at www.statehealthfacts.org and by The New Health Insurance Solution at www.tnhis.com. Commentary provided by InsureMonkey.)
State Resources
State of Colorado
Website: http://www.state.co.us
Executive Office
Governor: Bill Ritter Jr. (D) (303) 866-2471
Head of Health Department: James B. Martin, Executive Director Department of Public Health and Environment (303) 692-2000
Senators
Sen. Michael Bennet (D) (970) 224-2200
Sen. Mark Udall (D) (202) 225-2161
Medicaid Website: http://www.colorado.gov/cs/Satellite?c=Pagecid=1197969485591pagename=HCPF%2FHCPFLayout
Medicaid Director: Dr. Sandeep Wadhwa, Medicaid Director, Department of Health Care Policy Financing (303) 866-3513
Department of Insurance Website: http://www.dora.state.co.us/insurance