Advance Premium Tax Credits (APTC) and Cost-Share Reductions (CSR)

There are two types of financial help to reduce your insurance costs. The Advance Premium Tax Credit helps to reduce your monthly  premiums. The amount of financial help is based upon your Modified Adjusted Gross Income. Lower income households may also be eligible for discounts that lower your copays and deductibles. The financial help is only available on Connect for Health Colorado.

View the image to the right to see if you may qualify.

Marketplace Insurance

The Connect for Health Colorado Marketplace is where you can enroll in private health insurance plans and find out if you qualify for financial assistance to lower your health care costs. ConnectAurora can help you with the application process. You can also get help by phone through the Marketplace at 1-855-PLANS-4-YOU (1-855-752-6749). Open enrollment for the Marketplace is November 1st – January 15th. After the open enrollment period is closed (on January 15) you may still be able to buy insurance through Connect for Health Colorado if you have experienced a qualifying life event.

Use Connect for Health Colorado’s Quick Cost and Plan Finder to preview the plans available to you and estimate if you can get financial assistance on your monthly health insurance costs.

**Health First Colorado does provide Medicaid health services to people who have disabilities and people age 65 and older.  These programs have different income and resource requirements.

Health First Colorado (Colorado's Medicaid Program)

Health First Colorado is a free, state-sponsored health insurance program for low-income Coloradans. ConnectAurora can help you through the application process for Health First Colorado Medicaid  or you can apply online, over the phone (1-800-221-3943), in person or by mail.

If you do not qualify for Health First Colorado Medicaid or CHP+,  you may be eligible for financial help through Connect for Health Colorado and/or your children may be eligible for CHP+.

View income requirements for Health First Colorado here.

Child Health Plan Plus (CHP+)

CHP+ is a low-cost health insurance for  children and pregnant women. It is for people who earn too much to qualify for Health First Colorado (Colorado’s Medicaid Program), but not enough to pay for private health insurance. There is an annual enrollment fee ($25 to $105) for children and low co-pays for health services. ConnectAurora can help you through the application process for CHP+, or you can apply online, over the phone (1-800-359-1991), in person or by mail.

View income requirements and enrollment fees here.