Advance Premium Tax Credits (APTC) and Cost-Share Reductions (CSR)
The Advance Premium Tax Credit is determined on a sliding scale, based on income. This APTC reduces the cost of each month’s premium. Cost sharing reductions or help with out-of-pocket costs (like deductibles and copays) are available to people with low and moderate income levels who purchase insurance through the Connect for Health Colorado Marketplace. View the image to the right to see if you may qualify.
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 (Colorado's Medicaid Program)
Health First Colorado is a free, state-sponsored health insurance program for Coloradans who qualify. When you apply for financial help through Connect for Health Colorado, your eligibility for Health First Colorado will be assessed first. ConnectAurora can help you through the application process for Health First Colorado 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, 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.
**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.
Child Health Plan Plus (CHP+)
CHP+ is a low-cost health insurance for certain 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.