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Colorado health insurance seekers have options from the state government if they no longer has access to health insurance with an employer. Cover Colorado is the state risk pool that provides coverage to those who cannot get it elsewhere because of pre-existing conditions. State risk pools generally are not cheap, so this should not be a first option. Colorado Child Health Plan Plus provides highly affordable health insurance for those who families with children under 18 and Colorado has a Medicaid program for lower-income applicants.
Rocky Mountain Health Plans offers Colorado residents alternative health plans. The SOLO Health Plans offered by RMHP is for single adults or family with children under the age of 17 years old. To qualify you must be an individual or family that is not covered under an employer or Medicaid plan. RMPH’s health plans are comprehensive health plans that offer unlimited office visits with set copays. They also offer preventive care for such things as blood work and yearly checkups without having to meet a deductible. They currently offer a four prescription drug benefit plan options as well. To qualify you must be an individual or family that is not covered under an employer or Medicaid plan. Rocky Mountain Health Plans are a way to start your search for affordable health care coverage.
If you do not qualify for the low-cost/no-cost health insurance alternatives, you might have to consider a high-deductible/health plan. These are not cushy plans. If you have a health emergency, you will have to pay a high deductible before a coverage kicks in. Before you purchase one, you should try to set up a either a flexible spending account, a health savings account or a health reimbursement account so that you reap whatever tax benefits are available to you for footing the bill for your own insurance. The links are below.
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