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You May Qualify for Subsidies
- The Advance Premium Tax Credit (APTC) is an income-based subsidy that can lower monthly premiums (available to those who purchase plans on-exchange).
- Cost Sharing Reductions (CSR) are also income based and can lower deductibles, copays and coinsurance costs (available for on-exchange Silver plans only).
- SilverEnhanced Savings has a $0 monthly premium and lower deductibles, copays and coinsurance costs (only available for eligible enrollees who buy the “Silver Enhanced 94%” plan through the OmniSalud program).
To find out if you qualify for a subsidy, use the cost calculator (you will not be enrolled unless you complete and sign your application). We can answer your questions or help you enroll 303-602-2451 or 970-368-5969.
| Bronze HDHP |
Colo Option Bronze |
Colo Option Silver |
Colo Option Gold |
|
|---|---|---|---|---|
|
Deductible
Individual Family |
$6,950 $13,900 |
$7,500 $15,000 |
$100-$4,000 $200-$8,000 |
$1,875 $3,750 |
|
Out-of-pocket Max
Individual Family |
$7,100 $14,200 |
$9,200 $18,400 |
$1,225-$9,000 $2,450-$18,000 |
$8,700 $17,400 |
| Preventive Care | No Charge | No Charge | No Charge | No Charge |
| Coinsurance | 50% | 50% | 20%-40% | 30% |
| Primary Care Provider Office Visit | 50% Coinsurance after Deductible | No charge 3 visits, then $50 Copay after Deductible | No Charge | No Charge |
| Specialist Office Visit | 50% Coinsurance after Deductible | $40-$80 Copay | $50 Copay | |
| Behavioral Health/Mental Health/Substance Use Office Visit | No charge | No charge | No charge | |
| Inpatient Hospital Stay | 50% Coinsurance after Deductible | 20%-40% Coinsurance after Deductible | 30% Coinsurance after Deductible | |
| Emergency | 50% Coinsurance after Deductible | 20%-40% Coinsurance after Deductible | 30% Coinsurance after Deductible | |
| Urgent Care | $40-$80 Copay | $50 Copay |
For additional plan information, refer to the Member Handbook or Summary of Benefits and Coverage for each specific plan.
Colorado Option plans have the same benefits and cost-sharing across all health insurance carriers in Colorado. These plans generally have lower premiums and cover basic healthcare needs, considered “essential healthcare” under the Affordable Care Act. Individuals and families can enroll in Colorado Option plans via Connect for Health Colorado, Colorado Connect or directly through DHMP.
We care about your privacy. Our Notice of Privacy Practices details how Protected Health Information (PHI) about you may be collected, used and disclosed and how you can get access to this information.