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.