Elevate Exchange / Colorado Option Plan Comparison

Which Plan is Right For You?

The plan comparison below will provide you with general information to help you decide which Elevate Exchange or Colorado Option* plan is right for you. Use the scrollbar to see all options. For additional plan information, refer to the Member Handbook or Summary of Benefits and Coverage for each specific plan.

You can use the Monthly Cost Calculator find out if you qualify for APTC or CSR subsidies to offset your costs. Simply answer the qualifying questions – you will not be enrolled until you complete and sign your application.

Compare:

	Exchange Bronze HDHP	Exchange Bronze Standard	Colo Option Bronze	Exchange Silver Standard	Exchange Silver Select	Colo Option Silver	Exchange Gold Standard	Exchange Gold Select	Colo Option Gold
Deductible Individual Family	$6,950 $13,900	$8,550 $17,100	$7,000 $14,000	$250-4,250 $500-$8,500	$250-$6,500 $500-$13,000	$100-$5,000 $200-$10,000	$2,750 $5,500	$3,000 $6,000	$1,600 $3,200
Out-of-pocket Max Individual Family	$7,000 $14,000	$8,550 $17,100	$9,100 $18,200	$1,250-$7,500 $2,500-$15,000	$1,000-$9,100 $2,000-$18,200	$1,000-$8,550 $2,000-$17,100	$7,000 $14,000	$8,000 $16,000	$7,800 $15,600
Preventive Care	No Charge	No Charge	No Charge	No Charge	No Charge	No Charge	No Charge	No Charge	No Charge
Coinsurance	50%	0%	50%	5%-30%	5%-50%	20%-40%	10%	10%	30%
PCP	50% Coinsurance after Deductible	0% Coinsurance after Deductible	No charge 3 visits, then $50 Copay after Deductible	5%-30% Coinsurance after Deductible	$5-$45 Copay	No Charge	10% Coinsurance (no deductible)	$15 Copay	No Charge
Specialist	50% Coinsurance after Deductible	0% Coinsurance after Deductible	50% Coinsurance after Deductible	5%-30% Coinsurance after Deductible	$15-$90 Copay	$40-$80 Copay	10% Coinsurance after Deductible	$40 Copay	$50 Copay
Emergency	50% Coinsurance after Deductible	0% Coinsurance after Deductible	50% Coinsurance after Deductible	5%-30% Coinsurance after Deductible	$100-$300 Copay	20%-40% Coinsurance After Deductible	10% Coinsurance after Deductible	$150 Copay	30% Coinsurance After Deductible
Urgent Care	50% Coinsurance after Deductible	0% Coinsurance after Deductible	50% Coinsurance after Deductible	5%-30% Coinsurance after Deductible	$50-$150 Copay	$40-$80 Copay	10% Coinsurance after Deductible	$75 Copay	$50 Copay
Adult Dental/Vision	Yes	Yes	No	Yes	Yes	No	Yes	Yes	No
Member Handbook/ Summary of Benefits & Coverage	View	View	View	View	View	View	View	View	View

	Exchange Bronze HDHP	Exchange Bronze Standard	Colo Option Bronze	Exchange Silver Standard	Exchange Silver Select	Colo Option Silver	Exchange Gold Standard	Exchange Gold Select	Colo Option Gold
Deductible Individual Family	$6,950 $13,900	$8,550 $17,100	$7,000 $14,000	$250-4,250 $500-$8,500	$250-$6,500 $500-$13,000	$100-$5,000 $200-$10,000	$2,750 $5,500	$3,000 $6,000	$1,600 $3,200
Out-of-pocket Max Individual Family	$7,000 $14,000	$8,550 $17,100	$9,100 $18,200	$1,250-$7,500 $2,500-$15,000	$1,000-$9,100 $2,000-$18,200	$1,000-$8,550 $2,000-$17,100	$7,000 $14,000	$8,000 $16,000	$7,800 $15,600
Tier 1 30-day Supply (Preventive)	$0 copay	$0 copay	$0 copay	$0 copay	$0 copay	$0 copay	$0 copay	$0 copay	$0 copay
Tier 2 30-day Supply (Generic)	50% Coinsurance after Deductible	$60 Copay	$15 Copay	$5-$20 Copay	$5-$20 Copay	$0-$10 Copay	$15 Copay	$10 Copay	$5 Copay
Tier 3 30-day Supply (Preferred Brand)		$175 Copay	$100 Copay	$15-$35 Copay	$30-$55 Copay	$10-$62 Copay	$25 Copay	$35 Copay	$25 Copay
Tier 4 30-day Supply (Non-Preferred Brand)		$275 Copay	$175 Copay	$25-$70 Copay	15% Coinsurance after Deductible	$20-$150 Copay	$55 Copay	5% Coinsurance after Deductible	$100 Copay
Tier 5 (Specialty)		$710 Copay	$350 Copay	$50-$595 Copay	15% Coinsurance after Deductible	$30-$325 Copay	$580 Copay	5% Coinsurance after Deductible	$300 Copay
Member Handbook/ Summary of Benefits & Coverage	View	View	View	View	View	View	View	View	View

*The new Colorado Option plans will have the same benefits and cost-sharing among all health insurance carriers in Colorado and are available beginning in 2023. These plans generally have lower premiums and cover basic healthcare needs, considered “essential healthcare” under the Affordable Care Act, but they do not include the additional benefits that many on and off Exchange plans cover, such as dental and vision. Individuals and families can enroll in Colorado Option plans via Connect for Health Colorado, Colorado Connect or directly through DHMP.