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.
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 | $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-$150 Copay | $40-$80 Copay | $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 |
*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.