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Special Enrollment Period (SEP)
An SEP is when you and your family can sign up for health coverage if you have a qualifying Life Change Event outside of Open Enrollment, such as loss of previous coverage, turning 26 or moving to Colorado, to name a few. You will be required to submit documentation of the qualifying event, and we can help you determine if you have one. The SEP window to enroll in a health insurance plan is up to 60 days from the date of a Life Change Event.
The next Open Enrollment Period occurs in the Fall of 2018 for coverage beginning in 2019.
Contact us to learn more.
Choose the plan that's right for you.
Bronze plans have the highest deductible in exchange for a lower monthly premium. This is a good plan for those who don't access care often, but want the security to know they have coverage when they need it. The Advance Premium Tax Credit (APTC) subsidy can be applied to premiums for a Bronze plan.
Choosing a Silver plan may allow you to save in two ways. First, if you qualify for the APTC, you can use it to lower your monthly premiums. In addition, you may also qualify for the Cost Sharing Reduction (CSR) subsidy--only available in Silver plans--that lowers deductible, copays, and coinsurance costs.
Gold plans mean you'll have a higher premium, but will pay less each time you access care. If you qualify for the APTC, you may apply the subsidy to your Gold plan premium.