Health insurance in Colorado, 2027
Colorado runs its own marketplace and adds state savings on top of the federal tax credit. Here is how the pieces fit.
Last checked October 16, 2026 · Written by licensed advisors · Sources are numbered and listed under Notes and sources
Colorado runs its own marketplace
Coloradans buy Marketplace plans through Connect for Health Colorado, the state’s own marketplace, not HealthCare.gov. The plans follow the same federal rules.
For 2026 coverage, 266,988 Coloradans picked a plan during open enrollment.12
- Marketplace
- Connect for Health Colorado
- 2026 plan selections
- 266,988
- Savings
- Federal tax credit plus state-based premium help
- Children
- CHP+
The dates for 2027
Colorado has announced open enrollment for 2027 from November 1, 2026 through January 15, 2027. Choose a plan by December 15 for coverage that starts January 1.
These are Colorado’s announced dates; a federal rule change could still move the end date, and we recheck it on December 1.34
- November 1, 2026Open enrollment for 2027 starts (key step)
- December 15Choose a plan by this date for a January 1 start (key step)
- January 15, 2027Open enrollment ends, as announced (key step)
What to do: Plan to choose in December if you want coverage from January 1.
Two layers of help paying
If you buy through Connect for Health Colorado, the federal tax credit and Colorado’s state-based premium subsidies can work together to lower your monthly premium. Financial help is for people up to 4 times the poverty level, $109,280 a year for a family of three.
If you qualify for Health First Colorado (Medicaid) or CHP+, you can’t get this help on a Marketplace plan, and an offer of affordable job-based coverage also rules it out.32
A family of three
For a family of three, Health First Colorado for the adults reaches about $37,700 a year, and children qualify up to about $72,400 through Health First Colorado and CHP+.56
New in 2027: Health First Colorado work rules
Who it affects: Health First Colorado adults aged 19 to 64.
From January 1, 2027, many Health First Colorado adults aged 19 to 64 need to show work or other approved activities, about 80 hours a month or $580 in earnings, or an exemption, when they apply or renew. Some of them will also renew every six months instead of every year.7
What to do: Open every Health First Colorado letter, and call us if a renewal notice arrives.
Help from a licensed agency
Our agency is licensed in Colorado, and we work with Coloradans by phone and video from our Chicago office. We apply the federal credit and the state help together, so you see what you would really pay, at no cost to you.8
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Obamacare Hotline and/or Medicare Po Polsku are private companies not affiliated with any local, state, or federal government agency. This guide is general information, not tax or legal advice.