Health Insurance Carriers in Colorado (CO)
A health insurance carrier has a plan for you that is specific to the residents of Colorado. Every state has different regulations and the list below includes providers who offer health insurance plans in Colorado. We have organized this information with the links below for your convenience. When you’ve looked them over, check out the info below. This section outlines what you need to know about Colorado health insurance.
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Colorado Health Insurance Carriers:
Anthem Blue Cross and Blue Shield of Colorado
American Medical Security
Celtic
Clarendon National Insurance Group
Golden Rule
Humana
Kaiser Permanente of Colorado
PacifiCare of Colorado
Security Life
UnitedHealthcare
Individual Health Insurance in Colorado
- For individual health insurance policies, insurance providers can deny coverage due to health issues.
- With pre-existing conditions, the insurance company can only withhold coverage for 12 months. However, the provider may permanently exclude a pre-existing condition from coverage.
- Qualification for creditable coverage requires maintaining continuous coverage with no break longer than 90 days.
- There are no limits on insurance premiums for individuals. Also, at renewal time, the premium can increase based on the claims made in the pool of people who purchased the same individual health coverage.
- Individual health coverage cannot be cancelled due to sickness.
- Those meeting all HIPAA requirements can purchase CoverColorado for individual health insurance.
- The Colorado Division of Insurance provides a list of rates and description of benefits for CoverColorado and an application checklist.
Group Health Insurance in Colorado
- No one can be denied group health insurance, charged more, or be cancelled should they fall ill, provided they qualify.
- When beginning new employment, the new health insurance provider may restrict coverage for a prescribed amount of time.
- With pre-existing conditions, the group insurer can review the six months immediately previous for medical information. Maximum exclusion from coverage cannot exceed six months.
- For creditable coverage to apply, there must not have been a break in health insurance for more than 90 days.
Small Business Health Insurance in Colorado
- If you are a small employer of two to 50 people, you cannot be turned down for group health insurance, nor can it be cancelled due to illness in your employee group.
- However, insurance companies are allowed to vary your premium if an employee becomes very sick.
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Colorado Health Care Programs
Contact the Colorado Dept of Insurance for the most up-to-date and accurate information:
Colorado Division of Insurance
1560 Broadway, Suite 850
Denver, CO 80202
(303) 894-7499
www.dora.state.co.us/insurance
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