Find Affordable Coverage in Colorado
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Colorado ACA Marketplace Overview
In 2026, approximately 195,000 Colorado residents are enrolled in ACA Marketplace coverage. Colorado uses its own state-run exchange for health insurance enrollment.
Colorado has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in Colorado?
The benchmark Silver plan (second-lowest-cost Silver plan) in Colorado costs approximately $368/month before subsidies in 2026. However, most Colorado residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Colorado households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Colorado household income.
Top ACA Health Insurance Companies in Colorado
The following carriers offer ACA Marketplace plans in Colorado for 2026:
- Kaiser Permanente
- Anthem
- Rocky Mountain Health Plans
Plan availability varies by county in Colorado. Use Connect for Health Colorado to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Colorado
- Bronze: Lowest premiums, highest deductibles. Best for healthy Colorado residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Colorado households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Colorado residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Colorado counties.
When to Enroll in Colorado
- Open Enrollment: November 1 – January 15 on Connect for Health Colorado
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Colorado Insurance Resources
- Connect for Health Colorado — Official Colorado enrollment portal
- Colorado Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit