Compare affordable ACA and private health insurance plans in Colorado for 2026 through Connect for Health Colorado. The Colorado Option, top carriers, and a licensed agent — free.
We are not a Colorado state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Colorado runs its own marketplace, Connect for Health Colorado, so residents enroll through the state rather than HealthCare.gov. It also offers the standardized 'Colorado Option' — state-designed plans that made up roughly 47% of 2025 enrollments — which lets you compare like-for-like benefits across carriers. About 282,000 residents are covered through the marketplace, and Colorado expanded Medicaid, so subsidies generally begin above 138% of the poverty line.
For 2026 the carriers include Anthem, Kaiser Permanente, Cigna, Select Health, Rocky Mountain Health Plans, and Denver Health Medical Plan. Colorado is really three distinct markets: the Front Range around Denver is crowded with UCHealth, HCA HealthONE, Intermountain and AdventHealth; Colorado Springs leans on UCHealth Memorial and CommonSpirit/Penrose; and Fort Collins is UCHealth and Banner.
We're licensed in Colorado and quote its carriers directly. Below is how coverage works here — including how the Colorado Option compares plans — plus the metros and situations we help with most.
Colorado runs its own exchange, Connect for Health Colorado, and also offers standardized 'Colorado Option' plans — so residents enroll through the state rather than HealthCare.gov.
Colorado expanded Medicaid (Health First Colorado) to adults up to 138% of the poverty line, so lower-income residents may qualify for no-cost coverage while marketplace premium tax credits apply above that threshold.
These companies offer individual and family health plans in Colorado. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
The Colorado Option is a set of standardized plans the state designed, sold by private carriers through Connect for Health Colorado. Because the benefits are fixed, you can compare carriers on price and network for the same coverage — they made up about 47% of 2025 enrollments. We'll show you how they stack up against other plans for your situation.
No. Colorado runs its own exchange, Connect for Health Colorado, and residents enroll there. A licensed Colorado agent can enroll you in the same plans at no extra cost.
For lower-income residents it's often no-cost Health First Colorado (Medicaid); above that, a subsidized marketplace plan — often a Colorado Option plan — is usually cheapest after the premium tax credit. We compare your options for your exact ZIP and income.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.