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Obamacare in Colorado

Through the Affordable Health Care Act, Colorado residents were afforded access to quality healthcare in their area. Residents were given the option of sighing up for medical coverage at an affordable rate, and approximately 140,327 residents were initially enrolled in the plan.

The success of the Obamacare initiative is indicated in the increased number of consumers purchasing quality insurance, while the number of uninsured residents in CO has decreased. Key areas that were addressed by the Affordable Healthcare Act include extending insurance to those who had a pre-existing condition and removing restrictions based on gender and age. More information on Obamacare and how to qualify are covered in the topics below:

Did Colorado accept the Obamacare Medicaid expansion?

Does the state or federal government run the health insurance exchange in Colorado?

Eligibility for Obamacare in Colorado

How to apply for Obamacare in Colorado

Health plan cost and availability in Colorado

Did Colorado accept the ACA Medicaid expansion?

What is the expansion of Medicaid in Colorado? The Affordable Care Act Medicaid expansion was proposed to each state as a new opportunity to expand the existing Medicaid coverage and include individuals whose incomes fell at or below 133 percent of the federal poverty level. In states where the ACA Medicaid expansion was not adopted, the Medicaid program continued as before, with Medicaid eligibility rules residing solely with the state. The Affordable Care Act Medicaid expansion has been adopted by more than half of the states in the U.S. The states who have declined to join cite the ACA Medicaid expansion cost to states as a key reason for their refusal.

Colorado is one of the states that has chosen to adopt the Obamacare Medicaid eligibility program, and to extend the Obamacare Medicaid application to those who would benefit from the program. As a result, approximately 411,622 Colorado residents have been awarded Medicaid, or CHIP. The healthcare initiative in Colorado is called Health First Colorado. Residents who qualify for this program are also offered financial assistance so that they may select plans through the Connect for Health Colorado Marketplace. Obamacare Medicaid expansion details are listed on these websites, or by contacting state or local offices.

Does the state or federal government run the health insurance exchange in Colorado?

The Obamacare health insurance exchange in Colorado is called the Connect for Health Colorado marketplace. Selecting a plan from the Colorado version of the Obamacare healthcare marketplace means that a resident of the state will have met the federally mandated requirements to obtain healthcare. What is the health insurance exchange in CO? U.S. States were given the opportunity to have the federal government run their health exchanges and therefore adhere to the health insurance exchange regulations or maintain the state’s own healthcare exchanges and be responsible for keeping their marketplaces in alignment with federal statutes. What is the marketplace for health insurance in CO? Through Connect for Health, Colorado is able to offer its residents access to a wide range of plans, premiums, and coverages.

Eligibility for Obamacare in Colorado

Obamacare coverage eligibility requirements in Colorado stipulate that the applicant meet several criteria. Most notably, the potential applicant must not: be currently incarcerated, already be enrolled in Medicaid or Medicare, or be covered by an employer’s insurance plan. Colorado residents who want to learn how to qualify for Obamacare can access the marketplace and answer a few questions to obtain an estimated premium for the plan.

What are the requirements to apply for Obamacare in Colorado? To apply for Obamacare, residents of CO need to be a U.S. citizen, apply in the county where they currently reside, and be able to prove their income and household demographic information. Many worry about the Obamacare income requirements but these are only used to determine an applicant’s premiums, and will never be used to refuse coverage to anyone. One of the most encouraging responses to the question, “Who is eligible for Obamacare?” is that nearly everyone is.

How to Apply for Obamacare in Colorado

Colorado residents wanting to know how to apply for Obamacare insurance have several options to choose from. Applicants can sign up easily through the Colorado Health Connect site, or apply in person through an insurance agent. Still others can opt to print out the application and mail it in, or call the marketplace hotline number to have the application filled out and submitted for them. One of the more important questions to ask is, “What do I need to apply for Obamacare?” Many applicants will be relieved to learn that not much documentation is required.

What is needed to sign up for Obamacare? Obamacare applicants will need to submit an application along with the following documentation:

  • Proof of income
  • Proof of Colorado residency
  • Insurance plan policies (if any)
  • Employer contact information
  • Household size and social security numbers

One of the most frequently asked questions regarding Obamacare is “Can I apply online for Obamacare?” The answer is yes, and online application it is the easiest way to apply for healthcare insurance in CO. The program’s website lists detailed directions for how to get Obamacare as well as the steps to take to submit the application. It is important to follow the directions on the application carefully and to submit all requested documents. Applicants who need guidance on how to enroll in Obamacare can contact an Obamacare representative.

Health Plan Cost and Availability in Colorado

How much does Obamacare cost? In Colorado, Obamacare health insurance plan costs will vary from one person to another, and from one county to another. Obamacare health insurance price estimates in Colorado will also largely depend on the amount of subsidies and tax credits a person, or family, qualifies for. The federal government requires the plans to be offered based on a metal system as follows: bronze, silver, gold, platinum. Bronze plans are the basic coverages, while platinum has less out-of-pocket costs but higher monthly premiums. Catastrophic insurance is offered to Obamacare applicants under 30, and only covers the beneficiary in the case of a terrible accident that requires hospitalization.

Obamacare candidates wondering, “How much will Obamacare insurance cost me in Colorado?” can gauge their costs based on a loose estimate that calculates that a typical family of four who selects a silver level plan and earns a salary of less than $50,000 a year, will pay approximately $226 in healthcare a month, after subsidies.