Overview
Colorado residents can purchase short-term health insurance plans with maximum durations of 185 days. Colorado has stricter regulations than many other states.
Key Fact: Colorado limits short-term plans to 185 days with no renewal.
Coverage Options & Alternatives
- Plans available up to 185 days of coverage
- Renewable: No
- Premium range: $140-$390
- Average deductible: $2,500-$5,000
- No coverage for pre-existing conditions
- Not ACA compliant (does not cover essential health benefits)
Available Providers
Anthem, Kaiser Permanente, UnitedHealthcare
Eligibility Requirements
- Must be under 65 years old (Medicare ineligible)
- Cannot be enrolled in Medicaid
- Must pass medical underwriting (pre-existing conditions may affect eligibility)
- Available year-round (not limited to open enrollment periods)
Cost Information
Monthly premiums in Colorado typically range from $140-$390, depending on age, location, and plan features.
Detailed Eligibility Rules
📋 Available Health Insurance Plans in Colorado
Data Source: Theme Static Data (API unavailable) | ● Local DB Data
| Plan Name | Issuer | Metal Level | Deductible | Max OOP |
|---|---|---|---|---|
| Anthem Basic Plan | Anthem | Short-Term | $5,000 | See plan details |
| Kaiser Permanente Standard Plan | Kaiser Permanente | Short-Term | $2,500 | See plan details |
| UnitedHealthcare Premium Plan | UnitedHealthcare | Short-Term | $1,000 | See plan details |
📈 Health Insurance Cost Trends
Data Source: Estimated trend data (BLS API unavailable) | ● Local DB Data
Health Insurance CPI Annual Change: +4.9%
| Year | Medical Care CPI | Health Insurance CPI |
|---|---|---|
| 2023 | 578.3 | 553.5 |
| 2024 | 598.7 | 582.1 |
| 2025 | 619.2 | 610.8 |
Disclaimer: This information is for reference only and may not reflect the most current regulations. Short-term health insurance does not meet ACA requirements and may have coverage limitations. Consult a licensed insurance agent for personalized advice.