November 1st, 2025 – Open enrollment for individual and family plans in Colorado begins today and remains open until January 15, 2025. Individual plans will rise an average of 5.6% across Colorado, whereas small group plans will rise an average of 7.1%.
Increases in premiums are partly due to rising costs for healthcare and prescription medications and partly due to the lingering effects of the Covid-19 pandemic, as Coloradans continue to seek care that was postponed during the pandemic or are impacted by the after-effects of postponing their healthcare needs.
For most individuals, the deadline to enroll for a new personal health insurance plan starting January 1st, 2025 is December 15th. Those who sign up between December 16th and January 15th can still obtain coverage, but it will start on February 1st, 2025.
The insurance providers for 2025 include Anthem Blue Cross Blue Shield, Cigna, Elevate by Denver Health, Kaiser Permanente, Select Health, and UnitedHealthcare/Rocky Mountain Health Plans. Available carriers and networks may differ depending on your county of residence.
Colorado Health Insurance Brokers are brokers both for insurer-direct plans and are certified brokers for Connect for Health Colorado marketplace plans. The Connect for Health Colorado marketplace is the best option for individuals if there’s a chance your tax household could be eligible for federal Premium Tax Credits. Have one of our licensed Agents help you determine if you’re eligible for the federal Premium Tax Credits and to assist you with carrier and plan selection.
Approximately 80% of individuals who bought plans on Connect for Health this year were eligible for financial assistance. Of those, around 77% will have the option to purchase a plan for 2025 with a monthly premium of $100 or less. It’s worth noting that the lowest cost plans typically have the highest deductibles, so it’s worth going through the carrier and plan options with a licensed broker to help you find the plan that best suits your individual needs.
January 15th is the final day of the 2025 open enrollment period, which is the only opportunity for Coloradans to purchase their own health insurance unless they experience a qualifying life event, such as losing employer-sponsored coverage or relocating to Colorado from another state. Get your free health insurance quote for 2025 today!
