Coloradans can sign up for health insurance through the state's marketplace from Nov. 1 through Jan. 15, but premiums are rising and new federal eligibility rules take effect in 2027, according to Boulder County Human Services.
Individual health insurance premiums are rising by about 10 to 11 percent on average statewide, lower than the expected national average of 15 percent. These price increases apply to plans sold through Connect for Health Colorado, the state's official health insurance marketplace for people who do not get coverage through work or public programs.
A 2025 federal law called H.R. 1 restricts who can receive financial help paying for coverage starting Jan. 1, 2027. Only U.S. citizens, U.S. nationals, lawful permanent residents, Cuban and Haitian entrants, and residents from Palau, the Marshall Islands, and Micronesia who live in the U.S. under the Compact of Free Association can receive federal financial assistance.
Colorado Premium Assistance, a state program, will continue providing help to households with incomes between 100 and 400 percent of the federal poverty level, offering $70 per month for the first household member and $25 per month for each additional person.
OmniSalud, which provides coverage to undocumented Coloradans, will increase its low-cost plans from zero to $15 per person per month. Current members must reapply by Nov. 30 to keep their coverage; new members can enter a lottery for remaining spots.
Boulder County Health Coverage Guides offer free assistance comparing plans and enrolling.