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 Health Insurance in Colorado
Health Insurance in Colorado

Colorado health insurance

The costs of health care have risen about 13% in the past few years. For this reason, it is essential for a person to have a suitable health insurance policy. This is essential in dealing with an emergency cost from health care that may destabilize you financially. This page is designed to provide you with all the details you require before you go for a health insurance plan.

The state of Colorado provides a risk pool for people who are unable to secure it from other sources. This group provides insurance to people who are unable to get it from private insurance carriers due to certain other factors like age, health factors and others. For e.g. if a person is unable to secure insurance because he is aged or has a pre existing condition, he can secure it through a high risk pool provided by the state. These pools also allow people to secure a health insurance plan even when they are becoming self employed or are changing jobs.

According to a new law, health insurance companies in Colorado are forbidden from charging excess premiums or rates from a group or individual, based on his health status. However, the rates offered can vary according to the age of the person, his location etc.

Small group and business insurance in Colorado

This basically refers to a group comprising 2-50 members. Health insurance companies functioning in Colorado must provide insurance to these groups, irrespective of the health status of the members of the group. However, they can impose a 12month period of exclusion on these pre existing conditions. These conditions are of course not applicable for people who qualify under HIPAA.

Colorado Coverage under COBRA

Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Colorado. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.

Colorado Medicaid plans

Medicaid plans are also offered in the state of Colorado. The program is offered under Colorado Medicaid. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.

Other health insurance plans in Colorado

The CHP+ program is offered in the state of Colorado. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria.

Easy Quotes from the Top Colorado Health Insurance Carriers

Our service is the best way for you to secure the most suitable Colorado health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.

An easy, fast and free way to find Colorado Health Insurance

Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.

Health Insurance in Colorado

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