Colorado Health Insurance Plans
With a population of almost 5,800,000, Colorado is the 21st most populated state in the country. There are many factors that go into calculating the rate you pay for your health insurance. Below is a breakdown of how much other people in Colorado typically pay for coverage based on different factors.
Colorado Health Insurance Premium by Age
In Colorado, the typical customer 26 and younger will pay $287.22 per month while a person over 56 years old will pay over $428.58 per month.
Age Range Premiums
| Age Range | Premium |
|---|---|
| < 26 | $287.22 |
| 26 - 35 | $307.71 |
| 36 - 45 | $369.81 |
| 46 - 56 | $408.15 |
| > 56 | $428.58 |
Colorado Health Insurance Premium for Smokers vs. Non-Smokers
As with all states, customers in Colorado who smoke may pay a higher premium for their health insurance than those customers who are non-smokers. In Colorado, smokers pay $443.59 while non-smokers pay $376.42 on average.
Smoker vs. Non-Smoker
| Smoker? | Average of Health Premium |
|---|---|
| Non-Smoker | $376.42 |
| Smoker | $443.59 |
The most affordable health insurance premiums, by city, in Colorado
These cities had the most affordable health insurance premiums across Colorado in 2019.
Most Affordable City Premiums in Colorado Health Insurance
| City | Average of Health Premium |
|---|---|
| Lakewood | $192.08 |
| Rifle | $201.27 |
| Broomfield | $241.86 |
| Islands Ranch | $245.87 |
| Westminster | $245.87 |
| Frederick | $249.77 |
| Thornton | $262.36 |
| Aurora | $283.18 |
| Kersey | $284.52 |
| Boulder | $287.22 |
The most expensive health insurance premiums, by city, in Colorado
These cities had the most expensive health insurance premiums across Colorado in 2019.
Most Expensive City Premiums in Colorado Health Insurance
| City | Average of Health Premium |
|---|---|
| Elizabeth | $483.19 |
| Brighton | $483.19 |
| Windsor | $484.31 |
| Littleton | $513.19 |
| Hayden | $561.51 |
| Idaho Springs | $621.42 |
| Grand Junction | $646.20 |
| Arvada | $711.18 |
| Ault | $713.56 |
| Longmont | $864.89 |
When is open enrollment 2021 in Colorado?
Open enrollment periods do vary by state and insurance type. Connect for Health Colorado is the state-run exchange in Colorado. It has a permanently extended open enrollment that will run from November 1, 2020, to January 15, 2021. Insurance companies in Colorado that are part of the state-run exchange include Anthem, Bright Health, Cigna, Denver Health Medical Plan, Friday Health, Kaiser, Rocky Mountains HMO, and Oscar.
When is Medicare open enrollment 2021 in Colorado?
Medicare open enrollment dates also vary by state. Colorado Medicare Open Enrollment is October 15, 2020-December 7, 2020. The General Enrollment Period begins January 1, 2021 and will end March 31, 2021. The Medicare Advantage Open Enrollment Period is from January 1, 2021 to March 31, 2021.
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