Alternatives to Short Term Health Insurance Plans in Colorado

Short-term plans are no longer available in Colorado.

Colorado short-term health insurance is no longer available. Colorado no longer has viable short-term insurance plans because state legislature passed a law that made it impossible for insurance companies to profitably offer them. As a result, carriers pulled out of the state.

This leaves some people asking what to do about getting coverage, especially if they need something while they are between jobs, or are looking for cheaper temporary alternative.

What other options are available?

Here are two other viable options:

permanent health

Permanent Health Insurance

You can sign up for health insurance from October 15th to January 15th if you need coverage starting around the first of the year.

If you qualify for a special enrollment period (qualifiers include moving to a different state, getting married, the birth of a child, and losing group coverage), you can sign up at any time.

If those scenarios don’t fit your situation, you can only get health insurance outside the open enrollment period if you are able to join a group plan, such as with an employer.

sharing plans

Health Care Sharing Plans

If someone in CO needs some protection for only a short time, especially if they want it to start any time other than 1st of the year,a health care sharing program would probably be the best option.

Health care sharing programs are not insurance, and as a result, they don’t have set enrollment period like insurance. You can get an immediate effective date, and you’ll probably pay even lower rates than a short-term health insurance plan.

To learn more, visit our page on health share information

Get a Quote

Click here to get a quote on health sharing plans available in Colorado.

Health Insurance Instant Quote

HEALTH INSURANCE INFORMATION

  • Plans approved and authorized under the Affordable Care Act
  • Covers Pre-Existing conditions
  • Low cost subsidized plans available to those earning
    < 400% of the federal poverty level
  • Unlimited lifetime benefits
  • Available during open enrollment (November 1 – January 15), or if you qualify for a Special Enrollment Period

Learn More About Colorado Health Insurance Plans

Healthshare Instant Quote

HEALTH COST-SHARING INFORMATION

  • Not health insurance, but a way for like-minded individuals to share medical expenses
  • Waiting periods on pre-existing conditions
  • May exclude sharing for certain conditions or activities
  • Enroll any time
  • Much lower monthly cost than unsubsidized health insurance

Learn More About Colorado Healthshares Programs