When Can You Buy Insurance?

Open Enrollment has closed. Luckily, Coloradans can still buy 2019 health insurance under certain scenarios, also known as Life Change Events”. If you experience one of these events, you have a

60-day window to buy or change your plan, known as a Special Enrollment Period.

If you experience any of the events below, you may qualify for a Special Enrollment Period.

Events include but are not limited to:

  • Loss of minimum essential coverage (job-based coverage or Health First Colorado, Colorado’s Medicaid program)
  • Birth of a baby, adoption of a child or placement of a child for foster care
  • Getting married
  • Gain of lawful presence
  • Change of dependency status of someone on your plan
  • Turning 26 and aging off your parent’s plan
  • Move to a new permanent address in your state – certain conditions apply
  • Changes in your income that affect the amount of Cost-Sharing Reductions (lower out-of-pocket costs) you qualify for
  • Changes in your income that make you newly qualify for Premium Tax Credit (lower monthly costs)
  • Changes in your income that make you no longer qualify for the Premium Tax Credit (lower monthly costs)
  • Leaving incarceration
  • Change of tribal status
  • Starting/ending AmeriCorps service
  • Incorrectly or inappropriately enrolled in a health plan due to an error or omission on the part of Connect for Health Colorado or someone working in an official capacity to help you enroll
  • Violation of the contract you had with your health insurance carrier
  • Loss of an exemption to purchase health insurance coverage
  • Change in affordability of employer-sponsored insurance

If you think you qualify for a Special Enrollment Period, please contact Connect for Health Customer Service Center at 855-PLANS-4-YOU (855-752-6749) as soon as possible to avoid a gap in coverage.