Colorado Access Choice is a new individual and family health insurance option for 2027. It comes from Colorado Access, a Colorado-based nonprofit with more than 30 years of experience serving Colorado communities.
The marketplace coverage is new, even though the organization behind it isn’t. Colorado Access Choice is offered through Access Connected Care Partners, a Colorado Access subsidiary.
For consumers, the question is straightforward: Does it offer a good combination of price, benefits, prescription coverage, and access to the doctors you want?
Where is Colorado Access Choice available?
Colorado Access Choice lists these 14 counties in its coverage area:
| Area | Counties |
|---|---|
| Boulder | Boulder |
| Colorado Springs area | El Paso and Teller |
| Denver metro and surrounding counties | Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, and Park |
| Pueblo | Pueblo |
Living in the service area allows you to consider its plans. It doesn’t establish whether a particular doctor or hospital participates in the network.
What plans does Colorado Access Choice offer?
The published 2027 lineup includes:
| Coverage level | Plan names |
|---|---|
| Bronze | Colorado Option Bronze; Bronze 8000; Bronze 7000 Rx Copay |
| Silver | Colorado Option Silver; Silver 5000; Silver 4000 Rx Copay |
| Gold | Colorado Option Gold |
There are also income-based cost-sharing reduction versions of eligible Silver plans, along with on-exchange and off-exchange plan documents.
Compare the actual benefits rather than choosing by the deductible in the plan’s name. Look at office visits, prescriptions, hospital care, coinsurance, and the annual out-of-pocket maximum.
For example, the standard Bronze 8000 Summary of Benefits and Coverage lists:
- An $8,000 individual deductible.
- An $11,000 individual out-of-pocket maximum.
- A $50 copay for each of the first three primary care visits, before the deductible.
- A $100 copay for the first specialist visit, before the deductible.
Later visits have different cost-sharing rules. This is a useful reminder that a copay benefit can have a visit limit—and that the deductible isn’t the most you could spend.
Check the documents for the exact plan and version you’re considering.
Which doctors and hospitals accept Colorado Access Choice?
Colorado Access Choice has its own provider directory. Search that directory for your doctors, their office locations, and any hospitals or outpatient facilities you expect to use.
Don’t assume a provider participates simply because they work with Colorado Access through Medicaid or CHP+. Participation in those programs doesn’t automatically establish participation in the new marketplace network.
Before enrolling:
- Search each important doctor by name and location.
- Check hospitals and other facilities separately.
- Confirm participation with the practice’s billing office.
- Ask the insurer to resolve any conflicting information.
Our Colorado doctor and hospital finder explains how to check networks and provides links to carrier directories.
How does prescription coverage work?
Colorado Access Choice publishes a 2027 prescription formulary. Check your medications individually, including the strength and formulation.
A drug appearing in the document doesn’t necessarily mean it’s covered. Some entries are marked NC, meaning not covered. Other medications have requirements such as prior authorization, step therapy, quantity limits, or use of a designated specialty pharmacy.
Then check the plan’s prescription benefits to determine what you would pay. A covered drug can still involve substantial costs.
Diabetes supplies
Colorado Access Choice advertises select diabetes supplies at $0 under its Colorado Option plans, including certain glucose meters, test strips, continuous glucose monitors, and insulin pumps.
Check the covered products and applicable requirements. This benefit shouldn’t be read as a promise that every device, brand, or diabetes-related prescription is free.
Can you use financial assistance?
Eligible customers enrolling in qualifying on-exchange plans through Connect for Health Colorado may receive financial assistance.
Compare premiums after your household’s assistance is applied. The full-price premium alone won’t tell you which plan is least expensive for you.
If you qualify for cost-sharing reductions, compare the eligible Silver plan versions carefully. Those reductions can change deductibles, copays, and out-of-pocket limits substantially.
Our Colorado health insurance subsidy guide explains financial assistance, and our MAGI calculator can help you estimate the income used for marketplace premium tax credits.
Off-exchange plans aren’t eligible for marketplace financial assistance, even when they’re available through the same shopping platform.
Is Colorado Access Choice a good option?
It belongs in the comparison when its network, prescriptions, and total costs work for your household.
The organization has an established history in Colorado, but its individual-market product won’t have a full year of member experience behind it when 2027 enrollment begins. We can evaluate the published benefits and provider listings now; claims administration and day-to-day member service will take time to assess.
For someone leaving Medicaid or CHP+, the familiar Colorado Access name may be appealing. Still, this is different coverage with different costs and network rules.
We’ll compare it using the same questions we use for other carriers: Can you keep your providers? Are your prescriptions covered? What will you pay each month, and what could you owe if you need substantial care?
Enrolling for 2027
Colorado open enrollment runs November 1, 2026, through January 15, 2027.
- Choose a plan by December 15 for coverage beginning January 1.
- Choose a plan December 16 through January 15 for coverage beginning February 1.
If you’d like help comparing Colorado Access Choice with other available plans, send us your doctors, preferred hospitals, prescriptions, and expected household income.
Colorado Access Choice resources