In Colorado, open enrollment begins November 1 and ends January 15. If you enroll in a plan by December 15, your coverage will take effect on January 1.
Colorado residents also have the option to select a plan between December 16 and January 15 — with coverage effective February 1. After January 15, Colorado residents will only be able to make changes to their coverage (or enroll for the first time) if they experience a qualifying event during the year.
You can contact Jay if you’d like to set up a time to discuss your coverage options during the open enrollment period.
Rates and benefits for 2026
For 2026, six insurers are offering coverage through Connect for Health Colorado, including Select Health, which joined the Colorado market recently and continues to grow its footprint. Rates for 2026 are fully finalized, and most carriers increased premiums compared to 2025. How much an individual sees that increase depends on age, location, and plan type.
The majority of Coloradans who use the exchange receive federal premium tax credits / subsidies, and those credits have already adjusted to reflect the new benchmark Silver plan in each region. That means many households will still see manageable net premiums even though full-price rates have gone up.
Colorado Premium Assistance (new for 2026)
Colorado has added a new layer of financial help starting in 2026 called Colorado Premium Assistance. This benefit stacks on top of federal premium tax credits for households under 400 percent of the Federal Poverty Level who still have a remaining monthly premium.
The discount works like this:
Up to $80 per month for the first household member with a premium
Up to $29 per month for each additional member
Or the entire remaining premium after the federal tax credit, whichever is smaller
This help is applied automatically when you enroll through Connect for Health Colorado. It does not need to be repaid and is not tied to your tax return.
Enhanced cost-sharing for Silver plans
Colorado is continuing its expanded cost-sharing reduction program. This means that anyone eligible for CSR will receive the strongest version of the benefit as long as they choose a Silver plan. These enhanced Silver plans function at about 94 percent actuarial value, which is even more protective than a typical Platinum plan.
CSR eligibility runs up to 250 percent of the Federal Poverty Level, which is roughly the mid-thirty-thousand-dollar range for a single adult in 2026.
OmniSalud
Colorado is once again operating OmniSalud, which offers a safe and confidential way for undocumented residents to enroll in health coverage. State-funded financial help is available, but the number of subsidized slots is limited each year. Because of this, it is important to enroll early in the open enrollment window.
OmniSalud plans do not automatically renew, so individuals who had OmniSalud coverage in 2025 must actively re-enroll for 2026 during the open enrollment period.
Open enrollment in Colorado
