Open enrollment for 2027 individual and family health insurance in Colorado runs from November 1, 2026, through January 15, 2027. During this period, you can enroll in coverage or change plans without a qualifying life event.
Enrollment deadlines
| Enroll by | Coverage begins |
|---|---|
| December 15, 2026 | January 1, 2027 |
| January 15, 2027 | February 1, 2027 |
If you want coverage starting January 1, don’t wait until January to enroll. After January 15, you generally need a qualifying life event to enroll or change plans.
Already have coverage?
Connect for Health Colorado is changing how automatic renewals work. Eligible customers will be automatically renewed before open enrollment begins, but you can still review your options and change plans during open enrollment.
Even if you’re automatically renewed, check your 2027 premium, deductible, provider network, and prescription coverage. Staying with the same insurance company doesn’t necessarily mean your benefits will stay the same. Also review your estimated 2027 household income so your financial assistance reflects your expected circumstances.
Available insurance companies for 2027
Colorado’s individual and family market includes:
- Anthem
- Denver Health Elevate
- Kaiser Permanente
- Rocky Mountain Health Plans / UnitedHealthcare
- Select Health
- Colorado Access Choice
Availability depends on where you live. Colorado Access Choice is new for 2027, and Cigna is leaving Colorado’s individual and family market. If you currently have Cigna, review your replacement coverage carefully, including your doctors and prescriptions.
Help comparing your options
We provide no-cost broker assistance with comparing plans and enrolling through Connect for Health Colorado or directly with an insurance company. If you qualify for financial assistance, you’ll need to enroll through Connect for Health Colorado to receive it.
Contact us for help choosing coverage, or visit our subsidies page for an explanation of financial assistance.