Coverage & Care

Coverage & Care

Is your child uninsured? We can help. There are a number of public and private health insurance options available to children, and we can help you understand what your family might qualify for and how to enroll. Learn more about your coverage options:

Colorado Medicaid

Medicaid provides low-cost health insurance coverage to low-income children, pregnant women, and adults (including parents). Eligibility is based on several factors, including the family’s household income and the family’s size. Generally, children may be eligible for Medicaid if they are in families that earn up to $2,876/month for a family of four, pregnant women may be eligible if they are in families that earn up to $3,949/month for a family of four, and adults may be eligible if their household income is up to $2,694/month for a family of four, or up to $1,317 for a single adult. People who enroll in Medicaid do not have monthly premiums or an enrollment fee, but they may have to pay a small amount of co-pay for some doctor’s visits. You can apply for Medicaid at any time during the year. On May 1, 2016, Colorado Medicaid will be re-named Health First Colorado.

Child Health Plan Plus

Child Health Plan Plus (CHP+) provides health insurance coverage to children and pregnant women in low income families who earn too much to qualify for Medicaid. Generally, CHP+ provides coverage for children and pregnant women who live in families with monthly household incomes up to $5,265 for a family of four. Depending on the family’s income, the family may have to pay a yearly $25 – $75 enrollment fee for the child, and will be responsible for small co-pays for some doctor’s visits. Pregnant women and their households do not pay an enrollment fee. You can apply for CHP+ at any time during the year.

Connect for Health Colorado

Connect for Health Colorado is an online health insurance marketplace and the only place to buy a private health insurance plan that will qualify for tax credits to help reduce health insurance premium costs. Generally, to qualify for tax credits, a person cannot be eligible for Medicaid or CHP+, and their family income must be under 400 percent of the federal poverty level, or $97,200 per year for a family of four in 2016. The amount of tax credit an individual or family can receive depends on the family’s household annual income. You can apply for coverage through Connect for Health Colorado during the open enrollment period, or a special enrollment period.

Child-Only Plans

Insurance carriers selling plans in the individual private market in Colorado must offer child-only policies and can no longer deny coverage to a child with a pre-existing condition.

Need more help? Contact Covering Kids and Families for assistance and additional information.