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Marketplace Overview . October 2013. What is Connect for Health Colorado? . Competitive marketplace for private health insurance Exclusive way to get new financial help to reduce costs Broad statewide Customer Support Network
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Marketplace Overview October 2013
What is Connect for Health Colorado? • Competitive marketplace for private health insurance • Exclusive way to get new financial help to reduce costs • Broad statewide Customer Support Network • Open for individuals, families and businesses with less than 50 employees
92 Health Plans for Small Employers • Anthem Blue Cross and Blue Shield / HMO Colorado • Colorado Choice Health Plans • Colorado HealthOP • Kaiser Permanente • Rocky Mountain Health Plans • SeeChange Health 12
150 Health Plan Choices for Individuals/Families • Access Health Colorado • Anthem Blue Cross and Blue Shield / HMO Colorado • Cigna • Colorado Choice Health Plans • Colorado HealthOP • Denver Health Medical Plan • Humana • Kaiser Permanente • Rocky Mountain Health Plans • UnitedHealthcare 12
Dental Plans for individuals/families • Anthem Blue Cross and Blue Shield / HMO Colorado • BEST Life and Health Insurance Company • Cigna • Delta Dental of Colorado • Dentegra Insurance Company • Premier Access Dental and Vision 12
Individual Marketplace Open Enrollment • Deadline for enrollment to have coverage Jan. 1, 2014 Oct. 1 Dec. 15 Jan. 1, 2014 March 31, 2014 • Open Enrollment Begins Coverage begins Individual Open Enrollment Ends Shopping starts October 1, 2013 Coverage Begins January 1, 2014
Key Changes • Starting in 2014, you can not be denied health coverage based on a pre-existing condition or your health history • Your health history or medical needs will not affect your ability to apply for health insurance or the cost (except tobacco use) • There will be set open enrollment periods for commercial health plans that will provide coverage for the calendar year • Oct. 1 2013 to March 31 2014 • Oct. 15, 2014 to Dec. 7, 2014 for future years • You can sign up at other times with qualifying event 12
Affordability • New resources available based on income • Medicaid will be available to many more Coloradans • Individuals earning up to about $15,000 a year • New kind of tax credit available to Coloradans who earn too much for Medicaid and up to about $45,000 a year for individuals and $94,000 a year for family of 4 • Tax credit can be used up-front or taken off taxes • Health insurance plans with lower co-pays and deductibles also available to certain individuals and families who earn too much for Medicaid 12
Income eligibility New tax credit to reduce the cost of premiums • Individual earning about $15,000 to $45,500/year • Couple earning about $21,000 to $62,000/year • Family of four about $32,000 to $94,000/year • Applied by IRS • Amount tied to cost of benchmark plan Health plans with lower co-pays and deductibles • Individuals earning about $15,000 to $28,500/year • Family of 4 earning about $32,000 to $58,500/year • Three levels of reductions based on income 12 12
Key Takeaways • Now you have more options to find quality health coverage • Connect for Health Colorado offers a broad array of health plan choices in one place • Connect for Health Colorado is the only place to access cost savings • You can get help over the phone and in-person from a statewide network of trained professionals • Sign up by Dec. 15 to have your coverage start Jan. 1; Open enrollment continues until March 31, 2014 12
Spread the Word! • Materials available on website • Request a speaker • Order brochures and other materials at our online store • Follow us on Facebook and Twitter • Refer people to website and Customer Service Center • Mobile application available in October 12
Contact • Website: www.ConnectforHealthCO.com • Email questions: Info@ConnectforHealthCO.com • Toll-free help by phone: 1-855-PLANS-4-YOU (855-752-6749) 7 am to 8 pm Monday to Saturday 12
