What's Next

Once the deadline passes, what are your options between February 16th - October 31st, 2015?

  • Coloradans can apply for Medicaid and Child Health Plan Plus (CHP+) at any point during the year. These public programs do not have an open enrollment period.
  • Starting February 16th, you may enroll through Connect for Health Colorado if you experience a qualifying “Life Change Event” such as:
    • Moving to Colorado
    • Loss of an existing qualified health insurance plan
    • Changes in family size (i.e. adoption, death, marriage, birth)
    • Change in income (increase or decrease)

Special Enrollment Period Allows Enrollment Outside of the Open Enrollment Period

Situations that may allow you to shop for a new plan or change an existing plan Situations that may allow you to make changes to your existing coverage
You got married or were legally united through a civil union or domestic partnership Your household size has gotten smaller
Your family grew through birth or adoption One of your dependents is no longer eligible for coverage under your health insurance plan because he/she is turning or has turned 26
Your tribal status changed
Your legal residence changed    
You were incorrectly or inappropriately enrolled in a health plan for some reason that is not due to an error or omission on your part
Your income changed enough to impact your eligibility or amount of financial assistance
Your health insurance carrier violated its contract with you

What life change events need to be reported?

Anything that impacts family size, income or financial assistance eligibility, such as:
  • Marriage/Civil Union
  • Divorce/legal separation
  • Birth/adoption
  • Pregnancy status change
  • Death of spouse/dependent
  • Dependent child no longer eligible
  • Increases/decreases of income of 10% or more
  • Loss/gain of Minimal Essential Coverage
  • American Indian/Alaskan Native status change
  • Change in residence resulting in new plan options
  • US citizenship/lawful presence status change
  • No longer incarcerated

Who needs to report life change events?

  • Consumers who are already insured through Connect for Health Colorado and need to make changes
  • Current Marketplace enrollees who do not have help with costs but whose Life Change Event will allow them to apply for help with costs
  • New applicants whose Life Change Events allows them to enter the Marketplace to access health insurance

What are the timeframes for reporting, making changes if allowed and coverage effective dates?

  • If you have a health plan through the Marketplace, changes must be reported within 30 days
  • If your household has a health plan through the Marketplace AND Medicaid/CHP+, you MUST report changes on Life Change Event form AND to the State through the County Office or online through PEAK within 10 days of any changes
  • If reported change results in a Special Enrollment period, you will have 60 days from the date of the life change event to make a plan change
  • For births/adoption – the coverage effective date is the date of the birth
  • Effective dates for any changes other than birth/adoption are effective the 1st of the month following the reported event

In-person assistance with a Health Coverage Guide in Boulder County is available year-round.

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