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For Individuals

We offer many individual health plans options to select from. We offer plans that are customized to suit your budget and needs. You can choose from a pool of affordable insurance options from top carriers in the country. With individual insurance, you can access preventative health care and save money on prescriptions and doctor’s visits. Get a customized individual health insurance plan in just a few clicks!

For Families

Finding the right insurance for your family is one of the most important decisions you can make. We offer a wide range of affordable insurance plans from leading insurance firms from which you can choose. Finding the ideal family insurance plan for your loved ones does not have to be complicated. We offer customized quotes that suit your family needs and budget. Fill in the form to get your customized quote!

For Groups

Health Insurance Plans offers a wide array of group health insurance options for both small and large companies. We customize our products to meet the needs of your business and help you find an insurance plan that is both cost effective and prioritizes the wellbeing of your employees. Make the most of the numerous, affordable and top group health insurance plans. Get your quote from Health Insurance today!

Insurance Costs in Colorado Explained

How much will I pay?

Factor Affecting Affordable Health Insurance in Colorado

Two factors determine the cost of a year of healthcare insurance.

Two things determine how much you will pay for a year of healthcare, when thinking about affordable health insurance in Colorado.


Think of the health insurance premium as your monthly bill – the amount you must pay your insurance company on-time each month. It keeps your insurance active and helps cover the cost of services included in your plan – like the preventive services.

Out-of-Pocket Costs (costs when you receive healthcare)

Cheap health insurance in Colorado is designed to share costs and with you when you get healthcare or prescriptions. These shared costs come in two forms—copayments (or copays) and coinsurance. When these costs apply depends on the deductible and out-of-pocket maximum.

These shared costs come in two forms:

Copayments (or copay)

A fixed amount – $10 for example – you owe for a medical visit or prescription that is covered by your cheap health insurance plan in Colorado. It is usually due when you receive the service.


A percentage of the costs – 30% for example – you owe for a medical visit or prescription that is covered by your health plan. You will receive a bill for this after you receive the service.

When These Costs Apply Depends on Two Key Details of Your Plan

  • Deductible: The amount you have to spend on covered healthcare services and prescriptions before your health insurance company begins to pay a percentage of your bills.
  • Out-of-pocket maximum: The most you’d ever have to pay for covered services and prescriptions in a plan year.

How to Choose the Best Plan

Consider both the Monthly Premium and the Yearly Cost Estimate

To find the most affordable health insurance plan in Colorado, it helps to consider more than just your monthly premium. Other parts of the plan can affect how much you pay for healthcare during the year. The plan with the lowest premium may not be the cheapest plan after you add up all the other costs you have. Our Quick Cost and Plan Finder tool allows you to compare both monthly premiums and the yearly cost estimates based on the information you provide.

Stay in Network

Select a plan that includes your doctor as “in-network” (covered) at the location you prefer.  If you go to a doctor or facility out of network, you will likely be charged the full bill, and those costs will not count toward your deductible or out-of-pocket max.

Consider Generic Medications

Choosing the Best Health Insurance in Colorado

Choosing generic medications make it possible to get cheaper health insurance plans in Colorado.

Ask your doctor if they recommend taking the generic version of a medication you are taking. Generic medications cost less and are covered by a larger number of plans which means you have more options.

Did You Know?

Your gender and pre-existing conditions do NOT impact your premium amount, thanks to the Affordable Care Act. Your premium amount is based on your age, location, plan category (Bronze, Silver or Gold) and tobacco use.

Keep in Mind

Premiums do NOT count toward your deductible or your out-of-pocket maximum.
Copays do not count toward your deductible, but they DO count towards your out-of-pocket maximum. Services that are delivered by out-of-network providers or are not covered by your plan benefits, do NOT count towards your deductible or out-of-pocket maximum.

 Tip: Plans with a lower monthly premium have higher costs for prescriptions and healthcare at the time of care.

Resources and References:

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(833) 572-0898


What our
Client Think About Us!

The process was easy and seamless. My contact person was very supportive and patient with me. He took time to respond to all my queries, and explained the options at my disposal. I got all the information I needed to choose and sign up for my current insurance plan. I would definitely recommend National Health Connect!
Linet W.