Straight answers to the health insurance questions we hear most

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  Small business

  ICHRA, QSEHRA or a group plan for 5 to 20 people in Northern Colorado

  Three ways a small business can help its people with health insurance, and which one fits a team of 5 to 20 depends more on who they are than on what the business can spend.

  Evan Vaughn · 3 min read

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  Colorado alert

  Lawfully present in Colorado? Your financial help may change in 2027.

  A federal change limits marketplace financial help to fewer immigration statuses starting January 1. Who it reaches, who it doesn't, and what to do during Open Enrollment.

  Evan Vaughn · 2 min read

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  Colorado alert

  Your 2027 health plan renews itself this year. Check what it renewed into.

  Connect for Health Colorado renews most plans automatically by November 1. A notice arrives in late October, and what it says decides whether you need to do anything.

  Lexi Abbott · 2 min read

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  Enrollment deadlines

  Annual Enrollment starts October 15. Read your plan's letter first.

  From October 15 to December 7 you can change Medicare Advantage and Part D plans for 2027. Most people let their plan renew. Here is what to check first.

  Tina Price · 3 min read

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  Colorado alert

  If your Medicare plan sends you a letter this fall, keep it

  A canceled Advantage plan opens a door into Medigap that Colorado otherwise keeps shut. The window is six months, not 63 days, and the letter is the proof you need to walk through it.

  Tina Price · 3 min read

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  Colorado alert

  Cigna is leaving Colorado, and 40,853 people cannot auto-renew

  Cigna stops selling individual plans in Colorado after this year, on and off the exchange. If you are one of them, doing nothing is the one option that does not work.

  Kara Donahoe · 3 min read

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  Medicare

  Does Colorado have a Medigap birthday rule?

  Several states let you switch Medigap plans once a year with no health questions. Colorado is not one of them, and the advice written for those states will cost you here.

  Tina Price · 3 min read

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  Medicare

  Turning 65 while you're still working — what you have to do

  Usually less than you think, and the exceptions are expensive. The number that decides it is one most people never think to ask about.

  Tina Price · 2 min read

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  Enrollment deadlines

  The seven-month window, and why October birthdays trip people up

  Your Initial Enrollment Period is not the seven months after your birthday. Which month you sign up in changes when coverage starts, sometimes by more than you planned for.

  Tina Price · 2 min read

We publish when a deadline is coming or a rule changes in Colorado — not on a schedule.