Straight answers to the health insurance questions we hear most

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  Individual & Family

  What changed for Colorado health insurance shoppers in 2027

  The enhanced federal subsidies expired and the 400% cliff is back. Colorado built its own layer on top, and most national coverage has not caught up to that part.

  Kara Donahoe · 3 min read

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  Costs & subsidies

  Why your Medicare premium is higher than your neighbor's

  Same plan, same doctors, different Part B bill. It is usually IRMAA, it is based on a tax return from two years ago, and sometimes it is fixable.

  Kara Donahoe · 2 min read

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  Costs & subsidies

  There is now a ceiling on what you pay for prescriptions

  Part D has an annual out-of-pocket cap. Once you hit it, covered drugs cost you nothing for the rest of the year — and a lot of people it applies to have not heard.

  Lexi Abbott · 3 min read

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  Enrollment deadlines

  Your one do-over if you picked the wrong Advantage plan

  A second window runs January 1 to March 31 for people already on a Medicare Advantage plan. It is genuinely useful, and there is a catch on the way back to Medigap.

  Tina Price · 2 min read

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  Individual & Family

  Self-employed? How to build a subsidy income number you can defend

  The premium tax credit asks you to estimate a year's income before it has happened. Here is how to build that number instead of guessing at it.

  Kara Donahoe · 2 min read

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  Enrollment deadlines

  What happens if you miss Colorado's open enrollment window

  Less than you fear, usually. A qualifying life event reopens the door, and there is more on that list than most people realize.

  Kara Donahoe · 2 min read

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  Individual & Family

  The same plan, bought in the wrong place, costs you thousands

  The plan can be the same on and off the exchange. Financial help is not. Buying direct from a carrier by accident is one of the most expensive easy mistakes in this process.

  Lexi Abbott · 2 min read

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  Medicare

  Medicare and Medicaid together, and the help most people miss

  If you have both, or nearly qualify for both, there is assistance with premiums and prescription costs that a lot of people never apply for.

  Lexi Abbott · 2 min read

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