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Health Insurance Plans in Colorado
Shopping for coverage on your own? Open Enrollment for 2025 plans has ended. If you've had a qualifying life event you could still be eligible to get a plan during Special Enrollment.
See if plans are available in your state. See availability.
Important: Colorado Option plans provide coverage of diabetes supplies at $0 cost-sharing.
Review our Colorado Option Standardized Health Benefit Plan Coverage of Diabetic Supplies [PDF] for a complete list of diabetic supplies covered at $0 cost.*Special Enrollment for 2025 Health Insurance Plans
Open Enrollment for 2025 has ended, but you may qualify for enrollment during a Special Enrollment Period. If you want to shop for a plan now, call us at
Existing Customers:
How Cigna Healthcare supports you
Don’t just get insured. Get reassured with a Cigna HealthcareSM plan. When you enroll, you'll know that you’re covered through quality care, personalized support, and more ways to save. Let us help you get to your healthiest with a Cigna Healthcare Individual and Family plan.
Affordability
Care that’s right for you.With virtual urgent care from $0,1 $0 preventive care visits,2 $0-$3 for preferred generic prescription drugs on most plans,3 and access to our Patient Assurance Program4, the plans and programs at Cigna Healthcare make it easy for you to get affordable, quality care.
24/7 Virtual Care
Guided Customer Care
You're not alone. Get help from personalized health coaches to manage specific conditions like diabetes. My Personal Champion® can assist you with navigating the health care system during a critical situation. Or, speak to specialty pharmacists at our Therapeutic Resource Centers.
Personalized Digital Tools
Rewards and Discounts
24/7/365 Customer Service
We're by your side. Have a question about your plan? Need help finding an in-network doctor? With Cigna Healthcare, you can call any time for help with using your plan or navigating your benefits. Plus, if you have a health question, you can speak to a licensed clinician 24 hours a day.
Marketplace plan levels and features
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Bronze
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Silver
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Gold
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This plan is a good fit for people who:
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Want to keep premiums low or don’t plan on seeing a doctor often.
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Have families and/or see doctors regularly for illnesses and accidents.
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See their doctors frequently and take multiple prescription medications.
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Premium Costs
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$
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$$
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$$$
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Out-of-pocket Expenses
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$$$
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$$
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$
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Subsidy Eligibility
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Premium tax credits
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Premium tax credits and cost sharing reductions
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Premium tax credits
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How much do these plans cost?
The amount you pay monthly for your coverage (also called your premium) will vary depending on where you live, the size of your household, your income, and other factors.
Learn more about health care subsidies
Plan Documents by State
Find lists of plans available to you and state-specific plan documents—including Summaries of Benefits and Coverage, Outlines of Coverage, and Policy/Service Agreements—to get more information on your medical and dental coverage.
Manage your plan on myCigna:
Activate your myCigna account:
Visit our Knowledge Center to learn about:
Often bought together
Looking for plans through your employer?
This page features plans you can buy for yourself and your family. If you are looking for plans you might get through your employer, we can help get you there.
*To ensure consumers are adequately aware of the availability of diabetic supplies offered with $0 cost sharing, we are providing a complete list of all diabetic supplies, including the name of the item or supply that are covered at $0 cost-sharing under the Colorado Option Standardized Health Benefit Plan.
1$0 virtual care (no cost share) for eligible preventive care and Dedicated Virtual Urgent Care for minor acute medical conditions. Not available for all plans. HSA plans and non-minor acute medical care may apply a copay, coinsurance or deductible. Cigna Healthcare provides access to Dedicated Virtual Care through a national telehealth provider, MDLIVE® located on myCigna, as part of your health plan. Providers are solely responsible for any treatment provided to their patients. Virtual dermatological visits through MDLIVE are completed via asynchronous messaging. Diagnoses requiring testing cannot be confirmed. Customers will be referred to seek in-person care.
2 Includes eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Reference plan documents for a list of covered and non-covered preventive care services.
3 Health benefit plans may be different, but in general to be eligible for coverage a drug must be approved by the Food and Drug Administration (FDA), prescribed by a health care professional, purchased from a licensed pharmacy, and be medically necessary. If your plan provides coverage for certain prescription drugs with no cost-share, you may have to use an in-network pharmacy to fill the prescription. If you use a pharmacy that does not participate in your plan’s network, your prescription may not be covered or reimbursement may be limited by your plan’s copayment, coinsurance, or deductible requirements. Look at your plan documents for more information about your plan’s prescription drug coverage. In Colorado, the preferred generic prescription drug tier is not available.
4 Discounts available with the Cigna Healthcare Patient Assurance Program. $25 is the maximum out-of-pocket cost for a 30-day supply of covered, eligible insulin and some non-insulin medications.
5 The downloading and use of the myCigna Mobile App is subject to the terms and conditions of the App and the online store from which it is downloaded. Standard mobile phone carrier and data usage charges apply.
6 The Cigna Healthcare Take Control Rewards Program is available in all states to all primary subscribers that are active Cigna Healthcare medical Individual and Family Plan policy holders and who are 18 years of age or older. All rewards may be considered taxable income. Contact your personal tax advisor for details. Program participation along with redeeming rewards is dependent on qualifying premiums being current and fully paid.
7 Healthy Rewards® programs are NOT insurance. Rather, these programs give a discount on the cost of certain goods and services. The customer must pay the entire discounted cost. Some Healthy Rewards programs are not available in all states, and programs may be discontinued at any time. Participating providers are solely responsible for their goods and services.
Buying an insurance plan through a broker or agent does not change or increase your insurance plan premiums, copayments, coinsurance, or deductibles. If you are working with a broker or agent, they may be eligible to receive commissions, fees, or other compensation from Cigna Healthcare. Cigna Healthcare pays brokers or insurance agents for providing service to our members. We are sharing this with you in accordance with section 202 of the Consolidated Appropriations Act. Broker compensation information is available at www.cigna.com/ifp-broker-commission
Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna Healthcare representative.
States with Plan Availability for 2025
Plans available in AZ, CO, FL, GA, IL, IN, MS, NC, TN, TX, and VA. View county listings by state [PDF]
For available plans in all other areas, call us at
Colorado Eligibility Requirements
All applicants applying for coverage must meet age, dependent status, and residency requirements.
Age and Dependent Requirements
Other insured persons may include the following family members:
You are eligible for coverage under this Policy if, at the time of application:
- You are a citizen or national of the United States, or a non-citizen who is lawfully present in the United States, and are reasonably expected to be a citizen, national, or a non-citizen who is lawfully present for the entire period for which enrollment is sought; and
- You are a resident of the state of CO; and
- You live in the Enrollment Area in which You are applying, and intend to continue living there for the entire period for which enrollment is sought; and
- You are not incarcerated other than incarceration pending the disposition of charges; and
- You do not reside in an Institution; and
- You have submitted a completed and signed application for coverage and have been accepted in writing by Us.
Other Insured Persons may include the following Family Member(s):
- Your lawful spouse, including a partner in a civil union, who lives in the Service Area.
- Your children until the end of the plan Year in which the child reaches age 26.
- Your stepchildren until the end of the plan Year in which the child reaches age 26.
- Your own, or Your spouse's children, regardless of age, enrolled prior to age 26, who are incapable of self-support due to medically certified, continuing intellectual or physical disability and are chiefly dependent upon the Insured Person for support and maintenance. Cigna Healthcare may require written proof of such disability and dependency within 31 days prior to the end of the Year in which the child reaches age 26.
- Your own, or Your spouse's Newborn children are automatically covered for the first 31 days of life. To continue coverage past that time You must enroll the child as a Family Member by applying for his or her enrollment as a Family Member within 60 days of the date of birth, and pay any additional premium. Coverage for a newborn dependent child enrolled within 60 days of birth will be retroactive to the date of the child’s birth.
- An adopted child, including a child who is placed with you for adoption, is automatically covered for 31 days from the date of the adopted child’s placement for adoption or initiation of a suit of adoption. To continue coverage past that time You must enroll the child as a Family Member by applying for his or her enrollment as a Family Member within 60 days of the date of adoption, and pay any additional premium. Coverage for an adopted dependent child enrolled within 60 days of adoption will be retroactive to the date of the child’s placement for adoption, initiation of a suit of adoption or after the date the child is placed with you for adoption, and paying any additional premium.
- A child who is placed with you for foster care, is automatically covered for 31 days from the date of placement with you for foster care. To continue coverage past that time You must enroll the child as a Family Member by applying for his or her enrollment as a Family Member within 60 days of the date of placement with you for foster care, and pay any additional premium. Coverage for a foster child enrolled within 60 days of being placed with you for foster care will be retroactive to the date of the child’s initial placement with you in foster care and paying any additional premium.
- If a court has ordered a Policyholder to provide coverage for an eligible child (as defined above) coverage will be automatic for the first 31 days following the date on which the court order is issued. To continue coverage past that time You must enroll the child as a Family Member by applying for his or her enrollment as a Family Member within 60 days of the court order date, and paying any additional premium. Court-ordered coverage for a dependent child enrolled within 60 days of the court order will be retroactive to the date of the court order.
Please refer to the policy for additional eligibility requirements.
Residency Requirements
Must be a citizen or national of the United States, or a non-citizen who is lawfully present in the United States, and is reasonably expected to be a citizen, national, or a non-citizen who is lawfully present for the entire period for which enrollment is sought
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Disclaimer
Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.
All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna Healthcare sales representative. This website is not intended for residents of New Mexico.
La aseguradora publica el formulario traducido para fines informativos y la versión en inglés prevalece para fines de solicitud e interpretación.
The insurer is issuing the translated form on an informational basis and the English version is controlling for the purposes of application and interpretation.