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Open Enrollment Period Begins to Protect Your Health

CONNECT FOR HEALTH COLORADO OFFERS EXPERT HELP

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The Open Enrollment period begins on November 1, marking the only time of year when you can obtain or change your health insurance without needing a qualifying life event. This process, which can seem complicated, becomes much easier when you have professional support. In Colorado, that help comes from Connect for Health Colorado (C4HC), the state’s official health insurance marketplace, which offers free guidance in multiple languages for the entire community.

The certified brokers and community assisters from C4HC are trained to guide you through every step of the enrollment process. These experts help you understand your coverage options, determine whether you qualify for financial assistance, and learn how to use your plan once you are enrolled. Thanks to their support, many families have reduced their monthly costs and obtained insurance that better fits their medical needs.

Prepare in advance

Before Open Enrollment begins, it is wise to get ready ahead of time. Gather all essential information for yourself and the members of your household. You will need full names, birth dates, Social Security numbers, and proof of citizenship or legal residency. You should also have the information necessary to calculate your annual income, since this figure determines whether you qualify for tax credits or cost-sharing reductions.

The next highly recommended step is to review your current coverage. You should analyze with the expert assisting you whether your existing plan still meets your needs. Be aware that there may be changes to benefits for 2026. You should also consider that new medical needs might arise, such as treatments or medications. If you want your coverage to take effect on January 1, 2026, you must complete your enrollment before December 15, 2025.

Check if you qualify for financial help

Even if you did not qualify for financial assistance in previous years, it is worth checking again this time. You should at least try to find out whether you now qualify. The experts at C4HC will help you explore available federal and state programs that could reduce your medical expenses. Additionally, if you are comfortable using digital tools, you can access the Estimate & Explore feature, which allows you to compare plans and estimated costs before Open Enrollment begins.

Having health insurance provides you with financial peace of mind. At the same time, coverage gives you access to preventive care and quality medical services. Consider what it would mean to face a medical procedure or an emergency using only your own resources and without the support of health insurance. C4HC is available before, during, and after Open Enrollment to help you find the ideal coverage for you and your family.

For free and personalized assistance Visit connectforhealthco.com

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Open Enrollment Period Begins to Protect Your Health

Five key steps to get ready before Open Enrollment with Connect for Health Colorado

1. Gather your household and income information. Have ready the names, birth dates, Social Security numbers, and income proof for everyone in your household who will be covered.

2. Review your current coverage. Check if your existing plan still meets your needs or if changes are needed for the coming year.

3. Check your eligibility for financial assistance. You might qualify for subsidies or cost-sharing reductions even if you didn’t before.

4. Preview available plans early. Use Connect for Health Colorado’s online tool to compare plans and estimated costs ahead of time.

5. Plan for your first premium payment. Make sure you have the funds ready to pay your first premium, so your coverage activates on time.