About Health Insurance in Colorado

Residents of Colorado have many great companies to choose from when it comes to health insurance, and the rates tend to be a bit more affordable than other areas in the US. The reliable and long standing support of Anthem Blue Cross Blue Shield, Cigna, Humana, UnitedHealth One, and Kaiser Permanente are some of your options available.


  • Total Population: 4,979,600
  • Total Uninsured Population: 688,700 (16%)
  • Typical Cost of Inpatient Hospital Visit Per Day: $2,190
  • Average State Premium for Individual Health Insurance: $194

Information provided by Kaiser Family Foundation, 2010.

Choosing a Plan in Colorado

East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above, or for extra assistance you can speak with one of our experts finding the best rates for you over the phone at 888-803-5917.


Colorado Health Insurance Market & Laws

Colorado does not have very many health insurance laws, though the ones in place are important to be aware of. They follow the guaranteed renewability provision, so any policy-holder who meets their premiums and has no violations is able to renew the same plan.

Pre-existing condition laws are more in favor of the patient in Colorado, with a maximum exclusion period of 12 months. After one year, the insurer pays for the medical treatment of the illness. The state of Colorado considers a pre-existing condition an illness diagnosed or treated in the 12 months before enrolling in the policy.

Also, treatment of a pre-existing condition during the exclusion period can be paid for using credit from your previous coverage. When changing insurance companies, be sure to acknowledge your standing with the your previous insurance company. If you had no breaks in coverage and were able to meet payments, this should qualify as credit toward your pre-existing condition under the new plan.

Insurance companies

Medical insurance companies in Colorado are required to continue your benefits, and it is illegal for them to terminate your plan on the basis of acquiring an illness.

Your health status does determine the amount you will pay for medical insurance in Colorado. Insurance companies have no limit in what they can charge, and they can choose the services they decide to cover and not to cover. They also have the ability to deny you coverage based on your health and age.


For Colorado residents, health insurance is required to cover the following medical expenses:

  • Breast and prostate cancer screenings
  • Care for women during and after pregnancy
  • Immunizations for children
  • Same coverage for physical and mental health care
  • Care for diabetes-related illnesses

For more detailed information, please visit the Department of Regulatory Agencies: Colorado Division of Insurance site.



1.Kaiser Family Foundation, “Colorado – State Health Facts”.

2. Health Insurance In-Depth, “Health Insurance Regulations State-by-State”.

3. Colorado Division of Insurance. “Understanding Health Insurance in Colorado”.