How FIRC can help: 

Health insurance is important and the Health Navigators at the Family & Intercultural Resource Center (FIRC) are here to help answer your questions and help you determine what plans are right for you and your family. The insurance system is hard to understand, but we can walk you through the process and make it much easier. You probably even qualify for a discount.


FIRC provides free assistance to help you enroll in health insurance through the Colorado Marketplace. Enrollment is open November 1-January 31. People must have qualified health insurance coverage by January 31 in order to avoid a significant 2017 tax penalty.  If you are enrolled by December 15, your coverage will start January 1.

FIRC is offering Walk-in Enrollment Events from 9 a.m.-5 p.m. on the following dates:

Wednesday, November 2 — FIRC Office Silverthorne

Thursday, November 17 — FIRC Office Breckenridge

Thursday, December 8 — FIRC Office Silverthorne

Monday, December 19 — FIRC Office Breckenridge

Thursday, January 12 — FIRC Office Silverthorne

Monday, January 23 — FIRC Office Breckenridge

Monday, January 30 — FIRC Office Breckenridge


  • FIRC is offering appointments at the FIRC Offices in Breckenridge and Silverthorne, Summit Community Care Clinic and St. Anthony’s Hospital. Visit to make an appointment.

If you don’t have health insurance in 2017, you’ll pay a minimum of $695.

  • Contact FIRC to speak with a health navigator about renewing your current plans or new options that are available.

The open enrollment period for the Marketplace is closed, but if you have a qualifying life changing event within the last 60 days, you can enroll in new coverage.

Qualifying life changing events include:

  • Marriage or civil union
  • Birth or adoption
  • Turning 26 years old or loss of dependent coverage from parents/guardians
  • Loss of insurance coverage through your job
  • Moving to Colorado
  • Change of residence (if moving out of a service area)
  • Gain or loss of eligibility for the tax credit or cost sharing reduction
  • More Information

FIRC’s Health Navigators can help you determine your income, which can be especially difficult if you have multiple or seasonal jobs. Once we estimate your income, we can help you determine if you qualify for a discount on your plan.

You are welcome to try to enroll on your own through or try to determine if you can get a discount on the Colorado Peak website, but if you get confused, give us a call. We are happy to provide free confidential support.

The Marketplace is a tool to help locals avoid financial downfalls due to medical bills. FIRC’s health coverage guides can help people and small businesses understand what is available, compare plans, understand what people are buying and ultimately avoid future bills that lead to bankruptcy.

Connect for Health Colorado , is an online health insurance Marketplace for Coloradans who don’t get insurance through work and need to buy their own health insurance.  For many with lower incomes, discounts on the insurance plans are available under the Affordable Care Act (Obamacare) to those who qualify.  FIRC has trained, certified Health Coverage Guides who can help local residents navigate through the sometimes complex process of choosing a health insurance plan and determining eligibility for discounts on the insurance premiums.

You can enroll directly through the Connect for Health Colorado site, but FIRC is here to help if you need assistance.


  • Many people qualify for discounts on plans
  • Insurance plans have to cover medical services, free annual visits and mental health services
  • Even if you have a pre-existing condition, you can still get insurance
  • If you don’t have health insurance by January 31, you will have to pay at least $695 in taxes – there goes your refund
  • Seasonal jobs make it difficult to determine your income, but Health Navigators can make the process easier.
  • If you DON’T get insurance between November 1-January 31, you cannot enroll for insurance until November of 2016. The only way you can enroll after January 31 is if you have a “Qualifying Life Change” such as a new job, turning 26, birth of a child, etc.
  • Depending on your income, you may qualify for Medicaid or your children may qualify for CHP+. FIRC can assist with enrollment into those programs as well.

Insurance is difficult to understand. FIRC’s goal is to help you understand what you are buying in a health insurance plan and empower you as a consumer. Here are some links to give you more information if you are trying to move forward on a plan by yourself.

Insurance Terms

Estimate the cost of a plan with the Subsidy Calculator

Tips on choosing insurance

How does the tax penalty work if I don’t have insurance?

Items to Bring to your Appointment (please bring as much as possible)

  • Social security card for all dependents, spouse, and applicant
  • If you are not able to bring a physical copy of the card(s), please know all social security numbers and how names are written on the cards
  • Driver’s License numbers for all applicants
  • Documentation of immigration status (if applicable)
  • Documentation of any other income you receive (pension, retirement, investments, child support, etc.)
  • Information about any job-related insurance you or your family may be eligible for
  • List of all current prescription drugs (if applicable)
  • List of all current medical providers (if applicable)
  • Pay stubs of all dependents, spouse, and applicant (last the last three months if possible)
  • 2014 Tax Return (if possible)
  • W-2 forms (if self-employed, you should bring your W-9 form)