How FIRC can help: 

Health insurance is important and the Health Navigators at the Family & Intercultural Resource Center (FIRC) are here to help you sign up. 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.

The open enrollment period for the Marketplace is closed, but there is a special extension until February 29 for people who:

  • Those whose 2015 coverage was with the Colorado HealthOP
  • Those who were covered by Rocky Mountain Health Plans but are no longer in the company’s redrawn service area.
  • Subscribers of “Transition” plans, which do not meet the standards of the Affordable Care Act.”

We can also help you apply if you’ve had a Qualifying Life Changing Event within the last 60 days. Those include the following:

  • 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

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 ConnectforHealthco.com 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.

DID YOU KNOW

  • 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)