Understanding health insurance can be difficult. FIRC can help.

If you qualify for a life changing event, FIRC’s Health Navigators can help you determine if you qualify for plan discounts and what options work best for your lifestyle. A little guidance can make a big difference.

Did you just lose your job? We can help you apply for Medicaid.

  • Medicaid offers free monthly premiums and low-cost coverage. Many people’s jobs have been affected by the COVID pandemic. Please contact FIRC and we can help you get Medicaid coverage.

How FIRC can help: 

Health insurance is important and the Health Navigators at the Family & Intercultural Resource Center (FIRC) are here to provide free assistance, 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.

OPEN ENROLLMENT UNTIL APRIL 30. Coverage starts May 1.

There are a lot of changes for health insurance in Summit County for 2020. Please see our questions and answers below to help guide some of your decisions.


What is Peak Health Alliance?

Peak Health Alliance is a nonprofit purchasing collaborative that works to improve health insurance affordability in Summit County. Bright Health will be the carrier that backs Peak Health Alliance products. Peak Health Alliance projects a 41% average decrease in their plans. Check out their website for more information: https://peakhealthalliance.org/  or email info@peakhealthalliance.org


What if I’m currently enrolled in Medicaid or CHP?

There is never a deadline to apply for Medicaid or CHP. Annual redeterminations typically are one year after you apply, so your redetermination may not fall during Open Enrollment. If you are enrolled in Medicaid or CHP, you should continue to check and open any mail you receive. Remember you must report any change in income within ten days.

Report your income online at home: https://coloradopeak.secure.force.com/

Have a FIRC Health Navigator guide you: call 970-262-3888


What if I’m currently uninsured and want to check out my health insurance options?

If you are currently uninsured, this is a great year to check out your options. Come to FIRC to talk with an expert about financial assistance, networks, and find a plan that is right for you!

Call 970-262-3888


What options do I have to make my health insurance premium more affordable?

Financial assistance, such as an advanced premium tax credit, is available for income eligible individuals if you purchase your plan through Connect for Health CO. A single individual making up to $48,000 gross annual income qualifies for a tax credit! You might be surprised at what you qualify for.


If you earn more income than is allowed to receive a tax credit, full price plans are available on or off marketplace, and are projected to be the most affordable they have been in Summit County in over 7 years. We encourage you to take a look!


Check out my options online at home: https://prd.connectforhealthco.com/individual

Have a FIRC Health Navigator guide me: call 970-262-3888


Life Change Events

Enrollment is open year round if you experience a qualified life changing event such as getting married, having a child, losing insurance through your job or turning 26, please contact us and we can help you enroll in a plan. You have up to 60 days to enroll in a new plan after this life change. Enrollment for Medicaid and CHP+ is open year-round as well.

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.

  • FIRC is offering virtual phone appointments.


  • Over 90% of the people FIRC helped enroll last year qualified 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
  • Seasonal jobs make it difficult to determine your income, but FIRC’s Health Navigators can make the process easier.


Many people qualify for plan  discounts.  Insurance companies may no longer deny you do to pre-existing conditions.
Yearly income limits for premium discounts

If your income is too high and you don’t qualify for a discount, it’s much easier to shop plans.

Here are the steps:

1.       is your household income above the guideline for APTC? (see attached sheet).

2.       If yes, you do NOT qualify for financial assistance. See if you can complete your enrollment from home before coming to FIRC.

3.       Login to your account or create an account here: https://connectforhealthco.com/

4.       Click “Apply for 2020”

5.       Fill out your household information completely.

6.       Select that you do not want to apply for financial assistance.

7.       Sign your application and press “continue”

8.       Your application is complete and you should now be able to view your plan options, and enroll.



2018 Insurance Example Rates – Summit County
Family Size  Household Income Age Federal Poverty Level  Monthly Premium – Bronze Plans
1  $                               16,152 25 Medicaid  $                                    –
1  $                               35,000 35 260%  $                                 110
1  $                               47,000 40 399%  $                                 212
1  $                               49,000 40 401+%  $                                 452
1  $                               49,000 60 401+%  $                                 961
2 – single parent  $                               21,900 35 Medicaid  $                                    –
2 – single parent  $                               42,000 35 260%  $                                 27
2 – single parent  $                               64,000 35 399%  $                                 254
2- single parent  $                               68,000 35 401%  $                                 800
2 – adults  $                               21,900 35 Medicaid  $                                    –
2 – adults  $                               42,000 35 260%  $                                   88
2- adults  $                               64,000 35 399%  $                                 309
2- adults  $                               65,000 35 401+%  $                                 839
3  $                               27,648 35 Medicaid  $                                    –
3  $                               53,000 35 260%  $                                   95
3  $                               80,000 35 399%  $                                 360
3  $                               85,000 35 401%+  $                             1,140
4  $                               33,384 35 Medicaid  $                                    –
4  $                               70,000 35 260%  $                                 195
4  $                               98,000 35 399%  $                                 454
4  $                            102,000 35 401+%  $                             1,364
5  $                               39,132 35 Medicaid  $                                    –
5  $                               73,000 35 260%  $                                 107
5  $                            110,000 35 399%  $                                 489
5  $                            120,000 35 401%  $                             1,660
** Rates will vary depending on age
** The tax penalty for not having insurance is 2% of your income

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.

You may qualify for a discount on your plan. Information about PEAK.



Starting in 2019, there was no requirement for individuals to have a Qualified Health Plan or pay a penalty.  You will no longer be penalized for not having health insurance, but FIRC still recommends you have coverage to protect the health and financial future of you and your family. Broken bones, disease and other chronic conditions aren’t political, but can happen at any time. And, in some cases, are preventable if you have access to care and health insurance.

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.


  • If you are enrolled by December 15 your coverage will start January 1
  • 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
  • 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 15, 2020 you cannot enroll for insurance until November of 2020. The only way you can enroll after January 15 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?


Appointments with FIRC Health Navigators are currently virtual. Please call the front desk at 262-970-3888 to schedule an appointment.

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)
  • 2018 Tax Return (if possible)
  • W-2 forms (if self-employed, you should bring your W-9 form)