FIRC Health Insurance Enrollment

Understanding health insurance can be difficult. FIRC can help.

Marketplace open enrollment is November 1, 2017-January 12, 2018. FIRC’s Health Navigators can help you determine if you qualify for plan discounts and what options work best for your lifestyle. Make an appointment online or call for an appointment. A little guidance can make a big difference. IF YOU ARE ENROLLED BY DECEMBER 15 YOUR COVERAGE WILL START JANUARY 1.


The Marketplace in Colorado is different than the national exchange, which is why you have until January 12 to get enrolled. Obamacare has NOT been repealed. You still need to have health insurance.

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.


While the future of the Affordable Care Act is debated in Washington, D.C., you may be asking yourself “Do I still need health insurance?”

The answer is “YES!” What remains constant and true is that it is important 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. Join the thousands of Coloradans who already signed up for 2017 health insurance and, if you qualify, take advantage of the financial assistance to help you afford coverage.


  • 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 12, you will have to pay 2% of your annual income – there goes your refund
  • Seasonal jobs make it difficult to determine your income, but FIRC’s Health Navigators can make the process easier.

OPEN ENROLLMENT IS OPEN NOVEMBER 1, 2017-JANUARY 12,  2018. If you need insurance or if you need to renew or enroll in a plan, you must enroll during this time frame.

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.

  • FIRC is offering appointments at the FIRC Offices in Breckenridge and Silverthorne and Summit Community Care Clinic.
  • Make an appointment to speak with a health navigator about renewing your current plans or new options that are available.

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.


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

discount diagram

Family Size Household Income
1 less than $48,241
2 less than $64,961
3 less than $81,681
4 less than $98,401


2018 Insurance Example Rates – Summit County
Family Size  Household Income Age Federal Poverty Level  Monthly Premium – Bronze Plans
1  $                               16,000 25 Medicaid  $                                    –
1  $                               35,000 35 260%  $                                 103
1  $                               47,000 40 399%  $                                 275
1  $                               49,000 40 401+%  $                                 454
1  $                               49,000 60 401+%  $                                 931
2 – single parent  $                               21,000 35 Medicaid  $                                    –
2 – single parent  $                               42,000 35 260%  $                                 130
2 – single parent  $                               64,000 35 399%  $                                 350
2- single parent  $                               65,000 35 401%  $                                 715
2 – adults  $                               21,000 35 Medicaid  $                                    –
2 – adults  $                               42,000 35 260%  $                                   86
2- adults  $                               64,000 35 399%  $                                 307
2- adults  $                               65,000 35 401+%  $                                 875
3  $                               27,000 35 Medicaid  $                                    –
3  $                               53,000 35 260%  $                                   95
3  $                               80,000 35 399%  $                                 360
3  $                               85,000 35 401%+  $                             1,140
4  $                               32,700 35 Medicaid  $                                    –
4  $                               70,000 35 260%  $                                 189
4  $                               98,000 35 399%  $                                 450
4  $                            102,000 35 401+%  $                             1,420
5  $                               38,280 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 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.

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 12, 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 12, you cannot enroll for insurance until November of 2018. The only way you can enroll after January 12 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 in Breckenridge

Appointments in Silverhtorne


Appointments with FIRC Health Navigators are available at our Breckenridge and Silverthorne office locations.

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)