Colorado open enrollment 2027 Open enrollment · Colorado

Colorado Open Enrollment 2027 for People Between Jobs

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For people between jobs in Colorado, Connect for Health Colorado sets the 2027 open enrollment dates; check its site for this year's deadlines. If you are healthy, a private, medically underwritten plan is another route that ignores the calendar: if approved, it can start the first of any month, right after your job coverage ends.

What 2027 looks like for you

Colorado's average 2027 rate change is 10% to 12.8% (finalized). The details are on the Colorado 2027 premium increase page.

Losing job-based coverage opens a 60-day special enrollment period, and open enrollment runs at the same time this fall, so most people between jobs have two doors open at once. Federal COBRA, where it applies, lasts up to 18 months at up to 102% of the full premium. Any Marketplace subsidy depends on your 2027 household income, with the line at $63,840 for one person and $86,560 for two.

Colorado this year

Colorado's finalized 2027 increase is about 10 to 13 percent, under the roughly 15 percent national figure, while small-group renewals climb roughly 14 percent. For a software contractor in Denver or Boulder, or a ski-town worker whose season ended, Colorado law says an insured group plan must make 18 months of continuation available to anyone with six months on it. The employer owes written notice within 10 days, and you get 30 days to elect. Coloradans buy Marketplace plans on Connect for Health Colorado, a state-run exchange, rather than HealthCare.gov, and losing job coverage opens a 60-day window there as well.

State continuation in Colorado: Colorado requires insured group plans to offer 18 months of continuation after at least six months of coverage, with the employer giving written notice within 10 days and the employee electing within 30 days.

One thing to do before you choose

Set two calendar reminders: the 30-day Colorado election deadline counted from your employer's notice, and 60 days from the day group coverage ended. Before either passes, price your household on Connect for Health Colorado with a 2027 income figure that includes any severance paid next year. Dollar increases vary a lot between Denver and mountain resort counties, so quote with your actual ZIP code.

Your checklist

The exact date your job coverage ends, in writing
Your COBRA notice and its election deadline
Severance and final pay in your 2027 income estimate
A private quote while COBRA is still in reserve

Private plan or Marketplace?

Private plan

Healthy and between roles: priced on age, ZIP code and health, with COBRA kept in reserve. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing treatment, or a year of lower income: Connect for Health Colorado must accept you within the 60-day window or during open enrollment.

Compare Colorado plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including Colorado. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

Who sets Colorado's 2027 open enrollment deadline?

Connect for Health Colorado, Colorado's own exchange. Check its site for this year's dates before you plan around them.

I worked a seasonal job in a Colorado ski town for five months. Do I get state continuation?

Probably not, because Colorado's rule needs six months of coverage on an insured group plan. Ask whether federal COBRA applies, which depends on the employer having 20 or more employees. Either way, the end of that coverage lets you enroll through Connect for Health Colorado outside open enrollment, and a private plan is another option to price.

Can I get a private plan in Colorado after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for Colorado

Official source: Connect for Health Colorado. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.

Written by Frank Caballero, licensed health insurance broker in Colorado and 30 other states, NPN 21032307. Last updated November 3, 2026.