Colorado Open Enrollment 2027 for Individuals
Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker
Short answer
For individuals and couples buying their own coverage in Colorado, Connect for Health Colorado sets the 2027 open enrollment dates; check its site for this year's deadlines. A private, medically underwritten plan works on its own clock: if approved, it can start the first of any month, whether or not the window is open.
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.
For 2027 the subsidy line is $63,840 for one person and $86,560 for a couple; above it, every metal level is full price. Bronze and catastrophic plans count as HSA-eligible starting with 2026 coverage, and the 2027 out-of-pocket cap is $12,000 for one person, which is the real worst case to compare.
Colorado this year
Coloradans buying alone or as a couple renew on Connect for Health Colorado, the state's own exchange, which runs its own calendar. Finalized 2027 rates rise roughly 10 to 13 percent, below the national average, helped by a state reinsurance program and public-option rules. Where you live still shapes the bill: mountain resort counties have historically carried some of the steepest premiums in the country, and networks thin out quickly once you leave the Front Range. Colorado has also funded extra help for some buyers who miss the federal subsidy, so a one-person household earning above $63,840 should check before assuming full price.
One thing to do before you choose
Ski instructors, raft guides and other seasonal workers in mountain towns should write down every month of expected 2027 income, including the slow shoulder seasons, before updating the application on Connect for Health Colorado. A strong winter alone can push a solo estimate past the subsidy line. If you split time between Denver and a resort county, check each plan's service area too, since coverage that looks fine in town may offer little up the canyon.
Your checklist
- Each plan's network type in your Colorado ZIP code
- The out-of-pocket maximum next to the premium
- Your 2027 income against the one- or two-person line
- Bronze with an HSA if you rarely need care
Private plan or Marketplace?
Private plan
Healthy single adults or couples above the line: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.
Marketplace
A health condition or income under the line: Connect for Health Colorado must accept you, and the subsidy can lower the price.
Compare Colorado plans this open enrollment
Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.
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 earn a bit over the federal subsidy line in Denver. Is there any Colorado help left for me?
Possibly. Colorado has run state-funded programs for some buyers who do not qualify for federal subsidies, and eligibility rules shift from year to year. Look up the current options on Connect for Health Colorado before deciding. Also compare plans across your region carefully, because the same coverage can rise by very different amounts in Denver and in a resort county.
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
- Colorado open enrollment 2027: dates and options
- Colorado open enrollment for self-employed
- Colorado open enrollment for families
- Colorado open enrollment for early retirees
- Colorado open enrollment for small business owners
- Colorado open enrollment for people between jobs
- Colorado open enrollment for people over the subsidy line
- Colorado open enrollment for marketplace renewals
- Private health insurance in Colorado
- Colorado health insurance quotes
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.