Colorado Open Enrollment 2027 for Marketplace Renewals

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

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.

Unless you act, Connect for Health Colorado renews most enrollees into the same plan, or a similar one if yours is gone, at the 2027 price. Your renewal notice shows the new premium, deductible and any change in subsidy. Plans picked during open enrollment replace the renewal, and the 2027 out-of-pocket cap rises to $12,000 for one person.

Colorado this year

For 2027, Colorado's finalized average increases land between about 10 and 12.8 percent. That is milder than many states on my list, yet it stacks on top of the subsidy change. With the enhanced help gone, a Denver household of three earning past $109,280 pays sticker price. Coloradans renew through Connect for Health Colorado, the state's own exchange, and it sets its own open enrollment calendar, so check its site for this year's deadlines. Prices and networks vary widely between the Front Range, Grand Junction and the resort counties. Seasonal ski-town workers, Boulder designers and Weld County energy contractors often see very different renewals for similar plans.

One thing to do before you choose

Look at the Colorado Option plans on the exchange next to whatever you were renewed into. They are standardized, which makes side-by-side comparison easier: same benefit layout, different insurer and network. Line up your current plan, one Colorado Option plan and one plan a metal level down. If your doctors appear in all three, price becomes the tiebreaker. If you are healthy and above the subsidy line, I can add a private medically underwritten quote; it is not an exchange plan, and approval depends on your health history.

Your checklist

• Your 2027 renewal notice, read line by line
• Whether your plan is the same one or a replacement
• Doctors and prescriptions in the 2027 plan
• Last year's actual care, priced at each metal level

Private plan or Marketplace?

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.

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.