Colorado open enrollment 2027 Open enrollment · Colorado

Colorado Open Enrollment 2027 for People Over the Subsidy Line

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

Short answer

For people earning over the subsidy line in Colorado, Connect for Health Colorado sets the 2027 open enrollment dates; check its site for this year's deadlines. Above the line, a private, medically underwritten plan is priced on health instead of income, and if approved it can start the first of any month.

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.

The 2027 subsidy line is 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. One dollar over it and every Marketplace plan in Colorado is full price, at every metal level, with an out-of-pocket cap of $12,000 for one person and $24,000 for a family.

Colorado this year

Colorado's average Marketplace rates climb 10% to 12.8% for 2027, and those numbers are final. Everything is sold through Connect for Health Colorado, the state's own exchange, which also sets the enrollment calendar, so go by its posted dates rather than federal ones. Standardized Colorado Option plans sit on the shelf next to the regular ones. For a household above the subsidy line, all of them are full price. Picture a software lead and a creative director in Boulder, a Denver couple who own a design studio, or an oil and gas consultant in Weld County. Families of four earning well beyond $132,000 are common along the Front Range.

One thing to do before you choose

Colorado effectively doesn't allow traditional short-term plans. So if you're leaving a job mid-year or retiring early, line up the bridge ahead of time. One path is a special enrollment period on Connect for Health Colorado after job-based coverage ends. The other is a private, medically underwritten plan, which can begin the first of a month if approved, with no window to wait for. Its price is set by age, ZIP code and health, and it isn't an ACA plan. For a healthy couple in their late 50s, I'd price both before the last paycheck.

Your checklist

How far above the line your 2027 household income will land
The full-price Colorado premium at each metal level
Everyone's health, for a private quote
Doctors you want to keep, checked in every network

Private plan or Marketplace?

Private plan

Healthy and well above the line: priced on age, ZIP code and health instead of earnings. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care, or income you can bring back under the line: Connect for Health Colorado must accept you, and below the line the subsidy returns.

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.

We earn too much for help. Are Colorado Option plans still worth comparing?

Yes, the same as any other plan on Connect for Health Colorado, since at your income every one of them is full price. The standardized designs make side-by-side reading easier. I'd add a private plan to the comparison as well. It's priced on health instead of income, approval depends on your answers, and its benefits vary by plan.

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.