I’m moving to Colorado in a couple of months and need help navigating healthcare options as an independent contractor. I’m 26, generally healthy except for mild asthma, and I want coverage that lets me visit a doctor and dentist affordably.
Here are my main questions:
What are the most affordable options for health insurance in Colorado?
Should I arrange for coverage before I move or wait until I’m there, even if that means a lapse?
How does open enrollment work, and can I still get insurance if I miss it?
I’d really appreciate any advice or tips as this process is very overwhelming.
You’re navigating a big change! Remember, open enrollment for the ACA starts in November for plans effective the next year. If you’re moving to another state, this qualifies as a special enrollment period (SEP), letting you sign up for coverage outside of the open enrollment window. Good luck with the move!
Check healthcare.gov and enter the zip code of your new address in Colorado to explore available plans. Moving to a new state counts as a qualifying life event, so you’ll be eligible to sign up for coverage when you arrive. Plan ahead to minimize any lapse in coverage.
InsuranceInsider said: @Charlie
Thanks! I’ll check out the plans. I’m currently on MassHealth, so I’ll have to switch over once I move. This helps a lot.
Since you’re on MassHealth, switching to Colorado’s marketplace should be straightforward. Start researching the plans now, so you can enroll quickly after your move. Good luck!