Affordable Care Act

If you haven’t yet, now’s the time to join more than 20 million Americans in getting health insurance. Lots of health plans are still out there and one (or more) may be perfect for you. On-line tools can help you compare plans, see if you’re eligible for some help in paying for your insurance plan or if the public health insurance Medicaid is something you can use. Private health plans bought on the health exchange have specific  windows of time that you can enroll. The next one coming up for most states is November 12 – December 10, 2018 (in Colorado you actually have from November 1, 2018 – January 15, 2019). Medicaid enrollment is year round. If you have recently moved to a new state, lost insurance through your job, got married or had a baby, turned 26, or some other special circumstances, you can enroll in plans now.


The simple fact is that health insurance has a place for everyone, no matter how healthy you are today. You never know when you might get sick or injured. If you’re uninsured, you’ll have to pay the full cost out-of-pocket to get well. Even common illnesses and injuries, such as a broken bone, can cost several hundred to several thousand dollars for treatment, care, and rehab. In fact, more than 60% of people who go bankrupt are pushed into it by medical bills.

The good news is health insurance is now easier to get and more affordable than ever before. On the other hand, what could be expensive is the new penalty you’ll pay for not getting health coverage. Just know that these penalties will get more expensive each year and could be as high as $2,250. More important, if you have to pay the penalty, you don’t get anything for your money; when you pay for insurance, you get covered. To find out about financial assistance that might be available, visit


All of the plans in the insurance exchange and Medicaid will make prevention services more accessible and affordable.

Reproductive Health

No additional fees can be charged for prevention services, including:

  • Annual well-woman visits
  • Contraceptives—including “whoops proof” such as implants and IUDs
  • Pap smears/cervical cancer screening and vaccinations
  • DNA testing for high-risk strains of HPV
  • Pre- and post-natal care—including screening for gestational diabetes, delivery of your baby, breastfeeding support and more
  • Annual counseling and testing for STDs, including HIV

All Plans Need to Cover

  • Emergency room and urgent care
  • Primary care services—including specialists, outpatient care, lab tests, MRIs and CT scans, and home health care
  • Prescription medications
  • Surgical and other inpatient care
  • Vision and dental care for kids
  • Screening/counseling for domestic and interpersonal violence
  • Treatment for alcohol and drug dependency
  • Depression screening


You can now enroll in health insurance plans that are more affordable while still offering the same quality services. Depending on how much money you make and the size of your family, up-front financial help may be available to help you purchase your health coverage, or you may qualify for no-cost insurance coverage through Medicaid.

If you fall within the ranges below, you may qualify for some financial assistance for getting health insurance:

  •         An individual earning up to $47,520
  •         A family of two with combined earnings up to $64,080
  •         A family of three with combined earnings up to $80,640
  •         A family of four with combined earnings up to $97,200


Where to get covered

Getting insurance coverage has gotten a whole lot easier than it used to be. Whether you might be covered by an affordable health insurance plan or Medicaid, help finding the coverage that fits is available online, by phone and in-person.

To sign up and learn more about Medicaid coverage

Colorado online: Colorado Peak  

Phone and In-Person: Call 1-800-359-1991 to talk to someone over the phone or find out where you can go in your community to talk with someone face-to-face.

Resource available in Spanish.

Michigan online: Healthy Michigan Plan

To shop for private plans and get financial help to buy health insurance


Phone and In-Person: Call 1-855-PLANS-4-YOU (1-855-752-6749) to talk to someone over the phone or find out where you can go in your community to talk with someone face-to-face.

Resource available in Spanish.

When you have insurance, if you have questions about your policy, your rights and protections, or need to file a formal complaint when you think your insurer isn’t doing what it should, you can contact them – it is their job to help you!

Colorado Division of Insurance: email your questions to or call 303-894-7490

Michigan Department of Insurance and Financial Services: email your questions to or call 877-999-6442 (Toll-Free)