Looking for low cost Health Insurance Rates? We can help. Simply enter your zipcode in the graphic below and hit the go button.

LowerColoradoRates.com makes finding affordable health and medical insurance easy. Simply enter your zipcode in the form below and click the go button to get your free quotes. We make it simple to obtain multiple quotes from top Colorado health insurance companies.

Health insurance can protect you and your family from major out-of-pocket medical expenses that can accumulate during an illness or hospital stay. Unfortunately, health insurance is expensive and getting more costly every year. Many employers provide some basic medical insurance under a group policy availabe to company employees. Unfortunately, many companies are cutting costs and passing more of the burden of health care coverage on to employees. If you are unemployed, self-employed or if your employer does not provide medical coverage you can usually purchase it independently through an insurance agent or broker. Health insurance helps pay for out-of-pocket expenses for diagnosis and treatment of covered medical conditions. It is important to choose a plan that best fits your budget, age, family needs and lifestyle.

There are generally two categories of medical insurance known commonly as indemnity or managed-care plans (HMO or PPO). The most significant differences between the two are evident in how you choose your provider, how out of pocket costs are handled and how your bills get paid. For example, under an indemnity policies you usually can choose any doctor or hospital that you wish when seeking services. Under a managed-care plan, you typically select a primary care physician who treats and directs all health care for you or you are given a list of preferred providers from which you can chose. Under indemnity plans, you often to pay upfront and are reimbursed after a deductible is applied. Under a managed care plan, providers agree to perform services for patients at pre-negotiated rates and usually the provider handles the claims processing for you.

Employer provided healthcare is generally the least expensive coverage you can get. If you have this option, you should enroll in such a program. The second best option, particularly if you have a pre-existing condition, is often an employer provided Consolidated Omnibus Budget Reconciliation Act (COBRA) plan. If you are not eligible for COBRA or your COBRA option has expired, your old coverage did not expire due to non-payment and you have had 18 months of continuous group health coverage under an employer group health plan, then you are generally considered “Federally Eligible” for a Health Insurance Portability and Accountability Act (HIPAA) plan. If you are not Federally Eligible than you can still get coverage, but insurers may impose a waiting period for coverage and coverage of pre-existing conditions.

Colorado has some state sponsored health programs for lower income families. The Child Health Plan Plus program provides health insurance coverage for low income children (18 years of age and younger) and pregnant women (19 years of age and older). CHPP covers visits to doctors and clinics for preventive, acute and specialty care; inpatient and outpatient hospital services; emergency care, prescription drugs, glasses and hearing aids; and behavioral and mental health care; family planning, prenatal care, and outpatient substance abuse treatment. Colorado also has a Colorado Indigent Care Program that provides discounted health care services to low income individuals through participating providers. Check with the state for eligibility requirements on these and other programs.

Our customers come from Denver, Colorado Springs, Aurora, Lakewood, Fort Collins, Thornton, Arvada, Westminster, Pueblo, CO and other great cities in The Centennial State to find low cost health insurance from top rated insurance companies. Colorado health insurance premiums vary significantly amongst carriers and plans. To help keep your premiums down, you need to compare multiple quotes at least annually. We make that process simple.