Health care affordability is a shared responsibility. Understanding the cost of health care starts with understanding both the cost of insurance and what you may pay when you need care.
When you compare health plans, look at the monthly premium and what you’ll pay when you get care. Check whether your doctors and hospitals are in network and what the plan charges for the prescriptions you take.
Open enrollment offers a great opportunity for patients to explore their options and choose the health care coverage that works best for them and their families. CHA has compiled resources to help consumers better understand the coverage options available and what to consider before enrolling in a plan.
Commercial (individual/marketplace): Nov. 1, 2026 – Jan. 15, 2027*
Commercial health insurance coverage is provided by private insurance companies, including plans purchased individually or provided through an employer. Connect for Health Colorado is the state’s official health insurance marketplace.
*Your employer may have a different open enrollment window.
Medicaid: Year-round
Health First Colorado is Colorado’s Medicaid program, providing free or low-cost health coverage to eligible individuals and families based on income and other eligibility requirements.
Medicare: Oct. 15 – Dec. 7, 2026
Medicare is a federal health insurance program primarily for adults age 65 and older, as well as some younger people with disabilities or certain medical conditions.
Further reading and additional resources:
Knowing where to seek care is one part of understanding health care costs. Primary care offices, urgent care centers, and hospital emergency departments serve different needs. For nonemergency care, understanding those options—and your insurance coverage—can help you make informed decisions about where to go and what you may pay.
CHA’s Where for Care resource helps Coloradans explore care settings and better understand their options before a health concern arises.
Explore Where for CareThere are a lot of factors to assess when considering the total cost of health care. These include the costs of insurance premiums, deductibles, co-pays and co-insurance, provider and specialist visits, hospital visits, prescription drugs, and much more. Every part of the health care system has a role to play in making health care both affordable and accessible.
Like other sectors of the health care system, hospitals are part of the affordability equation. That's why hospitals around the state have robust programs to help uninsured and underinsured patients get care, low-income patients manage costs, and communities access preventive care before it becomes an emergency. But unlike other sectors of the health care system, hospitals operate under unique circumstances and stand ready to treat any patient 24/7, 365.
Hospitals have obligations that other parts of the system don't. They maintain emergency departments, trauma capabilities, intensive care, operating rooms, pharmacies, labs, imaging, infection control, specialized staff, emergency preparedness, extra capacity, and more. Some services provided by hospitals are critical, but not sustainable by the market alone. Behavioral health, obstetrics, trauma, burn care, neonatal care, rural emergency services, and others are essential even if they don't generate revenue. Hospitals need to offer these services to their communities in a sustainable way that ordinary business models usually cannot address.
The first step is understanding how costs are generated and how different parts of the health care system influence those costs. On an individual level, this allows patients to make more informed decisions about their health care coverage and services they need. On a larger scale, knowledgeable advocates can help explain the complex health care system and ask that each sector do its part to maintain an affordable, accessible network of high-quality patient services and specialty care.