Health Insurance for Individuals & Families
Buying for yourself or your family? Get a quote or learn the plan basics. Plans are available during the COVID-19 outbreak through April 3rd.
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You’re ready to get going. Click here to get to the right place for quotes, or more help if you need it.
Click here for more details on the plans, what features they offer, and learn about the tiers offered.
COVID-19 Info for Current Members
Click here to read about your benefits related to the Coronavirus outbreak.
The Highlights: Peak Health Individual Plans Features & Benefits
Membership in Peak Health Alliance offers more access to what matters to locals.
Peak Health Alliance negotiated directly with providers and hospitals to bring the best rates possible to Summit County residents for 2020. Our plans were designed with better coverage, more local access to the providers you love, and lower deductibles, too.
- All plans are ACA-compliant (Obamacare), meaning pre-existing conditions and preventive care are covered
- Childrens Hospital
- UC Health for tertiary care (requires pre-approval)
- Swan Mountain Womens Clinic
- Summit County Care Clinic
- Axis Physical Therapy
- Avalanche Physical Therapy
- Expanded mental health provider access with low or no-copay
- Centura Health providers throughout the Denver area plus excellent independent providers in Summit County
- Low-cost telemedicine options—convenient and innovative care with just a phone call
- Plans with copays rather than coinsurance for primary care and specialist visits
The fine print: These are only summaries of the full plans available. Benefits may be subject to deductibles, co-pays, coinsurance, and other limitations. Please check your plan for full details.
When you shop for plans, you’ll see that they are offered by Bright Health. The Peak Health team evaluates several insurance carriers to find the best fit for our community. We chose Bright for 2020, and we think you’ll like them too!
Pediatric Dental Benefits:
All plans: 2 cleanings per year; deductible
and coinsurance apply to additional services
Diagnostic and preventive procedures
Basic restorative services
Medically necessary orthodontia and prosthodontics (for cleft lip and cleft palate treatment)
Pediatric Vision Benefits:
Annual eye exam
One standard pair of glasses per year or one-year supply of contacts (You can select luxury items such as designer frames at an additional cost. Work with your vision provider to understand which frames are considered “standard” vs “designer”)
Get to know the “tiers” to better understand what kind of plan level fits your needs and budget.
If you want the lowest cost and don’t think you will need many healthcare services
Lowest monthly premium
Highest cost when you get care
Get the best balance between monthly premiums and out-of-pocket cost
Mid-range monthly premium
Mid-range cost when you get care
You require regular medical care and don’t mind paying higher premiums for a lower out-of-pocket expense
Highest monthly premium
Lowest cost when you get care
Now, let’s look at an overview of what’s included in the tiered plans for 2020.
Ready to Get a Quote? You've Got Options.
Here are the best places to get quoted and enrolled for 2020.
Connect for Health is the official Colorado marketplace for health insurance and the only place to receive and redeem financial assistance. If you have purchased from here before, or get tax subsidies for your healthcare, start here.
Bright Health is our selected insurance carrier for 2020 individual plans, and if you don't receive tax subsidies, you can shop, compare, and sign up directly at Bright. NOTE: If you don't know if you qualify for subsidies, we recommend Connect for Health.
Get Help from a Licensed Healthcare Broker
If you don't have a broker but would like to speak with one, we can help find you one, Click here to go to our Find a Broker tool and we'll recommend one for you. You're under no obligation to buy plans.
FIRC offers free, in-person assistance by appointment, or through several walk-in events. Great for first-time insurance purchasers or complex situations. Visit here to find a time that works for you!