2025 Health Insurance for Individuals and Families
Open enrollment for coverage in 2025 is over, but you can still enroll in our plans if you qualify for a special enrollment period. Also, we’ll be offering plans for 2026 starting on November 1, 2026.
Peak Health Alliance, in partnership with Elevate Health Plans, will offer Bronze, Silver, and Gold Colorado Option Plans as well as a Bronze HSA to individuals and families who buy their own insurance.
Plan Highlights
- $0 preventive care services
- $0 primary care visits
- $0 mental health outpatient visits
- Local in-network providers, including specialists, primary care doctors, and mental health providers.
Health plans sponsored by Peak are 100% compliant with the federal Affordable Care Act (ACA), which means they cover you and your family for preventive, age-recommended cancer screenings such as mammograms, pap smears, and colonoscopies. They also include vaccinations and annual routine physicals. And pre-existing conditions are always included.
Free Unlimited Mental Health Coverage
Get an unlimited number of outpatient mental health therapy visits with $0 copay on all Peak Health Alliance non-HSA plans.
2025 Benefit Design
| Bronze High Deductible HDHP | CO Option Bronze | CO Option Silver | CO Option Gold | |
|
Deductible Individual Family |
$6,950 $13,900 |
$7,500 $15,000 |
$100 – $4,000** $200 – $8,000** |
$1,875 $3,750 |
|
Out-of-pocket Max Individual Family |
$7,100 $14,200 |
$9,200 $18,400 |
$1,225 – $9,000** $2,450 – 18,000** |
$8,700 $17,400 |
| Preventive Care | No charge | No charge | No charge | No charge |
| Coinsurance | 50% | 50% | 20%-40% | 30% |
| Primary Care | 50% coinsurance after deductible* | No charge for 3 visits, then $50 copay after deductible | No charge | No charge |
| Specialist Office Visit | 50% coinsurance after deductible* | $40 – $80 copay | $50 copay | |
| Behavioral Health Office Visit | No charge | No charge | No charge | |
| Inpatient Hospital Stay | 50% coinsurance after deductible* | 20% – 40% coinsurance after deductible* | 30% coinsurance after deductible* | |
| Emergency Care | ||||
| Urgent Care | $40 – $80 copay | $50 copay | ||
| PHARMACY BENEFITS | ||||
| Tier 1 (Preventive) | $0 copay | $0 copay | $0 copay | $0 copay |
| Tier 2 (Generic) | 50% coinsurance after deductible* | $30 copay | $0 – $20 copay** | $10 copay |
| Tier 3 (Preferred Brand) |
$200 copay | $20 – $125 copay** | $50 copay | |
| Tier 4 (Non-Preferred) |
$350 copay | $40 – $300 copay** | $200 copay | |
| Tier 5 (Specialty) |
$700 copay | $60 – $650 copay** | $600 copay | |
*Coinsurance is the amount you pay for healthcare services after you meet your deductible and is capped at the out-of-pocket maximum. Please note that the coinsurance amount will be $150 once the deductible is met but the maximum out-of-pocket hasn’t been met yet.
**Copays and deductibles for the CO Option Silver plan vary based on whether you qualify for “cost-sharing reductions,” which are based on household income-level. Ask your broker or visit Connect for Health Colorado to see if you qualify.
There are several options:
- Find out if you qualify for a special enrollment period and can enroll in a plan now.
- You can use your broker or select one from Connect for Health’s list of certified brokers.
- You can enroll directly through Elevate/Denver Health Medical Plan here.
- You can sign up directly through Colorado’s health insurance marketplace, Connect for Health Colorado. If you believe you may qualify for subsidies / tax credits, you must enroll through Connect for Health. Many people who think they do not qualify for subsidies/tax credits are surprised to find they do, so it is worth checking if you are unsure.
- You can use an enrollment assister/health navigator that will guide you through enrollment and help you select the best plan for your needs. Find one here.
Please note: If you are seeking financial assistance or tax credits, you must sign up through Connect for Health Colorado.