Health Insurance for Individuals and Families
2026 health insurance open enrollment is November 1 – January 15.
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.
2026 Benefit Design
| Bronze High Deductible HDHP | CO Option Bronze | CO Option Silver | Silver HDHP – Off Exchange | CO Option Gold | |
| Deductible | |||||
| Individual | $6,950 | $7,500 | $4,400 | $4,000 | $2,050 |
| Family | $13,900 | $15,000 | $8,800 | $8,000 | $4,100 |
| Out-of-pocket Max | |||||
| Individual | $7,100 | $9,200 | $9,800 | $8,000 | $9,600 |
| Family | $14,200 | $18,400 | $19,600 | $16,000 | $19,200 |
| Preventive Care | $0 | $0 | $0, unlimited | $0 | $0, unlimited |
| Coinsurance | 50% | 50% | 40% | 20% | 30% |
| Primary Care | 50% coinsurance after deductible* | $0 for preventative, screening, immunization. To treat injury or illness, $0 for 3 visits, then $50 copay after deductible | $0, unlimited | 20% coinsurance after deductible* | $0, unlimited |
| Specialist Office Visit | 50% coinsurance after deductible* | $90 copay | $55 copay | ||
| Behavioral Health Office Visit | $0, unlimited | $0, unlimited | $0, unlimited | ||
| Pregnancy & Postnatal | 1st three visits $0, then $50 copay after deductible | $0, unlimited | $0, unlimited | ||
| Inpatient Hospital Stay | 50% coinsurance after deductible* | 50% coinsurance after deductible* | 30% coinsurance after deductible* | ||
| Emergency Care | |||||
| Urgent Care | $50 copay | ||||
| PHARMACY BENEFITS | |||||
| Tier 1 (Preventive) | $0 copay | $0 copay | $0 copay | $0 copay | $0 copay |
| Tier 2 (Generic) | 50% coinsurance after deductible* | $30 copay | $20 copay | 20% coinsurance after deductible* | $10 copay |
| Tier 3 (Preferred Brand) | $200 copay | $125 copay | $50 copay | ||
| Tier 4 (Non-Preferred) | $350 copay | $300 copay** | $200 copay | ||
| Tier 5 (Specialty) | $700 copay | $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.