Let’s Get Down to Peak Basics.

The ins and outs of Peak Health Alliance, health insurance, and more.

 

Individuals & Families

Businesses & Groups

About Peak Health

Quick Facts for Individuals and Families

When Can Individuals Sign Up?

Individuals may enroll for January 1 coverage now through December 15, as mandated by Federal law. If you miss that deadline, you still have until January 15th, but your coverage will not start until February 1st.

To get started on enrollment, click here.

You must enroll in a plan during the open enrollment period to get coverage for 2020, unless you have a “qualifying event”. For more information on this, please speak to your broker, an assistor, or visit Connect for Health, the marketplace for Colorado insurance.

*Note that Open Enrollment will continue through January 15th, but if you wait until after December 15th, your plan will not go into effect until February 1.

I Just Received a Renewal Letter. What Should I Do?

If you have individual (not employer-provided or group) health insurance for 2019, it will be in effect through the end of the year (assuming you pay your premiums as scheduled!).

Some insurers are asking you to renew now. We think you should explore all your options.

If you’d like to wait and explore options, start on this page. Then,  starting November 1st, you’ll be ready to enroll for January 1 coverage.

Don’t cancel your current plan! It will automatically expire on 12/31.

Waiting to renew until after you’ve had a chance to shop won’t affect your 2020 rates. 

Want to be notified when open enrollment begins? We’ll email you! Just subscribe here.

A note about Kaiser: Kaiser has sent out letters notifying subscribers that they will no longer be operating in Summit County as of January 1. You will be able to choose a new plan starting November 1.

How Will I Sign Up?

If you’ve signed up as an individual before, the process is the same. You have three options:

Remember, enrollment will start beginning November 1 through December 15th, as mandated by Federal law.

Will Tax Subsidies I've Received in the Past Still Apply with Peak Health?

Yes, our plans are eligible for federal tax subsidies just like other plans.

Our plans are compliant with the ACA, and like any other health insurance plan, if you qualify for subsidies or tax credits, you will with Peak plans. You will receive a 1095 form from Bright Health at the end of the 2020 tax year.

Please read our FAQ about the changes in the amount of federal tax subsidies offered this year as some changes may impact your credit.

My Tax Subsidy Went Down. What Happened?

There are a few factors that are impacting tax credits (known as the APTC, or Advanced Premium Tax Credit) this year.

One is that the federal government ties the amount of tax credits to the price of the premiums of certain plans. Because plans went down in price this year (Not just at Peak), the credit is less.

Does this mean your cost will go up? In some cases, compared to last year. What you can do, though, is SHOP AROUND.

Don’t just renew your plan from last year. Shop around and consider any changes that will help you maintain the same monthly cost.

And if your income levels changed, so will your tax credits.

We may not be able to control the federal tax subsidies, but we are working to lessen their impact both for relief in 2020 and for plans in 2021. We hope to have more information on progress soon.

We’d like to know if you’re impacted by this. Please contact us here to let us know.

How Much Will Peak Cost?

Your rates will depend on the same factors as found in most health insurance plans, including age, deductibles, desired benefits, and more.

Premium rates/options will vary, but you can get a quote today! Get started here.

Membership in Peak Health Alliance is required to enroll in our plans. The fee for membership is $6/month per life, with a maximum of $24/month for families.

The membership fee is added to your monthly premium bill, so you only have to pay one bill each month.

Who Will Be My Insurance Carrier?

For individual plans, Bright Health will be your insurance carrier. You may reach them here.

Will I Receive an Insurance Card?

Yes

Is Peak Health Alliance an Insurance Company?

No. Peak Health Alliance negotiates and partners with insurance carriers who will underwrite the plans

Will I still be able to use the Care Clinic or Swan Mountain?

Yes. 

I Live Outside Summit, But I Work in Summit. Am I eligible?

You are eligible if your employer is incorporated in Summit County and is offering Peak Health plans. Ask your employer or check with your human resources department about plans available to you.

Do You Offer Dental or Vision Insurance?

Not for 2020, but we are continuing to explore expanded plan offerings. This may include dental and/or vision in the future.

Whom Do I Contact About My Plan Once I'm Enrolled?

Bright Health will be your contact point for insurance customer service once your plan is in effect.

They will be who sends you your premium bills, Explanation of Benefits (EOB), and making any and all decisions regarding eligibility, coverage, and more.

Are There Other Choices Besides Peak in Summit County?

Yes. Peak will be among other insurance carrier plans available to Summit County. You are not under obligation to select Peak Health Plans.

Quick Facts for Businesses

When Can Businesses Enroll?

Start planning today!

Business owners can speak to their brokers today about Peak Health Alliance coverage options for their businesses as long as the business is registered in Summit County. 

Rates and plans will be released by the state in mid-October.

  • If you don’t have a broker, we have a referral system here 
  • You may also speak directly with agents at Rocky Mountain Health Plans.
  • If you are self-insured, you should speak with your TPA about Peak.

Plans and coverage go into effect on January 1, 2020

Can I Work with My Existing Broker?

Yes!

The process is very much the same as how your business has acquired health insurance in the past.

Most brokers have been trained on Peak’s plans and are able to help you decide what is best for you and your employees.

Need a broker? We can refer you to an expert. Just click here.

How Much Will Peak Cost?

For small business/group, your broker will have more information on plans and rates that best fit your business and employees. If you are a self-insured employer, your third party administrator will work with you for benefit design.

Membership in Peak Health Alliance is required to enroll in our plans. The fee for membership is $6/month per life. Businesses who are members of certain Summit trade associations (Summit Chamber, Builders Assn., Summit Assn. of Realtors) will pay $5/month.

These fees are part of your monthly insurance premium so you don’t have to pay an additional bill each month.

 

Do You Offer Trade Association Discounts?

Yes!

If you’re a member of Summit Chamber, Summit County Builders Association, or the Summit Association of Realtors, you will pay only $5/month per member/life.

Are Employees Who Live Outside Summit County Eligible?

If your business is a Summit County registered corporation (meaning it is your legal business address), you’re eligible!

Your employees who work in Summit County can enroll in your Peak Health plan even if they live outside Summit County.

Can I offer additional benefits to my employees?

Yes.

Will my employees be able to use the Care Clinic or Swan Mountain?

Yes. 

Do You Offer Dental or Vision Insurance?

Not for 2020, but we are continuing to explore expanded plan offerings. This may include dental and/or vision in the future.

Do You Offer Discounted Pharmaceuticals

Your insurance carrier will offer prescription drug plans; the benefits and associated costs for which will vary by plan and carrier.

We are working on pharmaceutical benefits for 2021 plans.

Who Will Be My Insurance Carrier?

Our partner carriers for 2020 plans are Rocky Mountain Health Plans for the small business/group market.

Are There Other Choices Besides Peak in Summit County?

Yes. Peak will be among other insurance carrier plans available to Summit County. You are not under obligation to select Peak Health Plans.

About Peak Health Alliance

What is Peak Health?

Peak Health is a non-profit health insurance purchasing cooperative, founded in Summit County to negotiate lower healthcare rates by using the purchasing power of the community. We offer 2020 health insurance plans through carriers we selected based on their ability to offer the most competitive rates and comprehensive plans. Individual plans are carried by Bright Health. For small/group business and self-insured organizations, our plans are offered through Rocky Mountain Health Plans.

Peak was first initiated as a special project of the Summit Foundation. Today it is a 501(c)3 non-profit operated independently and based out of The Keystone Center in Keystone Colorado.

While our ability to operate and offer plans is granted under Colorado law and enforced by the Division of Insurance, we are not a state agency.

Is Peak Health Alliance an Insurance Company?

No. Peak Health Alliance negotiates and partners with insurance carriers who will underwrite the plans

Is Peak Health Alliance the Same as Obamacare?

No. However, our plans are compliant with Obamacare— otherwise known as the Affordble Care Act or ACA for short.

Are Your Plans ACA-Compliant?

Yes. For 2020, all plans offered through Peak Health Alliance will meet or exceed Affordable Care Act (ACA) guidelines.

How is Peak Health Funded?

Peak Health Alliance is a non-profit whose formation was underwritten through the generosity of the Summit Foundation and local government organizations. Our ongoing operations are primarily funded by membership fees, paid through the monthly premiums of Peak Health Alliance plans

Is Peak Affiliated with a Specific Provider, Hospital, or Insurance Company?

No. We are an independent Summit County-based non-profit and 501(c)3 organization, governed by a Board of Directors who represent businesses, government entities, individuals, and more.

We negotiate and partner with various local, statewide, and specialty providers so we can bring down rates for everyone. We then select the best carrier to underwrite the plans.

How Can I Stay Updated with Peak Health Alliance?

Please visit our home page and subscribe to stay updated about our site launch, for information regarding enrolling, and more.

We also invite you to follow us on social media, the links at the bottom of this page will take you to our page on your favorite network.

Still Have Questions?
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