Health Insurance for Individuals & Families

Get ready for Open Enrollment, starting November 1st.

Get More Access. Better Coverage. And Pay Less in 2021.

With Peak Health, you’ll get ACA-compliant coverage, more local access, and features we think you’ll love. If you live in Grand, Lake, or Summit counties, you can sign up beginning November 1 through December 15th.

  • Pre-existing conditions are covered
  • Preventive covered 100%, including annual checkups, flu shots, mammograms, etc.
  • Pediatric dental and vision coverage
  • Expanded mental health provider access with low or no-copay
  • Large network includes Centura Hospitals throughout Colorado and closer to home hospitals St. Anthony Summit Medical, St. Vincent Hospital, and Middle Park Health
  • Low-cost virtual visits: Convenient and innovative care with just a phone call or internet connection
  • Options such as unlimited primary care visits are available


Individual Plans


The Peak Health team evaluates several insurance carriers to find the best fit for our community. For 2021, our carrier is Bright Health. 

The fine print: These are only summaries of the full plans available and are subject to change without notice. Benefits may be subject to deductibles, co-pays, coinsurance, and other limitations. Please check your plan for full details. Visit for more.

Get Covered for 2021: Quick Facts

  • Open Enrollment is the period between November 1st and December 15th when you can enroll for 2021 coverage.
  • Enrollment will be through Colorado’s official exchange (Connect for Health), Bright Health, a broker, or a Health Navigator
  • Plan coverage will begin January 1, 2021. There is a one-month extension period until Jan. 15. Coverage for those plans begins on February 1.
  • If you miss these deadlines, you must have a “qualifying event” to buy coverage. Learn more at the link below.

Plans in Grand, Lake, and Summit Include Popular Providers

  • Centura / High Country Healthcare
  • Rocky Mountain Family Practice
  • Sol Vista Health
  • Byers Peak Family Practice
  • Denver Health Winter Park & Alpine Clinics
  • Fraser Medical Clinic
  • Children’s Hospital
  • UC Health for tertiary care
  • Swan Mountain Women’s Clinic
  • Ebert-Santos
  • Summit Community Care Clinic
  • Axis Physical Therapy
  • Avalanche Physical Therapy
  • Many more!

Why Choose Peak Health and Bright? The benefits.

Affordable Premiums AND Affordable Out of Pocket Costs

  • Our unique model brings deep rate reductions
  • Affordability beyond premiums – lower out of pocket costs for health care services you need
  • Flat-dollar copays on services outside of office visits: labs, xrays, MRIs
  • Extensive network of local providers in our communities, as well as Centura statewide health care system and other major hospitals for care

Virtual Care Access

  • Access to telehealth visits through Doctor on Demand
  • All telehealth services obtained in connection to COVID-19 testing and diagnosis are covered at no cost to the member
  • All other telehealth services align with the primary care or specialty care benefits on your specific plan

Pediatric Vision Coverage

  • 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 get full details.

100% Coverage for Wellness / Preventive Services

  • Children’s services, like age-appropriate well-child services
  • Vaccinations for members of all ages
  • Annual routine physicals
  • Preventive age-recommended screenings for all members, such as cancer screenings, mammograms, and pap smears

Enhanced Mental Health Coverage

  • Mental health is an important indicator of overall wellness
  • $0 copay for outpatient mental health visits on all non-HSA plans
  • Unlimited number of mental health visits
  • Expanded network of community mental health providers

Pediatric Dental Coverage

  • All plans: 2 cleanings per year; deductible and coinsurance apply to additional services

  • Diagnostic and preventive procedures

  • Basic restorative services

  • Extraction surgery

  • Endodontics

  • Medically necessary orthodontia and prosthodontics (for cleft lip and cleft palate treatment)

Before you shop, get to know the “metal tiers” to better understand the differences between each level of health insurance.

Bronze Plans

If you want the lowest cost and don’t think you will need many healthcare services

  • Lowest monthly premium

  • Costs can be higher when you seek care depending on the plan you choose at this level and your medical needs

Silver Plans

Get the best balance between monthly premiums and out-of-pocket cost

  • Mid-range monthly premium

  • Mid-range cost when you get care, but can be more comprehensive than Gold in some instances

Gold Plans

You require regular medical care and don’t mind paying higher premiums for a lower out-of-pocket expense

  • Highest monthly premium

  • More costs are covered when you seek care

Provider Summaries for New Counties

Welcome Grand and Lake County residents! Find a summary of provider facilities below. Looking for your specific doctor or practitioner? Chat with us below and we’ll confirm!

Grand & Lake County Providers


  • Children’s Hospital
  • University of Colorado Hospital
  • University of Colorado Medicine
  • Middle Park Health (all facilities)
  • St. Vincent Hospital
  • Centura Statewide

Non-Facility Providers

  • Byers Peak Family Practice
  • Denver Health Alpine Clinic Physical and Occupational Therapy
  • Denver Health Winter Park Clinic
  • Fraser Medical Clinic
  • Mountainland Therapy and Associates
  • Planned Parenthood of the Rocky Mountains, Inc.
  • Rocky Mountain Family Practice
  • Sol Vista Health

Mental Health

  • Andrea Brown
  • Dianne Drake Foss
  • Kelly Norris
  • Kristyn Roe
  • Lisa Marie Ansell
  • Matthew Carlson
  • Shawn Dinkel

Now, let’s look at an overview of what’s included in the tiered exchange plans for 2021. Plans are carried by Bright Health

Metal TiersIND
Primary CareSpecialist CareUrgent CareEmergency RoomMental Health*Pharmaceutical
Peak Bronze 8550 Rx Copay$8,550$17,100$8,550$17,100$250%$750%$0$40
Peak Bronze 6500$6,500$13,000$8,550$17,100$2540%$7540%$0$35
Peak Bronze 6850 HSA$6,850$13,700$6,850$13,7000%0%0%0%0%0%
Peak Bronze $0 Medical Deductible$0 Med /
$4,950 Rx
$0 Med /
$9,900 Rx
Peak Bronze $0 Primary Care$7,200$14,400$8,550$17,100$050%$5050%$0$25
Peak Silver 5000 Rx Copay$5,000$10,000$8,150$16,300$25$75$75$750$0$25
Peak Silver 4600$4,600$9,200$8,550$17,100$1040%$7540%$0$10
Peak Silver $0 Deductible$0$0$8,550$17,100$30$60$50$750$0$30
Peak Silver $0 Primary Care$6,700$13,400$8,550$17,100$0$60$5040%$0$0
Peak Gold 3000 Rx Copay$3,000$6,000$8,150$16,3002 $0 Visits, $20 after$40$75$600$0$10
Peak Gold 1000$1,000$2,000$8,550$17,1002 $0 Visits, $20 after$40$50$500$0$15
Peak Catastrophic 3 $0 PCP Visits$8,550$17,100$8,550$17,1003 $0 Visits, then deductible0%0%0%0%0%

It’s time to shop and enroll! Choose an option to get started or chat with us today to get questions answered by a real human.

Ready to Get a Quote? 

Enrollment begins November 1, but you can get pricing today from one of these four options.

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 2021 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.

Don't have a broker? Use one of our recommended brokers and get expert advice from brokers certified to help with our plans. You're under no obligation to buy. 

Find a Certified Health Assister


Free, in-person help is available from certified Connect for Health Colorado enrollment experts located throughout Colorado. Great for first-time insurance purchasers or complex situations. 

Have a question?
We can help!