Health Insurance for Individuals and Families
2027 health insurance open enrollment is November 1, 2026 – January 15, 2027.
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.
2027 Benefit Design
|
|
Bronze High Deductible HDHP |
CO Option Bronze |
CO Option Silver |
CO Option Gold |
|
Deductible |
|
|
|
|
|
Individual |
$7,100 |
$8,100 |
$200-$5,000** |
$2,400 |
|
Family |
$14,200 |
$16,200 |
$400-10,000** |
$4,800 |
|
Out-of-pocket Max |
|
|
|
|
|
Individual |
$8,000 |
$11,200 |
$2,300-$11,450 |
$10,450 |
|
Family |
$16,000 |
$22,400 |
$4,600-$22,900 |
$20,900 |
|
Preventive Care |
$0 |
$0 |
$0, unlimited |
$0, unlimited |
|
Coinsurance |
50% |
50% |
20-40% |
30% |
|
Primary Care |
50% coinsurance after deductible* |
$0 for 3 visits, then $50 copay after deductible |
$0, unlimited |
$0, unlimited |
|
Specialist Office Visit |
50% coinsurance after deductible* |
$40-80 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* |
20-40% coinsurance after deductible** |
30% coinsurance after deductible* |
|
|
Emergency Care |
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|
Urgent Care |
$50 copay |
|||
|
Pharmacy Benefits |
||||
|
Tier 1 (Preventive) |
$0 copay |
$0 copay |
$0 copay |
$0 copay |
|
Tier 2 (Generic) |
50% coinsurance after deductible* |
$30 copay |
$20 copay |
$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.