Colorado Open Enrollment Notice for Individual Medical Plans

You and your eligible dependents may enroll during the open enrollment periods required by law.

 

On June 10, 2015 Assurant Health’s parent company, Assurant, Inc. announced its exit from the health insurance marketplace. Assurant Health
will not participate in or offer products during the next open enrollment period. Please consult your agent for assistance with plan selection for
coverage in 2016.

 

2016 Open Enrollment Period: November 1, 2015 through January 31, 2016. The earliest available effective date is January 1, 2016.


Special Enrollment Periods:

There are also certain situations, called special enrollment periods, when an eligible person does not need to wait for the next open enrollment period to begin in order to apply for coverage.

Within 60 days of the occurrence of a qualifying event, an eligible person may apply for coverage during a special enrollment period, and select from the benefit packages available to similarly situated individuals who enroll when first eligible.

A qualifying event is the occurrence of one of the following:
  1. An individual involuntarily loses existing creditable coverage for any reason other than fraud, misrepresentation, or failure to pay a premium.
  2. An individual gains a dependent or becomes a dependent through marriage, civil union, birth, adoption, or placement for adoption or by entering into a designated beneficiary agreement.
  3. An individual's enrollment or nonenrollment in a health benefit plan is unintentional, inadvertent, or erroneous and is the result of an error, misrepresentation, or inaction by Assurant Health, a producer, or the Colorado exchange, Connect for Health Colorado.
  4. An individual adequately demonstrates to the commissioner that the health benefit plan in which the individual is enrolled has substantially violated a material provision of its contract in relation to the individual.
  5. The Colorado exchange, Connect for Health Colorado, determines an individual to be newly eligible or newly ineligible for the federal advance payment tax credit or cost-sharing reductions available through the exchange pursuant to federal law.
  6. An individual gains access to other creditable coverage as a result of a permanent change of residence.
  7. A parent or legal guardian dis-enrolling a dependent, or a dependent becoming ineligible for the Children’s Basic Health Plan; and 
  8. An individual becoming ineligible under the Colorado Medical Assistance Act. 
  9. Any other event or circumstance occurs as set forth in rules of the commissioner defining triggering events.