Insurance Assistance

Insurance Assistance

Do You Or Your Family Need Health Insurance? Our Health Care Guides are here to Help!

Finding affordable insurance is a front-and-center issue for individuals and families across America. This can be especially difficult for those who reside in rural communities on the Western Slope. 

Our goal is to help you navigate the complex and ever-evolving world of health insurance and enroll you or re-enroll you in health coverage. TCHNetwork’s team of Health Coverage Guides (HCGs) are knowledgeable about low-cost and no-cost options from Health First Colorado (Medicaid), Children’s Health Plan Plus (CHP+), and Connect for Health Colorado, the official health insurance marketplace for Coloradoans. 

Open Enrollment has started!  

If you are interested in purchasing health insurance from the Colorado marketplace the time is now! The Connect for Health Colorado enrollment period is currently open until December 15, 2022, to receive coverage on January 1, 2023, and January 15, 2023, to receive coverage February 1. 2023.  Remember this is your only opportunity to enroll in individual/family commercial coverage for 2023, unless you have a life-changing event. 

Remember households will not pay more than 8.5% of their income on Silver plan (benchmark plan) premiums. Even if you are already enrolled in a plan, you might be eligible for financial subsidies to reduce your premium further and save you money each month. Contact a local HCG to learn more. 

If you need help finding the best insurance option for you, applying for financial subsidies, and/or enrolling in a plan TCHNetwork’s HCGs, many who are bilingual Spanish speakers,  are available for appointments in San Miguel, Ouray, Montrose, and Delta counties.  

HCGs complete 40+ hours of annual training so they can help people easily compare plans, apply for financial help (as applicable), and purchase insurance. A considerable advantage of purchasing health insurance through the Connect for Health Colorado marketplace is that it’s the only place where you can qualify for financial subsidies on monthly premiums and tax credits based on your income level. Extra savings may also apply in the form of cost-share reductions for deductibles and copayments, so please be sure to ask an HCG about these opportunities.

If you’ve lost coverage through Health First Colorado, apply through Connect for Health Colorado within 60 days of losing your coverage to take advantage of the monthly and out-of-pocket savings on your healthcare.  

Please review the chart below to see what savings you might be eligible for through the marketplace.

If you are a family of With this income range, you may qualify for BOTH
healthcare discounts and lower monthly premiums 
$17,130 – 32,200 
$23,169 – 43,550 
$29,207 – 54,900 
$35,245 – 65,250 
$41,283 – 77,600 
$47,321 – 88,950 

HCGs are available for in-person and virtual appointments Monday through Friday 9 am – 5 pm, and virtual appointments Monday through Thursday 4:30 pm – 7:30 pm from November 1 – January 15. 

Or join us at one of our special Open Enrollment Events between 9 am – 5 pm (see the list below). Our Spanish speakers will be available. 

City Day Date Time 
Delta – TCHNetwork office 202 E. Main Saturday November 12, 2022 9 am – 5 pm 
Delta – TCHNetwork office 202 E. Main Saturday  November 5, 2022 9 am – 5 pm 
Delta – TCHNetwork office 202 E. Main Saturday December 17, 2022 8:30 am – 5 pm 
Delta – TCHNetwork office 202 E. Main  Saturday December 10, 2022 8:30 am – 5 pm 
Montrose – MADA 17. N 6th Saturday November 12, 2022 9 am – 5 pm 
Montrose – MADA 17. N 6th Saturday December 3, 2022 9 am – 5 pm 
Naturita – WEEDC  Friday Nov 11 & Dec 2 10 am – 5 pm 
Telluride – Wilkinson Library Saturday November 5, 2022 9 am – 5 pm 
Telluride – Wilkinson Library  Saturday December 10, 2022 9 am – 5 pm 
Virtual M-TH 11/1-1/15 4:30 – 7:30 pm 

New for 2023 Coverage   

Colorado Connect OmniSalud 

OmniSalud is a new program that provides the opportunity for Colorado’s immigrant community to purchase affordable health insurance, regardless of their immigration status. You may even be able to access $0/month plans with financial help if you qualify for this benefit. To qualify, an individual must earn no more than $1,699/month or a family of 4 must earn no more than $3,469/month. 

When you apply for a health insurance plan, all the information you provide will be kept private and cannot be shared with any federal agency and cannot be used for immigration enforcement. This type of health insurance coverage and financial assistance are not considered when making public charge determinations. 

You can sign up for coverage starting January 1, 2023 during the  Open Enrollment Period from November 1 – December 15.  There are limit of spaces to buy health insurance. It is very important to enroll as soon as possible. Please contact one of our bilingual Spanish-speaking HCGs right away.   

Don’t Let Cost Be a Barrier 

If your total family income falls under the levels presented in the chart below, TCHNetwork can help you apply for no-cost health and dental insurance through Health First Colorado. 

You may still qualify if you make more. Please contact our HCGs for more information by emailing enrollment@tchnetwork.org or calling our main office at 970-708-7096. 

If you’ve lost coverage through Health First Colorado, apply through Connect for Health Colorado within 60 days of losing your coverage to take advantage of the monthly and out-of-pocket savings on your healthcare.  

Family Size Adults 19 – 65 Children 0 – 18 Pregnant People 
Up to $1,507 Up to $1,609 Up to $2,209 
Up to $2,030 Up to $2,167 Up to $2,976 
Up to $2,553 Up to $2,726 Up to $3,743 
Up to $3,076 Up to $3,284 Up to $4,510 
Up to $3,599 Up to $3,843 Up to $5,277 
Up to $4,122 Up to $4,401 Up to $6,044 

Looking For Insurance For Your Child(ren) Or You’re Pregnant And Need Insurance?

If your total income falls under the levels presented in the chart below, TCHNetwork can help you apply for low-cost or no-cost health & dental insurance through Children’s Health Plan Plus (CHP+). 

Some Expenses Can Be Deducted From Your Gross Income 

Please note that certain expenses such as childcare, medical costs, health insurance premiums, child support, and alimony payments may be deducted from your family’s gross income, meaning that families may make more money and still qualify for coverage through Health First Colorado or CHP+. 

Approximate Monthly Family Income to Qualify for Child Health Plan Plus (CHP+) 

Family Size Enrollment Fee: 
1 child: $25 
2 or more children: $35 
Enrollment Fee: 
1 child: $75 
2 or more children: $105 
Up to $2,413 $2,414 – $2,945 
Up to $3,251 $3,252 – $3,968 
Up to $4,088 $4,089 – $4,990 
Up to $4,926 $4,927 – $6,013 
Updated June 2022

Contact Us

Please contact one of our local HCGs, located in Ouray, San Miguel, Delta, and Montrose counties, to schedule an appointment to help you apply. Email enrollment@tchnetwork.org or call 970-708-7096 

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