Affordable Health Insurance Alternatives in Colorado
If you don't qualify for marketplace tax credits, a health share paired with a direct primary care membership can cost less each month than a marketplace plan.
Elevated Direct Primary Care in Northglenn gives you unlimited visits with your own doctor for $150 a month. Phoenix HealthShare helps with large medical bills, starting around $135 a month for a single adult.
Mile High Health Brokers will compare this option with marketplace plans side by side, for free. Call 970-685-2066.
How a Health Share and DPC Work Together
Your doctor handles everyday care. The health share helps with the big bills.
Everyday Care
Elevated DPC is $150 a month per adult (ages 15+) for unlimited visits, physicals, sick visits, chronic care, telehealth and texting with your doctor. No copays, wholesale lab pricing, 4-month minimum.
Big Bills
Phoenix HealthShare shares eligible bills like surgery, hospital stays and imaging after you pay your IUA of $1,250, $2,500 or $5,000. You pay no more than three IUAs in 12 months, and you can see any provider.
Sample Monthly Cost
Single adult age 30 to 49 with a $5,000 IUA: $162.74 for Phoenix plus $150 for Elevated, about $313 a month. With a $1,250 IUA, about $409.Â
Health Share and DPC FAQs
Only in a limited way at first. Conditions from the 24 months before you join aren't shared in year one and are capped at $50,000 in year two. Well-managed high blood pressure, cholesterol and diabetes are exceptions.
Anyone who qualifies for sizable tax credits, expects a baby in the next year, needs regular prescriptions or mental health care, or has an ongoing condition. Phoenix doesn't share those, and marketplace plans must cover them.
Phoenix doesn't share routine checkups or preventive care. A DPC membership covers that everyday care for a flat monthly fee, so the health share is there for large, unexpected bills.