Open Enrollment in Colorado 2027
Open enrollment for 2027 Colorado health insurance runs November 1, 2026 through January 15, 2027. Enroll by December 15 for coverage that starts January 1. Enroll December 16 through January 15 and coverage starts February 1.
Outside open enrollment, you can only enroll or switch plans after a qualifying life event, like losing job-based coverage, moving, getting married or having a baby. If you're renewing, uninsured, or your current plan is changing for 2027, this is your window to compare individual and family health plans.
As local Westminster brokers, we compare Connect for Health Colorado plans and off-exchange private plans side by side, at no cost to you. On Medicare? Your annual enrollment period runs October 15 to December 7.
Key Open Enrollment Dates for 2027
Open enrollment starts November 1, 2026. Enroll by December 15 for coverage on January 1. The last day to enroll is January 15, 2027, for coverage that starts February 1.
Who Should Act
Current plan holders whose premiums, doctors or drug coverage change for 2027, people who are uninsured, and anyone whose job-based coverage is ending.
What to Bring
Your ZIP code, the ages of everyone on the plan, an estimate of your 2027 household income, and a list of your doctors and prescriptions.
How We Help
We compare marketplace and off-exchange plans, check your doctors and prescriptions, estimate your premium tax credit and handle your enrollment, all at no cost to you.
Don't Miss the December 15 Deadline
Open enrollment ends January 15, 2027, and December 15 is the deadline for coverage that starts January 1. Call 970-685-2066 or get a free quote, and we'll compare your 2027 options before the deadline. If you have a Cigna plan, read about Cigna leaving Colorado. Losing a job plan? Look at COBRA alternatives too.
Open Enrollment FAQs
November 1, 2026 through January 15, 2027. The same window applies to plans through Connect for Health Colorado and to off-exchange plans bought directly from an insurance company.
Enroll by December 15 and your coverage starts January 1, 2027. Enroll December 16 through January 15 and your coverage starts February 1.
Yes. Premiums, provider networks and drug lists can change each year, and your tax credit can change with your income. Compare your 2027 options before December 15, even if you plan to keep your current plan.
Only with a qualifying life event, such as losing other coverage, moving, getting married or having a baby. You typically have 60 days from the event to enroll.