Short-Term Health Insurance in Colorado
Short-term health insurance is temporary, limited coverage meant to fill a gap. In Colorado these plans are tightly regulated and few carriers offer them. They can exclude pre-existing conditions and aren't ACA-compliant, so a marketplace plan through a special enrollment period is often the better option.
Short-term plans can look cheap, but they aren't required to cover pre-existing conditions, maternity care or prescriptions, and they often cap benefits. Federal and Colorado rules limit how long they can last, and availability in Colorado is very limited.
Mile High Health Brokers is a Westminster-based independent agency. We work with multiple Colorado carriers, so we can compare marketplace plans, off-exchange private plans and small group options for you in one place.
How Short-Term Coverage Works in Colorado
Covering a gap between jobs or before other coverage starts? Here's what actually works in Colorado.
Who We Help
People between jobs with a short gap, people waiting for employer coverage to start, and anyone who missed open enrollment and wants to understand their options.
What It Costs
Short-term premiums are usually lower because the plans cover less and can decline applicants. Compare that with a marketplace plan after tax credits; many people find the ACA plan costs about the same or less.
How We Help
We check whether a short-term plan is even available for you, compare it with marketplace and COBRA options, and help you enroll in whichever fits best, at no cost to you.
Talk to a Local Health Insurance Broker
Health insurance brokers are paid by the insurance companies, and plan premiums are the same whether you enroll with a broker or directly. Call 970-685-2066 or request a free quote, and we'll compare your options side by side.
​Mile High Health Brokers is an independent, licensed health insurance agency serving Colorado. Plan availability, benefits and premiums vary by county and carrier and can change each plan year.
Short-Term Health Insurance FAQs
Availability is very limited because of state and federal rules. We'll check what's actually being sold for your situation and compare it with marketplace coverage.
Federal rules limit new short-term plans to a short initial term with strict renewal limits, and these rules have changed several times. Ask us for the current limits before you buy.
Usually not. Short-term plans can exclude pre-existing conditions and decline applicants. ACA marketplace plans must cover them.
Losing coverage triggers a 60-day special enrollment period on Connect for Health Colorado. That is often a better choice than a short-term plan or COBRA.