A citizen of Colorado who cannot get health insurance which is sponsored by his employer or company can opt for an individual health insurance policy. Even if he does not meet the criteria laid down by the insurance companies for a Health insurance policy, he is still eligible for the health insurance policy, but will be offered it with a few limitations. Disabled children will be offered coverage under their parent's health insurance policy till they attain the age of adulthood. Though having said that individual plans may not offer the same levels of coverage that group insurance plans offer. But maternity care; mental care or prescription drugs may not be covered under the group-insurance plans in the state of Colorado.
As per law insurance companies are not restricted on the amount of premium they may charge their customers. Also the insured person can be charged extra by insurance companies on the basis of his health, age or any other factors. Citizens or people staying in Colorado are covered by group health insurance plans irrespective of their health. Even if you are self employed you can buy a Colorado group plan if he has been self employed for a period exceeding 1 year. All insurance companies per law are required to offer a minimum of 2 health insurance policies to all self employed people.
In Colorado, insurers are required to guarantee their clients that they will renew their policies, unless the customer has defaulted on his premium payments. Health insurance companies cannot by law deny a person health insurance coverage once he has bought an insurance policy on the grounds of health. A young person in the state is encouraged to buy insurance plans so that he can pay low premiums.
Old or disabled people are covered in the state by Cover Colorado, a plan that offers insurance to people who cannot buy the same from private health insurers due to pre existing health conditions or are in the high risk category. One can buy affordable health insurance plans even if one is self employed, or have medical problems that require continuous coverage, ladies who are expecting or people who work for small businesses. People in Colorado can change their health insurance provider if they are unhappy with the present service or are getting cheaper health insurance coverage from another Colorado health insurance company.
