Guest column: Optimism surrounds sixth open enrollment
Connect for Health Colorado is four weeks into this open enrollment period, and in Garfield County our early numbers are already above last year’s record-setting pace. The number of initial sign-ups is the strongest start to an open enrollment period we have seen since opening six years ago.
We don’t know for certain what has driven so much early interest, however our analysis of the rates and plans offered by our health insurance company partners, along with significant monthly cost savings for qualified Coloradans, may be part of it. On average, Connect for Health Colorado consumers renewing for 2019 — with financial help — will see a drop in their net premium of 24 percent.
It’s important for residents to know that Connect for Health Colorado is the only place to qualify for monthly cost savings on private health insurance. In 2018, the average monthly savings for Garfield County households was $765. As good as these averages are, it is as important as ever that our consumers review all their options and look beyond the premium alone and at the total cost of coverage and their own individual situation.
If you purchase your health insurance on the individual market and would like local expert assistance in Garfield County, local resources include:
• Thirteen independent, certified brokers (find them at ConnectForHealthCO.com)
• Mountain Family Health Centers in Glenwood Springs, Rifle, Basalt and Edwards
In addition to our in-person, local assistance, we offer an award-winning online tool that allows consumers to easily compare their health insurance options side-by-side. The platform walks members through a series of questions about themselves, their financial status, typical coverage needs, doctor preferences and necessary prescriptions.
Whichever way you prefer to enroll, remember that you must select a plan by Dec. 15 for an effective coverage date of Jan. 1, 2019. Plans selected between Dec. 16 and Jan. 15, 2019 (the end of open enrollment), will not have an effective date until Feb. 1, 2019.
The mid-term election
Last month’s election reminds us of our bipartisan roots and the continuing oversight of Connect for Health Colorado by representatives of both political parties.
In a recent blog, CEO Kevin Patterson writes, “It’s good to remember that the original idea for a state health insurance marketplace (they called it a “Connector” then) originated with a panel formed by Republican Gov. Bill Owens. Bill Ritter, a Democrat, occupied the governor’s mansion when the group delivered its recommendation and our outgoing Gov. John Hickenlooper was in office to sign the legislation when Republican and Democratic legislators passed a bill creating the Colorado Health Benefit Exchange, which does business as Connect for Health Colorado. That bill ensures that legislators in the minority and in the majority party share seats on our 10-member legislative oversight committee and each party names members to our board of directors.”
If anything has been constant in our organization’s history it is the inevitability of change, whether it’s in market dynamics, regulation, or the public policy environment. In the past, when confronted with change we thrived.
Connect for Health Colorado is a public, nonprofit entity established by the Colorado General Assembly in 2011 to create a health insurance marketplace. We are Colorado’s official health insurance marketplace, and the only place to apply for financial help to lower the monthly cost of premiums. Consumers can shop online; get help by phone or online chat from our customer service center representatives; and access expert, in-person help from a statewide network of certified brokers and community-based assisters. For more information, go to: ConnectforHealthCO.com.