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Health Insurance - Plans and Premium Information

PRELIMINARY 2025 HEALTH INSURANCE INFORMATION - INDIVIDUAL AND SMALL GROUP

The Colorado Division of Insurance (DOI) has completed its initial review of the health insurance plans that the companies have filed for 2025. The information below highlights the key information about the number of companies, plans and the premium changes the companies are requesting. 

On July 25, 2024, the DOI will hold a virtual stakeholder meeting from 9:30-11:30 a.m. MDT, to share preliminary information regarding health insurance for 2025. This meeting will focus on highlights and trends the DOI has identified in its initial review of the information Colorado health insurers have submitted for 2025. People interested in attending this July 25 stakeholder meeting should register (via Zoom) using the following link - Register for July 25 Stakeholder Meeting.

Through the rest of summer and into the fall, the DOI will continue to review the information the insurance companies have submitted, and expects to release the final, approved plans and premiums in mid-October, ahead of the Nov. 1 start to the annual open enrollment period for the individual market.  

Individual Market Plans

Individual market health insurance plans are for people who do not get insurance from an employer. 

On-Exchange - Number of Plans

On-Exchange - Number of individual market health plans for 2025

Off-Exchange - Number of Plans

Off-Exchange - number of individual health insurance plans for 2025

Individual Plans - Total for 2025

Individual Plans - Total for 2025

Consumer Impact* - Average Premium Change Requests

Individual market - average premium changes by company and total statewide average

* Consumer Impact is defined as the enrollment-weighted rate change based on all plans, including both continuing and discontinuing plans from the previous plan year. It reflects the impact on a typical consumer, taking into account if a consumer’s current policy will be discontinued in the upcoming plan year.

Colorado Option Plans vs. Non-Colorado Option Plans

Colorado Option Plans vs. Non-Colorado Option Plans

Percentage of Current Enrollees with Accessibility to Multiple Insurance Companies

Percentage of Coloradans with Accessibility to Multiple Insurance Companies
Percentage of Coloradans with accessibility to multiple insurance companies

Small Group Plans

Small group health insurance plans are for small employers with less than 100 employees. 

On-Exchange - Number of Plans

Small Group On-Exchange - Number of Plans

Off-Exchange - Number of Plans

Small Group Off-Exchange - Number of Plans

Small Group Plans - Total for 2025

Small Group Plans - Total for 2025

Consumer Impact* - Average Premium Change Requests

Small Group market - average premium changes by company and total statewide average

* Consumer Impact is defined as the enrollment-weighted rate change based on all plans, including both continuing and discontinuing plans from the previous plan year. It reflects the impact on a typical consumer, taking into account if a consumer’s current policy will be discontinued in the upcoming plan year.

Percentage of Current Enrollees with Accessibility to Multiple Insurance Companies

Percentage of Current Enrollees with Accessibility to Multiple Insurance Companies
Percentage of Colorado Small Employers with Accessibility to Multiple Insurance Companies