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Special Enrollment Loopholes for Individuals and Families

Special Enrollment Loopholes for Individuals and Families

March 16th, 2022 – Today marks the end of Colorado’s emergency Special Enrollment Period for people impacted by Colorado wildfires or the COVID-19 pandemic.

While Open Enrollment for next year will not re-open until November 1st, that doesn’t necessarily mean that individuals will be unable to get health insurance until then.  In addition to normal Special Enrollment Period qualifying events that allow Coloradans to enroll for new health insurance, there are two more options.


Up until April 15th, if you haven’t filed your personal income taxes yet there is a new Tax Time Enrollment that allows Coloradans to check a box on their state tax return that they are uninsured and interested in finding out if they qualify for free or low-cost health coverage.

2022 Tax Time Enrollment Colorado

Don’t Delay!  If you checked that box and filed your taxes by April 15th then you should be eligible for a 60 day Special Enrollment Period.  Colorado Health Insurance Brokers, who are Authorized Agents with Connect for Health Colorado, can help you get new coverage and tax credits that you’re eligible for.


For Coloradan’s with income up to 150% of the Federal Poverty Level, open enrollment will remain open for the rest of the year.  The yellow column in the chart below shows the maximum incomes by size of household. As an example a single person with annual income up to $19,320 can enroll year around in 2022, as can a family of 4 with combined household income up to $39,750.

Income Chart for 150% of Federal Poverty Level

Those whose incomes are too high to qualify for Health First Colorado, but below the income levels indicated in the yellow column of the chart above, should qualify for large federal tax credits to make their health insurance affordable (often with plan options with $0/month premiums), and cost sharing reductions to reduce out of pocket expenses.

Get a no obligation health insurance quote today and let us show you all your individual and family plan options.

Please note that this year-around open enrollment is not available to those enrolled in Health First Colorado, Medicare or “affordable” employer provided health insurance that meets the minimum value.

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