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Make sense of health coverage. Keep more of your money. 

To get the most from your upcoming insurance review these clear, practical explainer videos will give you the confidence to understand how health insurance policies work and how premium tax credits actually work.

Featured videos

Health Insurance Explainer

Deductibles, copays, coinsurance, out-of-pocket maximums and networks. Understanding these basics can help you choose the right plan and use your health insurance with confidence.

Premium Tax Credits Explainer

A practical walk-through of who qualifies, how subsidies reduce monthly premiums, and why where you source your health insurance matters. Avoid costly “gotchas” and get the most bang for your premium dollar.

Federal Premium Tax Credits are NOT available to people eligible for Health First Colorado (Medicaid), Medicare or who have access to affordable coverage through their or a spouse’s employer.

Federal Premium Tax Credits are based upon your tax household’s Modified Adjusted Gross Income (MAGI).  MAGI is your Adjusted Gross Income (AGI), plus any tax-exempt foreign income, tax-exempt Social Security benefits and tier 1 railroad retirement benefits, tax-exempt interest. However, MAGI excludes Supplemental Security Income (SSI).

Adjusted Gross Income (AGI) – Generally appears on IRS Form 1040 on line 11.

Adjust your estimate for any changes you expect like raises or financial windfalls.

Report income and household changes on your Connect for Health Colorado marketplace insurance application as soon as possible. If you don’t, you could wind up with the wrong amount of savings or even the wrong insurance plan.

Colorado Health Insurance Brokers does not provide tax guidance. Consult with a qualified tax professional for any tax-related questions.