Health Coverage Guide Program

You need health insurance. We can help you make sense of it.

If you are uninsured or experience a qualifying event, you may be eligible to shop for a new health insurance plan outside of open enrollment. Qualifying events include, but aren’t limited to, a job change, loss of your current insurance or Medicaid coverage, or a new pregnancy. 

Grand County Rural Health Network’s certified Health Coverage Guides can help at any time! Please make an appointment using the links below or call 970-725-3477. 

Key things you need to know to make informed decisions about your health coverage this year:

  • Open Enrollment Dates. Each year, open enrollment begins on November 1 and ends on January 15. December 15 is the deadline for enrolling in a plan with a January 1, start date. January 15 is the deadline for enrolling in a plan with a February 1 start date.  
  • New Plan Options and Financial Help. There are new plan options and increased financial assistance available, even for people with higher incomes. We encourage you to explore these options early.
  • Family Glitch. More families with employer-sponsored insurance may be eligible for financial help, including those who previously couldn’t qualify. This is due to a change in the ‘family glitch’ policies.
  • Carriers in Grand and Jackson County: The carriers for Grand County in 2024 are Anthem, Rocky Mountain Health Plans/United Healthcare, and Elevate Health/Denver Health Medical Plans. Elevate Health is a secondary company to Denver Health. The carrier for Jackson County is Anthem.
  • Type of Plans: Expect to see various plan types in the Grand County marketplace, including the Colorado Option, Health Savings Account (HSA), OmniSalud, Silver Enhance Savings for Colorado immigrants, and Peak Health Alliance
  • Peak Health Alliance Plans: These plans may offer low-cost options, but they have limited in-network providers in Grand County. It’s important to consider this when choosing a plan.
  • Considerations for Choosing a Plan: Price, in-network coverage, and prescription coverage are essential factors that impact your out-of-pocket expenses. Ensure your primary care provider, specialists, and prescriptions are covered by the plan you choose.
  • Getting Assistance: If you have questions or need assistance, you can contact a broker or schedule an appointment with a Health Coverage Guide.

Get the Help You Deserve!
You can receive financial help to lower the cost of your health insurance plan! Even if you didn’t qualify in the past, you may now. Here’s what you should know:

  • There’s no income cap to qualify.
  • Coloradans of most income ranges are eligible for reduced premiums.
  • Coloradans with income below a certain threshold can qualify for plans with $0 premiums.
  • We can help you get a quick estimate of your savings.
  • Customers save more when they work with a certified expert.

Introducing OmniSalud!

OmniSalud is a new program that provides undocumented Coloradans with a safe way to compare and buy affordable health insurance on a secure online platform. Contact Pamela to learn more by phone 970-725-3477 or email

Take Action - don't risk a gap in your health coverage

Attention Medicaid members: 
Don’t risk a gap in health coverage! Get ready for renewals.

• Look out for official mail, email, or texts that tell you that it’s time to renew your health coverage.

• If you get a renewal packet, fill it out, sign it and return it right away. You will need to share updated information for you and your family members to keep your health coverage.

• The envelope will say “URGENT-PLEASE REPLY” in red capital letters.

For help with your renewal or to explore your options in Connect for Health Colorado, schedule an appointment with our team by phone at 970-725-3477 or by clicking a link above.

As part of Connect for Health Colorado’s statewide network, we are here to help you explore your options for health insurance and financial assistance.

Connect for Health Colorado Customer Service Center:

“Your guidance in the last 24 hours saved me nearly $300 per month. That goes directly into my son’s college fund, so your kindness helps two generations of my family.”

-Health Coverage Guide client

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Donna’s Story

Donna (not her real name) called our office in tears in late August 2018 because she had lost her Medicaid coverage. Donna was worried because she wasn’t able to afford her prescriptions without her insurance and felt the stress of it all might cause her to relapse on...

Mark’s Story

There is nowhere Mark Davis would rather live than the mountains of Colorado. Now 60 years old, Davis is a carpenter who specialized in remodeling houses in the Front Range and, later, in Grand County. For nearly 10 years, he lived near Grand Lake in an apartment with...

Lisa’s Story

What spurred the creation of this video was simply a phone call made by a grateful client to someone on our Network staff, calling just to say "thank you" for our help. We were pleased that Lisa was willing to share her story of her "trials and tribulations" (as she...

Bob’s Story

Listen as Bob shares in the video about how he didn't realize he needed support until he met our Care Coordinator John.

Maria’s Story

Following a car accident in March 2018, Maria (not her real name) was referred to the Grand County Rural Health Network by Middle Park Health’s Kremmling Clinic for financial assistance to obtain prescription medications due to severe injuries, including a blood clot...