Colorado HealthOP Offers Lowest “Silver” Insurance Rates in Colorado

Colorado’s only health insurance cooperative features low rates eight of nine insurance rating areas

DENVER--()--Colorado’s Division of Insurance (DOI) today released the official 2015 health insurance rates, and Colorado HealthOP will have the lowest rates for the popular, mid-level “Silver” plans in nearly all regions across the state. Listed under its legal name, Colorado Health Insurance Cooperative, Inc., Colorado HealthOP’s rates overall will be an average of 10 percent lower than they were in 2014.

“We think health insurance should be affordable to all Coloradans and we designed our plans and prices to reflect this value.”

As an example, a 25-year-old in Denver would pay $173 a month for a Silver Exclusive Provider Organization (EPO) plan and 40-year-old would pay $220 a month. This is nearly a 20 percent decrease from the same plans in 2014. The EPO plans provide members with access to a select network of healthcare providers and facilities. In the mountain resort area, where residents paid some of the highest rates in the country last year, some plan premiums dropped as much as 40 percent. Colorado HealthOP offers 80 individual insurance plans and 18 small group plans at all metal tiers, including catastrophic plans starting at $107 a month.

Now in its second year of operations, Colorado HealthOP designed and priced its 2015 plans based on insights gained from new data and input from its nearly 15,000 members.

“Because we are a member-focused and member-governed cooperative, we consistently look for innovative ways to provide high-quality and affordable coverage for our members,” said Julia Hutchins, CEO of Colorado HealthOP. “By listening to our members, we were able to design some unique options that should appeal to Coloradans across the state.”

The second-lowest-cost Silver plan is closely watched by industry experts because it is the benchmark that helps determine how much assistance eligible individuals (those with incomes from 100 percent to 400 percent of the poverty level) can receive in the form of federal tax credits to help them buy coverage.

“It pays to shop around,” said Hutchins. “We think health insurance should be affordable to all Coloradans and we designed our plans and prices to reflect this value.”

Highlights of the 2015 plans include some of the following features, depending on the plan:

  • Free generic preventative drugs for chronic conditions including:
    • Cholesterol
    • Diabetes
    • Asthma/COPD
    • High blood pressure
    • Depression
  • One additional free primary care visit
  • Improved mental health coverage
  • Chiropractic coverage
  • Acupuncture coverage
  • Flex plans with a $900 debit card that can be used for medically qualified health expenses

Colorado HealthOp also constructs many of its plans to become even more affordable by asking members to take an active role in their health. By completing three preventive health actions—an online health survey, a biometric blood test, and a wellness visit with a primary health care provider—members can receive enhanced benefits including one or more of the following examples: lower deductible, lower out-of-pocket costs, additional primary care visits, or additional drug coverage.

Enrollment for Colorado HealthOP’s new health insurance plans will begin Nov. 15, 2014, but consumers can begin shopping the plans on its website on Oct. 1. Coverage will begin Jan. 1, 2015. Plans will be available at as well as through the Connect for Health Colorado online marketplace. To learn more about qualifying for a health insurance tax credit, contact Colorado HealthOP at (855) 796-7676.

For more information about Colorado HealthOP, visit

About Colorado HealthOP

Colorado HealthOP is Colorado’s first statewide nonprofit health insurance CO-OP. As a member-governed alternative to traditional health insurance, Colorado HealthOP and its members are committed to providing affordable, quality coverage to individuals and employers interested in making a difference in their own health, their employees’ health and the health of their community. The CO-OP aims to improve health outcomes by putting the responsibility for consumers’ care back into the hands of its members and providers. For more information about Colorado HealthOP, please visit or call 720.627.8900.


Colorado HealthOP
Tracy Faigin Boyle, 303-888-4803