Compare Colorado ACA Health Insurance Quotes
Enter your ZIP code to see 2026 individual and family plans available in your county, with real premiums and subsidy estimates. No account required.
Premiums and subsidy estimates come from Connect for Health Colorado's plan data for your county. Final amounts are set when you enroll. Estimates assume no tobacco use.
Premiums and subsidy estimates are pulled from Connect for Health Colorado's plan data for your county. Having trouble? Call (855) 847-7020 and we'll run it for you.
See every carrier
Quotes pull the on- and off-exchange individual plans filed for your Colorado county — not just one carrier's lineup.
Check your subsidy
Enter household size and estimated income to see the advance premium tax credit you qualify for before you enroll.
Enroll with an agent
Our help costs you nothing. Premiums are set by the carrier and are identical whether you use an agent or not.
How Much of Your Income Goes Toward Premiums in 2026?
The Advance Premium Tax Credit (APTC) caps what you pay for the benchmark Silver plan at a set percentage of household income. The enhanced subsidies in place from 2021 through 2025 expired at the end of 2025, so the 2026 percentages are higher in every income band and the 400% FPL “subsidy cliff” is back — households above that line get no premium tax credit.
| Household Income (% of Federal Poverty Level) | Applicable Percentage 2021–2025 | Applicable Percentage 2026 |
|---|---|---|
| Under 133% FPL | 0% | 2.10% |
| 133% – 150% FPL | 0% | 3.14% – 4.19% |
| 150% – 200% FPL | 0% – 2% | 4.19% – 6.60% |
| 200% – 250% FPL | 2% – 4% | 6.60% – 8.44% |
| 250% – 300% FPL | 4% – 6% | 8.44% – 9.96% |
| 300% – 400% FPL | 6% – 8.5% | 9.96% |
| 400% FPL and higher | 8.5% | Ineligible for APTC |
Example: a household at 250% FPL pays about 8.44% of income for the benchmark Silver plan in 2026, up from 4% in 2025. If your income lands near 400% FPL, an HSA or traditional IRA contribution lowers your modified adjusted gross income and may keep you subsidy-eligible — talk to us before you enroll.
Not sure where you fall? Run a quote above with your household size and estimated income and the tool calculates your 2026 tax credit automatically, or call (855) 847-7020.
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Tell us what you need and a licensed Colorado agent will send a side-by-side comparison, usually the same business day.
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