How Can I Apply for Health Insurance?

The RMHP enrollment process is easy!

Get an instant quote here. Just select the plan you like and review the details to begin the application.

To speak with a licensed RMHP Individual & Family Sales Representative, call 8:00 a.m. to 5:00 p.m. Mountain Time at 800-453-2981, option 4, or send an Email to IndividualSales@rmhp.org


Open enrollment for RMHP Individual & Family plans begins November 1, 2015 through January 31, 2016.

Child-only coverage will be offered to all children to age 21. Parents can enroll all children on one application with premium due on the three oldest children under age 21. RMHP Coverage will be provided on a guaranteed issue basis. There are no limitations or riders based on health status.

Outside of the open enrollment period, applications will be accepted with these triggering events:

  1. Involuntary loss of creditable coverage for any reason other than fraud, misrepresentation, or failure to pay premium
    • May apply up to 60 days prior to and after this event
    • Coverage will be effective on the first day of the month following the event or the first day of the month following application if applying after the day of the event.
  2. Individuals experiencing an Individual or Employer Group plan renewal
    • May apply up to 60 days prior to and after this event
    • Coverage will be effective on the first day of the month following the event or the first day of the month following application if applying after the day of the event.
  3. Individual gains a dependent or becomes a dependent through:
    • Marriage/Civil Union
    • Birth
    • Adoption or placement for adoption or placement in foster care
    • Court Order
    • Entering into a Designated Beneficiary agreement
      • With the exception of Birth, applications can be received up to 30 days prior to and 60 days after this event. For Newborns, applications can be submitted on the date of birth and up to 60 days after the event.
      • Coverage will be effective as follows:
        • Marriage/Civil Union - Effective on the first day of the month following the event.
        • Birth/Adoption/Placement for Adoption or Foster Care - Effective either on the date of the event or the first day of month following the event, if requested by the primary applicant.
        • Court Order - Effective on either:
          • The date of the signed court order or;
          • The first day of month following the signed court order if signed between the 1st and 15th of the month.
          • The first day of the 2nd month following the signed court order, if signed between the 16th and 31st of the month.
        • Designated Beneficiary – Coverage will be effective on the first day of the month following the event or date of application.
  4. Enrollment or disenrollment is unintentional, inadvertent, or erroneous and is the result of an error made by the Carrier, Producer, or Connect for Health Colorado
  5. Demonstrating to the Colorado Insurance Commissioner that the health plan violated a material part of its contract
  6. Gaining access to other creditable coverage as a result of a permanent change in residence
  7. Gain of citizenship or immigration status
  8. American Indians/Native Americans may enroll in a new plan or change from one QHP to another once a month

Triggering Events 4 through 8:

  • May apply up to 30 days prior to and 60 days after this event
  • Coverage will be effective on the first day of the month following the event or the first day of the month following application if applying after the day of the event.
  • Permanent Change in Residence: In addition to the coverage effective dates noted here, RMHP will provide coverage on the date of the event if requested by the primary applicant.


Timeline to Apply


  • Within 60 days of the event or 30 days prior to an event when an individual is notified or becomes aware of an event that will occur in the future (Advance enrollment time frames vary depending on the qualifying event - see Qualifying Events and Enrollment timelines here.)

What Documentation is Needed

  • Adoption - Placement paperwork
  • Court Order - Court order paperwork
  • Designated Beneficiary - RMHP Designated Beneficiary Form
  • Common Law Marriage - Affidavit of Common-Law Marriage
  • Unintentional, Inadvertent or Erroneous Enrollment or Disenrollment - Written statement to support the triggering event
  • Health Plan Contract Violation - Documentation from Colorado Insurance Commissioner

*For all other triggering events, RMHP will request any needed documentation after the application is received.


Applying for Coverage through Connect for Health Colorado?
If you are enrolled or enrolling in a plan through Connect for Health Colorado, additional triggering events may apply, and the effective dates of coverage may vary from those listed above. For more information on Connect for Health Colorado’s triggering events and effective dates, please contact their Customer Service at (855) 752-6749.