If you're a self-employed worker in Colorado, you may have questions about how to find the health insurance coverage that’s right for your lifestyle. Discover how to compare costs for coverage and resources and tips you may want to consider to help you save money and find the coverage that’s right for you.
Costs will vary, but these factors can influence your monthly premium:
Your monthly premium is certainly an important cost to consider – but you should also be familiar with other potential out-of-pocket costs when comparing individual health plans.
If you’re unfamiliar with health insurance terminology, it may be beneficial to check out some of the most common health insurance terms here.
Once you’ve made note of the monthly premiums for plans you’re considering, it’s helpful to review a plan’s deductible. To find the right deductible, think about what you expect your health needs to look like for the year.
For example, a high-deductible health plan can be a good choice for healthy individuals who don’t seek care often. On the other hand, if you have health concerns that require regular doctor visits and prescriptions, a plan with a higher monthly premium and lower deductible may make better financial sense.
Next, consider each plans’ copays for doctor visits, specialists, urgent care, and emergency care. At Rocky Mountain Health Plans (RMHP), we strive to offer a variety of plans with low copays to help you make the most of your plan for routine, non-emergent care.
Healthcare costs can quickly add up. Fortunately, there are options and resources to consider to help you save money:
Start the conversation early with your broker, if you choose to use one, about 2021 health insurance coverage.
Choosing a plan is an important decision that requires careful research and consideration. If you have questions about finding the 2021 individual health insurance plan that’s right for you, RMHP is here to help. Find answers to your questions by contacting our friendly, knowledgeable, and local Customer Service team.