Choosing a health insurance plan for you or your family is an important decision. We’re here to help you enroll in the plan you’ve selected. Individual & Family plans are available to purchase directly through RMHP by contacting our dedicated Individual & Family Sales team; by visiting the State’s health insurance exchange, Connect for Health Colorado; or by getting in touch with your local broker.  

Enroll with RMHP

There are two time frames during which you can enroll in an RMHP Individual & Family plan:

1. During the annual Open Enrollment Period, which is November 1, 2017 - January 31, 2018 for 2018 coverage.
2. You’ve experienced a triggering event, such as getting married or the birth of a child. You can find examples of triggering  events, as well as any required documentation, below.
   
   

Triggering Events

If you experience a triggering event outside of the Open Enrollment Period, you can apply for Individual & Family coverage 60 days in advance in many cases.

Triggering events include:

1. Involuntary loss of health insurance coverage for any reason, aside from fraud, misrepresentation, or nonpayment of premium.
   You 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. Individual experiencing a plan renewal from a non-calendar year group plan.
   You 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 foster care
   • Court order
   • Entering into a designated beneficiary agreement

   With the exception of Birth, you may apply up to 30 days prior to and 60 days after this event. For Newborns, applications can be submitted on the day 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;
     • The first day of the month following the signed court order if signed between the 1st and 15th of the month; or
     • The first day of the 2nd month following the signed court order, if signed between the 16th and 31st of the month.
   • Designated Beneficiary - 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:

• You 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 of your move.

Required Documentation*

• Adoption – Placement paperwork
• Court order – Court order paperwork
• Designated beneficiary – RMHP Designated Beneficiary Form
• Common Law Marriage - Affidavit of Common Law Marriage
• Loss of Minimum Essential Coverage - Letter or other document from an employer stating the employer dropped or will drop coverage or benefits for the employee or employee's spouse or dependent family member, including date coverage ended or will end
• Marriage - Copy of Marriage License
• Permanent Change in Residence - Proof of both prior residence and new residence including documentation noting the date of move to new permanent address
• Gaining Citizenship or Immigration status - Supporting governmental documentation
• Unintentional, inadvertent, or erroneous enrollment or disenrollment - Written statement to support the SEP
• Health plan contract violation - Documentation from the Colorado Insurance Commissioner

*RMHP may request any needed documentation after the application is received.

If you are enrolled or are 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.