Types of Health Insurance

Employer-Based Health Insurance

Health insurance provided by an employer, often part of a package of benefits that can include other insurance and services.  The employer may pay part of the premiums.  It can be large-group insurance (100 or more employees) or small-group insurance (99 or fewer employees).  Typically, employees will choose from insurance plans chosen by the employer.

Government Health Plans

Plans administered by the government such as Medicaid, Medicare or programs for members of the military and their families.

Individual Health Insurance

Insurance that is purchased by an individual for single-person coverage or coverage of a family.  The individual pays the entire premium, as opposed to employer health insurance where the employer often pays a share of the premium.  Individuals may shop for and purchase insurance from any plans available in the individual's geographic region. Plans can be purchased through Connect for Health Colorado, through an insurance agent / broker, or directly from an insurance company. 

Senior Healthcare / Medicare

This is Medicare, which is a health insurance program for people age 65 or older or people under 65 with certain disabilities or end-stage renal disease (permanent kidney failure requiring dialysis or a transplant).  For more information visit our Senior Healthcare / Medicare page.

 


Contact Information
Division of Insurance, Colorado Department of Regulatory Agencies
1560 Broadway, Suite 850
Denver, CO 80202