Looking for the best individual health insurance options in Denver to use with an ICHRA? You're in the right place - and there's good news! The individual coverage HRA (ICHRA for short) is taking off where you live, thanks to a vibrant local individual health insurance market. That means more ACA-compliant, high quality health insurance choices for employees.
| We've put together this guide to help employees orient themselves to the local individual health insurance market in Denver to use with their Individual Coverage HRA. Health insurance can be confusing, and many employees offered an ICHRA will be buying their own health insurance for the first time. We've got you covered! |
Who this guide is for:
- Employees shopping for health insurance to use with their ICHRA
- Employers wanting to help their employees make educated decisions about their health plans to use with their ICHRA
- Employers of any size considering implementing an ICHRA
What this guides covers:
- What is an ICHRA?
- 2022 Denver individual insurance options
- Denver insurance market snapshot
- Denver health insurance carriers
- Cost of individual insurance in Denver across carriers
- List of hospitals in network with carriers
What is an ICHRA?
First things first. An Individual Coverage HRA (ICHRA, for short) is a fundamentally new model of benefits that allows employers to set aside tax-free dollars to reimburse employees for health plan premiums that individuals choose themselves. That means employees get to choose the best plan for their family, their unique health needs, and their budget.
2022 Denver individual health insurance options for ICHRA
The same eight carriers are remaining in Denver for next year, several are expanding their footprint, and premiums remain stable.
This builds on an ongoing trend, signaling the health and affordability of the individual health insurance market. More and more employers in Denver are realizing their benefits dollars stretch further on the individual health insurance market instead of group plans, and this brings ample employee benefits too, like personalization and choice.
Disclaimer: These rates are estimates for Denver County in 2021 in the 80013 zip code. Your premiums may vary and we expect slight changes for 2022. See our window shopping tool to check for exact premium rates in your area.
→ More on ICHRA Colorado Trends
Market Snapshot
Denver's competitive individual health insurance market and innovative carrier lineup mean more choices for employees. The infographic below demonstrates the wide range of carriers, network types, and average lowest cost premiums by tier.
Pro-tip: To calculate costs for adding a spouse or family to a plan, use double the rate for married, or triple for families.
There are more ICHRAs per capita among our clients in Colorado than any other else in the country, and Denver leads the state.
Disclaimer: Plan information is based on 80013, the most populated zip code in Denver. Rates will vary by zip code and county.
Remember, all of the plans listed here are ACA-compliant, meaning they cover pre-existing conditions and 10 essential benefits. These benefits include coverage with no annual cap for the following:
- Ambulatory patient services (outpatient services)
- Emergency services
- Hospitalization
- Maternity and newborn care
- Mental health and substance use disorder services, including behavioral health treatment
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care
Have questions? Get in touch.Employees: If you are an employee looking to sign up for individual health insurance in Denver to use with your ICHRA, our enrollment team is standing at the ready to help. You can set up a call with enrollment team here. Business owners: If you're a business owner and have questions about ICHRA, please schedule a time to chat with our HRA Design team to see if ICHRA is a good fit for you. Brokers: If you're a broker considering ICHRA as an option for a client, submit an HRA Design request to see if this is a good fit for your client. |
The lineup: Denver’s best individual health insurance carriers to use with ICHRA
All eight carriers that offered individual health plans in Colorado in 2021 are returning for 2022.
These include (in alphabetical order):
- Anthem BlueCross BlueShield
- Bright Health Plans
- Cigna
- Denver Health Medical Plan
- Friday Health Plans
- Kaiser Permanente
- Oscar
- Rocky Mountain Health Plans
Here's a Denver health insurance infographic for a quick visual.
| Anthem BlueCross BlueShield | Bright | Cigna | Denver Health Medical Plans | Friday | Kaiser Permanente | Oscar | Rocky Mountain Health Plans | |
| Recommended for ICHRA | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | |
| Easy Enroll | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | |
| AutoPay eligible | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | |
| Off-exchange options | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
*Autopay is a new feature on our platform that enables employers to take advantage of ICHRA and all its benefits without asking their employees to pay premiums out of pocket and wait for reimbursements.
One simple monthly payment that covers all of the reimbursements for insurance premiums (and medical expenses) for all employees. Our platform will manage the payments for employees' health benefits, reconciling their premiums and allowance with payroll. Learn more here.
*Easy Enroll is a plan feature that allows employees on the Take Command platform to enroll directly in the portal with no further steps needed. This is the simplest type of plan to choose.
*Off-exchange options are important for employees that choose a plan that costs more than their allowance, since they'll have to put in some of their own money to cover the difference. That difference can be tax-free when combined with a Section 125 payroll deduction but only for off-exchange plans (due to some ACA restrictions).
Here's another handy infographic that includes some of our favorite things about each individual health insurance carrier in Denver.
.png?width=1231&name=Denver%20Carriers%20(1).png)
How much does individual health insurance cost in Denver per carrier?
While 2022 rates haven't been released yet, these are the lowest cost plans per metal tier for 2021 for each carrier in Denver. We expect these to change only slightly from this past year. We will update this section as new information is released for 2022.
Note: The below rates are 2021 estimates based on Denver zip code 80013 only.
What we love:
- Anthem Skill for Alexa
- 24/7 Virtual care
- 24/7 Nurse line
- AutoPay eligible
- Easy Enroll options
- Recommended for ICHRA
Lowest cost by metal tier for Anthem BlueCross BlueShield in Denver
| Age | Bronze | Silver | Gold |
| 20 | $210 | $220 | n/a |
| 30 | $240 | $260 | n/a |
| 40 | $270 | $290 | n/a |
| 50 | $380 | $410 | n/a |
| 60 | $580 | $620 | n/a |
What we love:
- Visits to the MinuteClinic or The Little Clinic are just $25 or less on most plans
- $0 mental health options on most plans
- Adult dental and vision options
- Easy Enroll options
- Recommended for ICHRA
Lowest cost by metal tier for Bright HealthCare in Denver
|
Age |
Bronze | Silver | Gold |
| 20 | $200 | $220 | $290 |
| 30 | $230 | $260 | $330 |
| 40 | $260 | $290 | $380 |
| 50 | $360 | $400 | $520 |
| 60 | $550 | $610 | $800 |
What we love:
- 24/7 free national Veteran support line
- 22 US Service Centers available
- 175k mental and behavioral health providers
- AutoPay eligible
- Easy Enroll options
- Recommended for ICHRA
Lowest cost by metal tier for Cigna in Denver
|
Age |
Bronze | Silver | Gold |
| 20 | $230 | $260 | $320 |
| 30 | $270 | $310 | $380 |
| 40 | $300 | $350 | $430 |
| 50 | $420 | $490 | $600 |
| 60 | $640 | $740 | $900 |
What we love:
- Local, non-profit health insurance company
- Integrated Care
- Earn rewards for tracking your physical and mental health
- Local hospital coverage in Emergency situations only, meaning certain plans may cover a portion of an ER visit.
- In network with Denver Health clinics or urgent care facilities
Lowest cost by metal tier for Denver Health Medical Plan in Denver
|
Age |
Bronze | Silver | Gold |
| 20 | $200 | $230 | $270 |
| 30 | $240 | $270 | $320 |
| 40 | $270 | $300 | $360 |
| 50 | $370 | $420 | $500 |
| 60 | $570 | $640 | $770 |
What we love:
- Unlimited in-network $0 doctor visits and virtual doctor visits on most plans
- Free mental health visits
- Easy Enroll options
- Recommended for ICHRA
Lowest cost by metal tier for Friday Health Plans in Denver
|
Age |
Bronze | Silver | Gold |
| 20 | $200 | $230 | $300 |
| 30 | $230 | $270 | $350 |
| 40 | $260 | $300 | $390 |
| 50 | $360 | $420 | $550 |
| 60 | $550 | $640 | $830 |
What we love:
- In network with any Kaiser Permanente health facility in multiple geographies across the country
- Integrated structure
- Easy Enroll options
Lowest cost by metal tier for Kaiser Permanente in Denver
|
Age |
Bronze | Silver | Gold |
| 20 | $230 | $260 | $290 |
| 30 | $270 | $300 | $340 |
| 40 | $300 | $340 | $380 |
| 50 | $420 | $470 | $540 |
| 60 | $640 | $720 | $810 |
What we love:
- Talk to a doctor 24/7 for $0
- Free telehealth
- Earn $1 a day for meeting your step count goals (up to $100!)
- Prescription refills over the phone
- Great customer service
- AutoPay eligible
- Easy Enroll options
- Recommended for ICHRA
Lowest cost by metal tier for Oscar in Denver
|
Age |
Bronze | Silver | Gold |
| 20 | $210 | $230 | $320 |
| 30 | $240 | $270 | $380 |
| 40 | $270 | $300 | $420 |
| 50 | $380 | $420 | $590 |
| 60 | $580 | $640 | $900 |
What we love:
- Partners with United Health Care
- Earn rewards for tracking healthy activities
- Free "Doctor on Demand"
- Easy Enroll options
- Recommended for ICHRA
Lowest cost by metal tier for Rocky Mountain Health Plans in Denver
|
Age |
Bronze | Silver | Gold |
| 20 | $220 | $250 | $310 |
| 30 | $250 | $290 | $360 |
| 40 | $290 | $330 | $410 |
| 50 | $400 | $460 | $570 |
| 60 | $610 | $690 | $870 |
For rates in your area based on your age, family size, and other variables, check out our window shopping tool!
What health plans are in network with your hospitals in Denver?
Part of the beauty of choosing your own health plan is that you can make sure your hospitals are in network. Below you'll find the hospital networks for each Denver health insurance carrier.
Disclaimer: Coverage varies across plans so we highly recommend you check with your provider.
AnthemBlueCrossBlueShield |
Bright Health Plans
|
Cigna
|
Denver Health Plan
|
Friday Health Plans
|
Kaiser Permanente
|
Oscar
|
Rocky Mountain Health Plans
|
|
| Network | HMO | EPO | EPO | HMO | HMO | HMO | EPO | HMO |
|
Anderson Medical Center - Boulder Heart
|
✔️ | |||||||
|
Arapahoe Mental Health Center
|
✔️ | |||||||
|
Aurora Community Mental Health
|
✔️ | |||||||
|
Aurora Endoscopy Center
|
✔️ | |||||||
| Aurora MHC | ✔️ | |||||||
|
Avista Adventist Hospital
|
✔️ | |||||||
|
Boulder Community Foothills Hospital
|
✔️ | |||||||
|
Boulder Community Health
|
✔️ | |||||||
|
Boulder Community Hospital
|
✔️ | |||||||
|
Castle Rock Adventist Health Campus
|
✔️ | |||||||
|
Castle Rock Adventist Hospital
|
✔️ | ✔️ | ||||||
|
Centennial Health Care Plaza
|
✔️ | |||||||
|
Centennial Hospital
|
✔️ | ✔️ | ||||||
|
Centennial Peaks Hospital
|
✔️ | |||||||
|
Center for Autism and Related Disorders
|
✔️ | |||||||
|
Centura Center for Therapy at Castle Rock
|
✔️ | |||||||
|
Centura Health - St Anthony Hosp - Rehab Unit
|
✔️ | |||||||
|
Centura Health - St Anthony Hospital
|
✔️ | |||||||
| Changes Denver | ✔️ | |||||||
|
Children's Colorado Emergency Care at Parker Adventist Hospital
|
✔️ | |||||||
|
Children's Colorado Health Pavilion
|
✔️ | ✔️ | ||||||
|
Children's Colorado Orthopedic Care, Centennial
|
✔️ | |||||||
|
Children's Colorado Outpatient and Urgent Care at Uptown, Denver
|
✔️ | |||||||
|
Children's Colorado Outpatient and Urgent Care, Wheat Ridge
|
✔️ | |||||||
|
Children's Colorado Therapy Care, Highlands Ranch
|
✔️ | |||||||
|
Children's Hospital Colorado Anschutz Medical Campus
|
✔️ | |||||||
|
Children's Hospital Colorado Anschutz Medical Campus, Aurora
|
✔️ | |||||||
|
Children's Hospital Colorado at Lutheran
|
✔️ | |||||||
|
Children's Hospital Colorado Main Campus
|
✔️ | |||||||
|
Children's Hospital Colorado South Campus, Highlands Ranch
|
✔️ | |||||||
|
Children's Hospital Colorado, Colorado Springs
|
✔️ | |||||||
|
Children's Hospital South Campus
|
✔️ | |||||||
|
Children's Colorado Therapy Care, Broomfield
|
✔️ | |||||||
|
Children's Colorado Health Pavilion - Aurora
|
||||||||
|
Children's Hospital at Parker Adventist Hospital
|
✔️ | ✔️ | ||||||
|
Children's Hospital Colorado
|
✔️ | |||||||
|
Children's Hospital Colorado Orthopedic Care
|
✔️ | |||||||
|
Children's Hospital Colorado Outpatient Specialty
|
✔️ | |||||||
|
Children's Hospital Colorado Parker Adventist
|
||||||||
|
Children's Hospital Colorado Therapy - Broomfield
|
✔️ | |||||||
|
Church Ranch Neighborhood ER Center
|
✔️ | |||||||
|
Clear View Behavioral Health
|
✔️ | |||||||
|
Colorado Acute Long Term Hospital
|
✔️ | |||||||
| Craig Hospital | ✔️ | ✔️ | ||||||
|
Denver Oncology PC
|
✔️ | |||||||
| Denver Springs | ✔️ | |||||||
|
Denver Springs - American Way
|
✔️ | |||||||
|
Denver Springs LLC
|
✔️ | |||||||
|
Denver Springs LLC - Northgate Drive
|
✔️ | |||||||
|
Eating Recovery Center
|
✔️ | ✔️ | ||||||
|
Encompass Health Rehabilitation Hospital of Littleton
|
✔️ | |||||||
|
Encompass Health Rehabilitation Hospital of Colorado Springs
|
✔️ | |||||||
|
Encompass Health Rehabilitation Hospital of Littleton
|
✔️ | |||||||
|
Good Samaritan Medical Center
|
✔️ | ✔️ | ||||||
|
Gunbarrel Family Medicine
|
✔️ | |||||||
|
Healthone Airlife
|
✔️ | |||||||
|
HealthONE Sky Ridge Medical Center
|
✔️ | |||||||
|
Highlands Behavioral
|
||||||||
|
Highlands Behavioral Health System
|
✔️ | ✔️ | ✔️ | |||||
|
Hospital Colorado Outpatient Spec & Therapy
|
✔️ | |||||||
|
Hospital Medicine Services
|
✔️ | |||||||
|
Jefferson Center fo rMental Health
|
✔️ | |||||||
|
Kindred Hospital - Denver
|
✔️ | |||||||
|
Kindred Hospital - Denver (Acute Rehab Unity)
|
✔️ | |||||||
|
Kindred Hospital Denver
|
✔️ | ✔️ | ✔️ | ✔️ | ||||
|
Kindred Hospital Aurora
|
✔️ | ✔️ | ✔️ | |||||
|
Life Care Center of Aurora
|
✔️ | |||||||
|
Littleton Adventist Hospital
|
✔️ | ✔️ | ||||||
|
Littleton Adventist Hospital Rehab
|
✔️ | |||||||
|
Littleton Adventist Hospital
|
✔️ | ✔️ | ||||||
|
Littleton Adventist Hospital - West Littleton ER
|
✔️ | |||||||
|
Longmont United Hospital
|
✔️ | |||||||
|
Lutheran Med Center (Hosp/Fac)
|
✔️ | |||||||
|
Lutheran Medical Center
|
✔️ | |||||||
|
Lutheran Hematology & Oncology
|
✔️ | |||||||
|
Medical Center of Aurora
|
✔️ | ✔️ | ||||||
|
Mile High Psychiatry
|
✔️ | |||||||
|
Mount Saint Vincent Home
|
✔️ | |||||||
|
National Jewish Health
|
||||||||
|
National Jewish Health - Hospital (FAC)
|
✔️ | ✔️ | ||||||
|
North Suburban Medical Center
|
✔️ | ✔️ | ✔️ | |||||
|
Ortho Colorado Hospital
|
✔️ | ✔️ | ✔️ | |||||
|
PAM Specialty Hospital of Denver
|
✔️ | ✔️ | ✔️ | |||||
|
Parker Adventist Hospital
|
✔️ | ✔️ | ||||||
|
Parker Adventist Hospital (Fac)
|
✔️ | |||||||
|
Peak View Behavioral Health
|
✔️ | |||||||
|
Platte Valley Medical Center
|
✔️ | |||||||
|
Porter Adventist BH
|
✔️ | |||||||
|
Porter Adventist Hospital
|
✔️ | ✔️ | ||||||
|
Porter Adventist Hospital Rehab
|
✔️ | |||||||
|
Presbyterian St. Luke's Medical Center
|
✔️ | |||||||
|
Reflective Wellness Mind and Body
|
✔️ | |||||||
|
Rocky Mountain Hospital for Children
|
✔️ | ✔️ | ||||||
|
Rose Medical Center
|
✔️ | ✔️ | ✔️ | |||||
|
Sandstone Care Colorado
|
✔️ | |||||||
|
SCL Health Community Hospital - Northglenn
|
✔️ | |||||||
|
SkyRidge Medical Center
|
✔️ | ✔️ | ✔️ | |||||
| Southlands ER | ✔️ | |||||||
|
Spalding Rehabilitation Hospital
|
✔️ | |||||||
|
St Anthony Hospital Central Inpatient Rehab IP
|
✔️ | |||||||
|
St Anthony Hospital
|
✔️ | |||||||
|
St Anthony North Health Campus
|
✔️ | ✔️ | ✔️ | |||||
|
St Francis Medical Center
|
✔️ | |||||||
|
St Joseph Hospital
|
✔️ | ✔️ | ||||||
|
Surgery Center of the Rockies LLC
|
✔️ | |||||||
|
Swedish Medical Center
|
✔️ | ✔️ | ✔️ | |||||
|
The Medical Center of Aurora - South Campus
|
✔️ | |||||||
|
The Medical Center of Aurora - North Campus
|
✔️ | |||||||
|
The Shandy Clinic
|
✔️ | |||||||
|
Tnt Surgical Assistance
|
✔️ | |||||||
|
Vibra Long Term Acute Care Hospital
|
✔️ | |||||||
|
West Littleton Emergency Room
|
✔️ |
How do I choose the best individual insurance plan for me?
One of our favorite things about ICHRA is that it allows employees to choose the best plan for them, as opposed to a one size fits all group plan where they only have one or two options. At Take Command, we have tools to help employees sort through the options.
- Doctor search: Try out our doctor search tool to ensure that your trusted doctors stay in network with your new health plan. Try out our window shopping tool and search for plans that work with your doctors!
- Prescription search: Prescriptions can also be a big expense! Different carriers cover them differently, so it’s important to price check and take a good luck at formularies for all of your health plan options, especially if there’s something you take regularly to manage chronic conditions. Our new prescription search tool allows you to compare plan coverage and formularies side by side to find the best coverage at the lowest cost to you. Check it out here.
- Be informed! We've put together an Open Enrollment Guide that will give you all of our best tips and tricks.
How Take Command can help
With an abundance of quality health insurance plans for employees to choose from throughout the state, Colorado employees are positioned for success in terms of satisfaction with their ICHRA. With a state-level public option on the horizon, that will bring another option to choose from for employees offered an ICHRA in Colorado. ICHRAs and the public option are both expanding coverage for Colorado workers.
To learn more about why Denver is a hot market for ICHRA, read our blog post on the subject.
- Employees: If you are an employee looking to sign up for individual health insurance in Denver to use with your ICHRA, our enrollment team is standing at the ready to help. You can set up a call with enrollment team here.
- Business owners: If you're a business owner and have questions about ICHRA, please schedule a time to chat with our HRA Design team to see if ICHRA is a good fit for you.
- Brokers: If you're a broker considering ICHRA as an option for a client, submit an HRA Design request to see if this is a good fit for your client.
Other questions? Email support@takecommandhealth.com or chat with us on the website. We'd be pleased to help!
