Individual & Family Health Insurance with Rocky Mountain Life Plus The Affordable Care Act has changed how Americans shop for health insurance (Obamacare)

Things to Consider

Tax Credits?

  • The ACA (Affordable Care Act) created Advanced Premium Tax Credits to make health insurance premiums more affordable for middle class families.
  • Connect for Health Colorado is the only place for Coloradans to apply & receive tax credit.

Tax Credits

Open Enrollment?

  • Everyone, regardless of health, is guaranteed access to health insurance.
  • Open Enrollment is a specific time to enroll in health insurance: November 1st – January 15th.
  • Enrollments completed on or before December 15th will be effective January 1st
  • Enrollments completed December 16th – January 15th will be effective February 1st
  • A Special Enrollment is available if you have a Qualifying Event

    that causes you to lose health insurance.

open enrollment

Tax Penalty?

  • Effective January 1, 2020, the “Individual Mandate” – requiring all Americans to have ACA – Affordable Care Act approved health insurance or pay a penalty – has been eliminated.  You will not be fined if you choose to go without health insurance.
  • Please talk with us before going this route.  We may have a more affordable option.

Tax Penalties

Do You Qualify for Financial Assistance?

Family Size
Less Than 138% FPL* Qualifies for Medicaid
Less Than 250% FPL* Qualifies for CHP+
Less Than 400% FPL* Qualifies for a Tax Credit
Each Additional Person

* FPL stands for Federal Poverty Level

Financial Options

Don’t Qualify for Financial Assistance?  Shop Direct with a Free Confidential Quote.

Looking for an Alternative to the Affordable Care Act?


  • Altrua HealthShare is a faith based cost sharing alternative to ACA approved health insurance. Because it is faith based, it is exempt from the ACA mandates and tax penalty. You must file IRS Tax Form 8965 to receive the exemption.
  • This product is “underwritten” – meaning, like pre-ACA traditional health insurance, you must meet the stringent health guidelines to be accepted.
  • Altrua functions similar to insurance, but it is important to note Altrua is NOT insurance. It is important to read all details and limitations of coverage in making this decision.
  • Altrua HealthShare – Disclaimer & Legal Notices – Please Read.

As of April 1, 2019, the Colorado Department of Insurance removed Short Term Policies