Marketplace Overview October 2013

2 2 What is Connect for Health Colorado? Competitive marketplace for private health insurance Exclusive way to get new financial help to reduce costs Broad statewide Customer Support Network Open for individuals, families and businesses with less than 50 employees

3 3 ConnectforHealthCO.com

4 4 2 Small Business Marketplace

Health Plans for Small Employers Anthem Blue Cross and Blue Shield / HMO Colorado Colorado Choice Health Plans Colorado HealthOP Kaiser Permanente Rocky Mountain Health Plans SeeChange Health

6 6 Individual/Family Marketplace

Health Plan Choices for Individuals/Families Access Health Colorado Anthem Blue Cross and Blue Shield / HMO Colorado Cigna Colorado Choice Health Plans Colorado HealthOP Denver Health Medical Plan Humana Kaiser Permanente Rocky Mountain Health Plans UnitedHealthcare

Dental Plans for individuals/families Anthem Blue Cross and Blue Shield / HMO Colorado BEST Life and Health Insurance Company Cigna Delta Dental of Colorado Dentegra Insurance Company Premier Access Dental and Vision

9 Individual Marketplace Open Enrollment Shopping starts October 1, 2013 Coverage Begins January 1, 2014 Oct. 1 Dec. 15 Jan. 1, 2014 March 31, 2014 Open Enrollment Begins Deadline for enrollment to have coverage Jan. 1, 2014 Coverage begins Individual Open Enrollment Ends

10 12 Health Plan Shopping

11 12 Compare Health Plans

12 Key Changes Starting in 2014, you can not be denied health coverage based on a pre-existing condition or your health history Your health history or medical needs will not affect your ability to apply for health insurance or the cost (except tobacco use) There will be set open enrollment periods for commercial health plans that will provide coverage for the calendar year o Oct to March o Oct. 15, 2014 to Dec. 7, 2014 for future years o You can sign up at other times with qualifying event

13 12 Affordability New resources available based on income Medicaid will be available to many more Coloradans Individuals earning up to about $15,000 a year New kind of tax credit available to Coloradans who earn too much for Medicaid and up to about $45,000 a year for individuals and $94,000 a year for family of 4 Tax credit can be used up-front or taken off taxes Health insurance plans with lower co-pays and deductibles also available to certain individuals and families who earn too much for Medicaid

14 12 Income eligibility New tax credit to reduce the cost of premiums Individual earning about $15,000 to $45,500/year Couple earning about $21,000 to $62,000/year Family of four about $32,000 to $94,000/year o Applied by IRS o Amount tied to cost of benchmark plan Health plans with lower co-pays and deductibles Individuals earning about $15,000 to $28,500/year Family of 4 earning about $32,000 to $58,500/year o Three levels of reductions based on income

15 Financial assistance application process Shop and Compare Medicaid denial Advance Premium Tax Credit In October, finish enrollment through Customer Service Center

16 12 Key Takeaways Now you have more options to find quality health coverage Connect for Health Colorado offers a broad array of health plan choices in one place Connect for Health Colorado is the only place to access cost savings You can get help over the phone and in-person from a statewide network of trained professionals Sign up by Dec. 15 to have your coverage start Jan. 1; Open enrollment continues until March 31, 2014

17 12 Spread the Word! Materials available on website Request a speaker Order brochures and other materials at our online store Follow us on Facebook and Twitter Refer people to website and Customer Service Center Mobile application available in October

18 12 Contact Website: questions: Toll-free help by phone: PLANS-4-YOU ( ) 7 am to 8 pm Monday to Saturday