Missed the Colorado open enrollment window? You’re not alone and you’re not out of options.
Each year, thousands of Coloradans scramble to sign up for health coverage before the deadline, only to realize too late that enrollment has closed.
Whether life got busy, your situation changed, or you just weren’t sure what to choose, missing open enrollment can feel overwhelming, but it doesn’t have to be. You still have reliable ways to protect yourself and your family.
What Is Colorado Open Enrollment?
Colorado open enrollment is the annual period when you can sign up for ACA-compliant health insurance. In 2025, this window runs from November 1, 2025 through January 15, 2026.
During this time, you can:
- Enroll in a new plan
- Switch insurance providers
- Add dependents to your policy
- Apply for subsidies through Connect for Health Colorado
But what happens if that deadline passes and you still need coverage?
Can You Still Get Insurance After Colorado Open Enrollment?
Yes under certain conditions, you can still get covered after the enrollment window closes.
These exceptions fall under what’s called a Special Enrollment Period (SEP). You may qualify for SEP if you experience:
- Loss of job-based coverage
- A move to a new ZIP code
- Marriage or divorce
- Birth or adoption of a child
During the Colorado special enrollment period you typically have 60 days from the date of the qualifying event to enroll in a new plan.
If none of these situations apply to you, don’t panic. You still have other options worth exploring.
Employer-Sponsored Health Insurance
Group plans through an employer aren’t restricted to Colorado open enrollment.
If your workplace offers health coverage, you can usually join the plan within 30 to 60 days of your hire date or during your company’s annual enrollment period.
Not currently employed or job hunting? Choosing a job that offers solid health benefits can be a strategic move especially in today’s tight labor market where many employers use benefits to attract talent.
Health Sharing Plans in Colorado
Health sharing plans offer a flexible, budget-friendly alternative when you’re outside the Colorado open enrollment window.
These aren’t insurance plans in the legal sense. Instead, they’re membership-based programs where individuals share medical costs with others who have similar values.
Why consider a healthshare plan?
- You can enroll anytime, no deadlines
- Monthly contributions often cost 50% less than unsubsidized health insurance
- Many plans now cover telehealth and urgent care
But keep this in mind:
- Pre-existing condition waiting periods may apply (often 12–24 months)
- Preventive care isn’t always included
- Plans may not meet ACA standards
Still, for relatively healthy individuals, health sharing plans can fill a gap affordably until the next open enrollment.
Other Coverage Options to Explore
If none of the above works for you, here are a few more paths you might consider:
- Medicaid and CHP+: These programs allow year-round enrollment if you qualify based on income. Check Colorado PEAK to see if you’re eligible.
- Spouse’s or Parent’s Plan: If you recently lost coverage, you may qualify to join a family member’s existing policy.
- Healthshare + Direct Primary Care: Some Coloradans pair a health sharing plan with a local DPC membership for more comprehensive access to primary care.
Each situation is different, so talking with a licensed benefits expert can help clarify what fits your needs and budget.
Ready To Take Control of Your Healthcare?
Missing Colorado open enrollment doesn’t mean you’re stuck.
From employer coverage to health sharing, you have practical options to stay protected, reduce risk, and avoid costly medical bills. Even if you missed Colorado open enrollment, you don’t have to go without coverage.
Your Personal Benefits Manager at ColoHealth can help you compare post-enrollment health insurance alternatives, including healthshare programs and group plans that fit your unique situation. Let ColoHealth help you find the best fit, on your terms, on your schedule.
For Further Reading:
Leslie Alford is a Personal Benefits Manager at ColoHealth. Her aim is to help you make smart and informed healthcare coverage decisions that will fit your needs and budget. Read more about Leslie on her Bio page.
