Anthem Blue Cross Blue Shield of Colorado
ColoHealth is an authorized agent offering the lowest rates on Anthem Blue Cross Colorado health insurance plans.
By Misty Berryman – Updated Apr 17, 2026
Reviewed by Christine Corsini – Fact checked by Leslie Alford
Anthem Blue Cross Blue Shield of Colorado (BCBS of CO) is one of Colorado’s leading health insurers. They offer major medical, dental, vision, and supplemental insurance plans to residents across the state.
BCBS of CO plans are available to suit a broad range of budgets. Many plans are ACA-qualified and available through the Connect for Health Colorado exchange.
These plans may qualify for subsidies, which can reduce your costs depending on your age and household size.
Blue Cross Blue Shield of Colorado also offers quality health insurance plans outside the exchange. These off-exchange plans don’t qualify for an ACA subsidy. However, they may be worth considering if you expect a small subsidy or are looking for more tailored coverage.
ColoHealth’s Personal Benefits Managers can help you choose the right plan — on or off the exchange — at no cost to you.
Blue Cross Blue Shield of Colorado Plan Tiers
Blue Cross Blue Shield of Colorado plans come in several “tiers,” Bronze, Silver, Gold, and Platinum. The main difference between tiers is the percentage of medical costs the plan pays once you’ve met your deductible.
While plan out-of-pocket limits can vary, federal law limits out-of-pocket costs to $9,100, as of 2023. That includes your deductible and coinsurance, but not health insurance premiums.
Bronze Plans
Insurance picks up 60% of your plan costs after you meet your deductible.
You pay the remaining 40%, up to your out-of-pocket maximum for the year.
Silver Plans
Insurance picks up 70% of your plan costs after you meet your deductible.
You pay the remaining 30%, up to your out-of-pocket limit for the year.
Gold Plans
Insurance picks up 80% of your plan costs after you meet your deductible.
You pay the remaining 20%, up to your out-of-pocket limit for the year.
Platinum Plans
Insurance picks up 90% of your plan costs after you meet your deductible.
You pay the remaining 10%, up to your out-of-pocket limit for the year.
Types of BCBS Plans Offered in Colorado
Within each tier, BCBS of CO offers four plan types: HMOs, PPOs, EPOs, and POS plans:
Anthem BCBS Point of Service Plans (POS)
Point of service plans require a referral from your PCP before seeing a specialist. These plans cover out-of-network doctors at a higher out-of-pocket cost than in-network doctors.
Preferred Provider Organization (PPO)
Like HMOs, PPOs work with a network of providers who offer discounted rates. They also assign you a primary care physician to oversee your healthcare.
The key difference is that PPOs don’t require a referral from your primary care doctor to see a specialist.
Most plans will provide some coverage for visits with physicians outside the network. But you may have to pay a larger share of the bill.
Note that PPO plans are only available for groups, not individuals.
Health Maintenance Organization (HMO)
HMOs typically limit non-emergency coverage to providers within their care network. Your plan assigns you a primary care physician. Your physician then acts as the gatekeeper to your benefits. With an HMO, you’ll typically need a referral from your primary care physician before seeing a specialist.
Exclusive Provider Organizations (EPO)
An EPO draws on features from both HMO and PPO plan types. Like PPOs, EPOs don’t require a referral from your primary care doctor to see a specialist. However, they provide little or no coverage for non-emergency coverage for out-of-network providers.
Of these plans, HMOs typically have the lowest premiums, all other things being equal. PPOs offer the most flexibility, including greater protection when seeing out-of-network providers.
EPOs are typically in the middle, and have a lower premium compared to PPOs.
High Deductible Health Plans and HSAs
Blue Cross Blue Shield of Colorado offers a number of plans that are qualified as high deductible health plans, or HDHPs. These have lower premiums than other plans, and have higher deductibles.
They also allow eligible individuals and families to contribute pre-tax money to a health savings account (HSA).
An HSA can help you save on premiums, income taxes, and overall healthcare costs.
Deductions to HSAs are tax deductible for qualified contributors. HSA funds grow tax-free, and withdrawals are also tax-free when used for qualified healthcare expenses.
Unlike flexible spending accounts (FSAs), there’s no “use it or lose it” provision.
Assets in your HSA plan can help you pay your deductible. They can also give you more flexibility to use an out-of-network provider for your health care, if you prefer.
At age 65, you can withdraw money from HSAs penalty-free for any reason.
Blue Cross Blue Shield of Colorado Dental & Vision
BCBS of CO has long provided dental and vision coverage, with competitive options available for both.
Anthem BCBS’s vision plan gives you access to 40,000 eye doctors across 30,000 locations — one of the largest vision care networks in the world.
Their dental plan includes 100% coverage for preventive services.
BCBS of CO Telehealth Benefits
BCBS of CO members enjoy 24-hour access to board-certified physicians as needed through the Sydney mobile phone app.
If you’re on a high-deductible plan and haven’t met your deductible, telehealth visits may carry a $39 charge.
Members also have unlimited chat messages with physicians, 24/7.
Ready to sign up for an Anthem Blue Cross Blue Shield of Colorado plan?
ColoHealth’s Personal Benefits Managers can help you find the right Anthem BCBS plan — on or off the exchange — at no cost to you.
Blue Cross Blue Shield of Colorado FAQs
Can I get an Affordable Care Act subsidy to help me buy a Blue Cross Blue Shield of Colorado plan?
In most cases, yes.
Most Blue Cross Blue Shield Colorado plans on the Colorado Marketplace qualify for ACA premium tax credit subsidies. The exception to this is Medigap and Medicare Advantage plans.
Most people do qualify for at least some ACA subsidy, though not all. The lower your income and the larger your family, the more likely you are to qualify for a subsidy. It can also mean a larger subsidy amount.
The amount of any subsidy will depend on your income, family size, and the Affordable Care Act plan you choose.
However, Congress has expanded both the ACA subsidy and the number of families who can qualify.
Health insurance may be more affordable than you think.
Make an appointment with a ColoHealth Personal Benefits Manager to determine if you qualify for an ACA subsidy. You may be surprised at how affordable coverage could be for your family.
Does Anthem BCBS of CO offer health saving accounts?
Yes! Anthem BCBS of CO does offer an HSA-compatible high deductible health plan, or HDHP.
Health savings accounts (HSAs) are a great way to reduce monthly premiums and taxes, while taking more control of your healthcare.
Enrolling in an HDHP allows you to make tax-deductible contributions to a health savings account. You must also meet certain other criteria:
- You must be covered by an HSA-compatible high-deductible health plan.
- You must be a U.S. resident, excluding Puerto Rico and American Samoa
- To remain eligible, you cannot have any other medical coverage that isn’t an HSA-compatible high-deductible health plan.
- Enrolling in Medicare disqualifies you from making HSA contributions.
- Your spouse must not hold an active FSA plan.
- Anyone claiming you as a dependent on their tax return makes you unqualified to contribute to an HSA.
- If you are a veteran, you must not have received VA benefits in the past three months. Benefits related to a service-connected disability are exempt from this rule.
- TRICARE enrollment disqualifies you from contributing to an HSA. TRICARE is the health plan available to active and retired military and their dependents.
At ColoHealth, we are believers in the power of health savings accounts, combined with high-deductible health plans.
To learn more, click here, and speak with your Personal Benefits Manager.
Does Anthem BCBS of CO cover prescription drugs?
Yes. All Anthem BCBS of CO plans on the market in Colorado include prescription drug coverage.
Hundreds of generic prescription drugs are available to Anthem BCBS of CO members at no cost. Non-generic and name-brand drugs may vary based on the class of drug or coverage tier.
Can I use my BCBS Colorado plan if I travel outside Colorado?
Yes. Anthem Colorado plans cover emergency and urgent care across all 50 states. For international travel, coverage is also available through the Blue Cross Blue Shield Global Core program.
This makes Anthem BCBS of CO a strong option for those who travel frequently or spend time in multiple states throughout the year.
Does Anthem BCBS of CO offer plans for Medicare seniors?
Yes. Anthem BCBS of CO offers a range of Medicare Advantage (Part C) and Medigap plans. These are available to those aged 65 and over, or who otherwise qualify for Medicare.
Anthem BCBS of CO also offers Medicare Part D prescription drug coverage.
To learn more and find the right plan for your needs, we recommend visiting MediGap Advisors.
How can I enroll in a Blue Cross Blue Shield of Colorado Health Plan?
Ready to enroll or want a free consultation and plan recommendation? Contact your ColoHealth Personal Benefits Manager.
You also have the option to run an instant quote and apply online.
You can only sign up during Open Enrollment, which runs from November 1 – January 15. The exception is if you qualify for a special enrollment period.
When is the best time to enroll in Anthem Blue Cross Blue Shield of Colorado?
For most people under 65, Anthem Blue Cross Blue Shield of Colorado plans are available during ACA Open Enrollment. This runs from November 15 through January 15.
Outside Open Enrollment, you may still be able to enroll through a special enrollment period. This applies if you have experienced a qualifying life event.
Qualifying life events cover a range of significant changes. These include losing existing coverage, a change in income, marriage, divorce, and the birth or adoption of a child.
Make an appointment with a ColoHealth Personal Benefits Manager to determine if you are eligible to enroll. The consultation is free and no-obligation.
Group Health Insurance for Colorado Small Businesses
Blue Cross Blue Shield of Colorado is a popular choice among employers in the state. They offer flexible coverage solutions for both small and large businesses.
Contact a ColoHealth Personal Benefits Manager for assistance with group health plans. They can help with plan design consulting, quotes, and rolling out a new health care plan for your employees — all free of charge.
You can request a quote for your small group here.
Request an Instant Health Insurance Quote
✔ Plans approved and authorized under the Affordable Care Act
✔ Cover pre-existing conditions
✔ Low-cost subsidized plans are available to those earning <400% of the federal poverty level
✔ Unlimited lifetime benefits
✔ Available during open enrollment (Nov. 1st - Jan. 15th), or if you qualify for a Special Enrollment Period
Request an Instant Healthshare Quote
✔ Not health insurance, but a way for like-minded individuals to share medical expenses
✔ Waiting periods on pre-existing conditions
✔ Enroll any time
✔ May exclude sharing for certain conditions or activities
✔ Much lower monthly cost than unsubsidized health insurance
Blue Cross Blue Shield of Colorado Reviews
Exceptional Coverage and Service
Anthem Blue Cross Blue Shield has provided me with excellent coverage for the past 5 years. Their network is extensive, and I’ve never had trouble finding a provider. Claims are processed quickly and efficiently.
Overall, I’m very happy with Anthem Blue Cross Blue Shield.
The coverage is great, and their network is extensive. My only complaint is that customer service can be slow at times, but the quality of care is excellent.
Smooth Experience with Anthem BCBS
Anthem BCBS offers fantastic healthcare coverage. I’ve never had issues with claims, and their network includes all my preferred doctors and specialists. Great service and easy to manage my plan online!
Highly recommended
I’ve had a great experience with Anthem BCBS. The customer service is always helpful and responsive, and I feel confident that I’m getting excellent care. Definitely recommend them for anyone seeking reliable coverage.
Frustrating Service
Unfortunately, Anthem BCBS hasn’t lived up to my expectations. Their network is fine, but I’ve had ongoing problems with getting certain treatments approved and customer service is hard to get a hold of when there’s an issue.
Great Option!
I’ve had nothing but positive experiences with Anthem Blue Cross Blue Shield in Colorado. The coverage options are great, and I feel well-supported every time I have a question. Highly recommend them for anyone looking for solid healthcare.
Can't go wrong with BCBS!
Anthem Blue Cross Blue Shield has been outstanding for my healthcare needs. The coverage is comprehensive, and I’ve always been able to find excellent doctors in-network. Claims are processed quickly, and the customer service is top-notch!
Affordability
The comprehensive coverage this health share plan provides ensures that my family and I have access to a wide range of medical services. What’s particularly commendable is the affordability factor. In an era where healthcare costs are skyrocketing, Anthem Blue Cross Blue Shield of Colorado has managed to strike a balance, offering quality coverage without breaking the bank. This is a significant relief for a mid-40s individual like me with a family to support.
Network of Quality Providers
They have an extensive network of healthcare providers. Living in Colorado, access to quality healthcare is paramount, and Anthem’s network ensures that we can choose from a diverse range of doctors and facilities. This flexibility is crucial for meeting the unique health needs of my family. The assurance that we can receive care from reputable professionals within the network adds significant value to this health share plan.
For Support Staff
Navigating the complexities of health insurance can be daunting, but the representatives at Anthem have consistently provided timely and helpful assistance. Whether it’s clarifying details or addressing billing inquiries, their efficiency has made the overall experience positive. This level of customer support is crucial for ensuring peace of mind, especially when it comes to matters as important as healthcare for my wife, two kids, and me.
Transparent Policy Information
One of the reasons I’m impressed with Anthem Blue Cross Blue Shield of Colorado is their commitment to transparency. Understanding the ins and outs of a health share plan can be challenging, but Anthem provides clear and concise policy information. From coverage details to out-of-pocket expenses, I appreciate the transparency that allows me to make informed decisions about my family’s healthcare. This transparency contributes to a sense of trust and reliability, earning Anthem a solid four-star rating in my book.
Outstanding Customer Support
I am genuinely impressed with Anthem’s customer support. They are always available to answer my questions, and their representatives are both friendly and knowledgeable. I’ve never had a bad experience with them.
Average Experience
My experience with Anthem Blue Cross Blue Shield has been average. They have a reasonable range of coverage options, but their customer service could use some improvement. It takes a while to get through to a representative.
Smooth and Hassle-Free Process
Anthem Blue Cross Blue Shield made enrolling and using my health insurance a breeze. The process was smooth and they offer a user-friendly online portal. I am delighted with my choice to go with Anthem.
Great plans, great networks, but pricey. .
Anthem offers fair premiums and decent customer service. The provider network can’t be beat in Colorado. They offer many different plans to choose from over the Connect for Health Colorado exchange.
They’re more expensive than I would like. But if you qualify for a subsidy under the Affordable Care Act. Anthem/Blue Cross can be an excellent value.
Overall would recommend to friends and family. I own a business and may be selecting Blue Cross to handle my group plan for employees.
Good, but Room for Improvement
Anthem Blue Cross Blue Shield has been pretty good overall. Their coverage is comprehensive, and there are tons of different plans and options for enrollees to choose from.
Their care network in Colorado is massive. So you shouldn’t have any trouble finding a provider. Almost everybody takes Anthem/Blue Cross!
Disadvantages: Customer service can be a challenge qt times. It’s such a huge organization, it can be hard to talk to the right person. However, once I reach them, they are generally helpful.