The Martinez family in Lakewood discovered how Colorado families save money on health insurance when they switched from their $2,100/month marketplace plan to health sharing at just $450/month, saving $19,800 every single year.
They’re not alone.
Across Colorado, middle-class families are crushed by healthcare costs. They earn too much income for subsidies. But they don’t have enough to comfortably afford $15,000 to $30,000 per year in insurance expenses.
Colorado approved average premium increases of 21-23% for 2026. The expiration of enhanced federal subsidies led to an average net premium increase of 101% for approximately 225,000 Coloradans who previously relied on subsidies.
Health sharing is changing everything. Families across Denver, Colorado Springs, and Fort Collins are finding real relief through this affordable alternative.
INSTANT QUOTE
COLORADO HEALTH INSURANCE
Key Highlights
- Colorado families switching to health sharing save 40-50% compared to unsubsidized traditional insurance.
- Health sharing works with any Colorado provider, including UCHealth, Denver Health, and Children’s Hospital Colorado.
- Monthly contributions start as low as $190 compared to $1,500+ for traditional plans.
Let’s break down exactly how health sharing works and why so many Colorado families are making the switch.
What Health Sharing Plans Actually Are?
Health sharing is NOT insurance.
It’s something entirely different.
Here’s how it works: members join a community of like-minded people. Everyone contributes a monthly share amount. When someone in the community has a medical need, members share the expenses together.
Think of it as neighbors helping neighbors with healthcare costs. Among the health share programs in Colorado that families are choosing, this community approach is the key difference from traditional insurance.
Health sharing is 100% legal in Colorado and exempt from ACA requirements. Over 1.7 million Americans now participate nationwide.
Last year alone, health sharing communities helped members with $1.3 billion in medical expenses.
The Math Behind the $20,000+ Savings
The numbers tell the real story.
Colorado Family of 4 Comparison:
| Traditional Insurance | Health Sharing | |
|---|---|---|
| Monthly cost | $2,100-$2,500 | $450-$850 |
| Annual cost | $25,200-$30,000 | $5,400-$10,000 |
| Initial Unshareable Amount | $7,500-$10,000 | $1,000-$5,000 |
| Annual Savings | – | $19,800-$24,600 |
This is exactly how families save money on health insurance in Colorado.
Same protection for unexpected medical needs at a fraction of the cost. For healthy families paying full price without subsidies, the savings are life-changing.
Save Money on Health Insurance for Colorado Families (Real Success Stories)
These aren’t hypothetical numbers.
They’re real Colorado families finding affordable health protection that Colorado families can actually afford.
- The Johnsons (Denver metro): family of 4, switched from employer plan paying $1,800/month. Now pay $425/month with health sharing. Annual savings: $16,500.
- The Garcias (Colorado Springs): self-employed parents with 2 kids, left marketplace plan at $2,300/month. Now pay $500/month. Annual savings: $21,600.
- The Thompsons (Fort Collins): early retirees under 65, escaped $2,400/month COBRA. Now pay $475/month. Annual savings: $23,100.
Who Health Sharing Is (and Isn’t) Right For?
Health sharing isn’t for everyone. Here’s how to know if it’s right for you.
Health sharing is ideal if you:
- Are generally healthy without chronic conditions
- Earn too much for ACA subsidies ($60K-$150K household income)
- Want freedom to see any doctor or hospital
- Are comfortable with a community-based approach
Not ideal if: you have chronic conditions requiring ongoing treatment or want traditional insurance guarantees.
If you might qualify for subsidies, check Connect for Health Colorado first.
What Colorado Families Are Doing With Their Savings?
An extra $20,000 per year changes everything for Colorado families.
How families are using their savings:
- Paying off credit card debt and building emergency funds
- Contributing to college savings and retirement accounts
- Finally affording preventive care and regular checkups
- Reducing financial stress and enjoying a better quality of life
A health sharing membership is what Colorado families trust to give them back their financial freedom.
Start Saving Today: Your Next Steps
Ready to see how much your family could save?
Getting started is simple. Schedule a free consultation with a ColoHealth Personal Benefits Manager who can analyze your current costs and show you exactly what health sharing would look like for your family.
Gather your current insurance statements so you can compare side by side. There’s no commitment required and no pressure.
Just honest answers to your questions and a clear picture of your potential savings. Thousands of Colorado families have already made the switch. You could be next.
See how much your Colorado family could save with health sharing. Get a free personalized quote!
Frequently Asked Questions
Is health sharing legal for Colorado families?
Yes. Health sharing is 100% legal in Colorado and nationwide. These programs are exempt from ACA requirements and have operated legally for over 30 years.
Can Colorado families see any doctor with health sharing?
Yes. Health sharing has no network restrictions. You can see any provider, including UCHealth, Denver Health, Children’s Hospital Colorado, or any doctor you choose.
How does health sharing handle emergencies for Colorado families?
Emergency care is eligible for sharing just like other medical needs. You receive care, pay upfront, or arrange billing, then submit for sharing with the community.
For Further Reading:
Misty Berryman 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 Misty on her Bio page.
