Colorado Health Insurance Plans for Individuals and Families
When looking for a Kaiser Permanente private health insurance plan in Colorado, there are several key issues to consider. Do you want a copayment plan without a deductible or are you willing to have a deductible in order to save on your monthly premium? Do you want doctor visits and prescription drugs covered right away? Do you want a plan that is HSA compatible, meaning you have the ability to open up a health savings account? Below are some bullet points about the top Individual and Family health insurance plans for Kaiser Permanente Colorado.
View Plans
Paper Application
Apply Online
Agency Recommended Plans
- $35 Copayment Plan:
- Pros = no deductible, richest coverage
- Cons = higher monthly premium
- $2,000 (100%) HSA Deductible Plan:
- Pros = Losest Out-of-Pocket Maximum, Health Savings Account Potential
- Cons = Only Preventive covered until you reach the deductible
- $2,000 (70%) Deductible Plan:
- Pros = middle of the road plan, fairly low deductible, affordable premium, doctor visits covered right away
- Cons = moderately large out-of-pocket maximum, Rx deductible
- $5,000 (60%) Deductible Plan:
- Pros = $10 doctor visits / $5 generic drugs before the deductible
- Cons = high out-of-pocket maximum ($15,000)
3 Kaiser Permanente Individual Plans without Prescription Drug Coverage:
If you would like to save on your monthly premium by cutting prescription drug coverage, the following plans offer very affordable individual medical insurance rates:
- $2,000 (80%) HSA Deductible Plan without Rx
- $2,000 (70%) Deductible Plan without Rx
- $5,000 (70%) Deductible Plan without Rx
Most Affordable Health Insurance Plans for Colorado Individuals and Families:
The following are our two most affordable Colorado individual health insurance plans. These would qualify as major medical plans, just in case health insurance should something catastrophic happen requiring expensive medical care.
- $5,000 (100%) HSA Deductible Plan: This plan covers an annual preventative visit at no charge right away. All other benefits are subject to the deductible. The out-of-pocket maximum is fairly low compared to most major medical health insurance plans, $5,000 for an individual and $10,000 for a family.
- $5,000 (70%) Deductible Plan without RX: The main benefit of this plan over its HSA counterpart is that it covers doctor visits right away with $30 Copayment for primary care and $50 Copayment to see a specialist. The big drawbacks to this plan are that it does not cover prescription drugs at all, and the out-of-pocket maximum is a lot higher, 1 ½ times for families and double for individuals.
