You need health insurance. Not only is it smart: It’s the law. The Affordable Care Act requires individuals to have health insurance or pay a tax penalty. In 2016, that penalty was $695 per person ($347.50 per child under 18) or 2.5 percent of your yearly household income, whichever is greater. (There are exceptions.)
Employers generally offer insurance to full-time workers. But if you are not covered by your employer, you will need to buy your own. How?
- You can buy directly from Rocky Mountain Health Plans. Call 1-800-453-2981 to speak to a representative who can explain your options.
- You can work with a local broker (download the list) who has special expertise and experience in this area.
- You can buy coverage through the state insurance exchange, Connect for Health Colorado.
Choosing a plan
There are three major factors for choosing a health plan: cost, your own health status, and the network of providers included in the plan.
Families USA offers a variety of tools to help you decide on the type of coverage you need.
Fairhealthconsumer.org also offers resources for choosing the best health plan for you.
More than three hundred providers—physicians, specialists and hospitals—are in the Monument Health network. Providers who agree to meet quality, information sharing and a payment system based on quality are accepted into our Tier 1 network of high-performing providers. Learn more about our network and what makes Monument Health different from a typical health plan.
You can also choose to use providers outside the Tier 1 Monument Health network. Many local providers are available to you through the Tier 2 benefit level. And if you need care when traveling outside Mesa County, emergency care is always covered as if it’s in-network. Out-of-network coverage (Tier 3) is also included when you receive non-emergency care out-of-network.
Call us. 970.683.5630
Ready to buy?
Call RMHP. 800.453.2981