Health insurance & Medicare · Denver, CO (Denver County)
Individual & Family Health Insurance in Denver, Colorado
22.8% of Denver households include children under 18, well below the U.S. figure of 29.8%. Help choosing an ACA Marketplace health plan, including checking whether you qualify for premium tax credits that lower your monthly cost. Olive, a licensed agent with Manna Financial Services, helps Denver, CO households compare individual and family health insurance by phone or video, and the first conversation is free.
What matters for individual and family health insurance in Denver
10.8% of Denver workers are self-employed. Self-employed people buy their own coverage, and Marketplace tax credits are based on your expected net self-employment income, so a careful estimate matters.
Denver by the numbers
- 22.8% of Denver households include children under 18, well below the U.S. figure of 29.8%.
- 10.5% of Denver adults aged 19 to 64 have no health insurance, about the same as the U.S. rate of 11.1%.
- The median household income in Denver is $91,681, above the U.S. average of $78,538.
- 10.8% of Denver workers are self-employed, above the U.S. figure of 9.8%. Self-employed people have no employer plan for health, life or disability coverage.
Denver and nearby communities
| Place | Uninsured adults 19–64 | Self-employed | Median household income |
|---|---|---|---|
| Denver | 10.5% | 10.8% | $91,681 |
| Los Angeles | 12.9% | 16.2% | $80,366 |
| Phoenix | 16.8% | 9.7% | $77,041 |
| San Diego | 8.9% | 11.6% | $104,321 |
| U.S. | 11.1% | 9.8% | $78,538 |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with individual and family health insurance
- Compare the Marketplace plans offered in your county
- Check premium tax credit and cost-sharing eligibility
- Confirm your doctors, hospitals and prescriptions are in network
- Enroll during Open Enrollment or a Special Enrollment Period
Read our full guide to individual and family health insurance
Rules that apply in Colorado
- Colorado residents buy individual and family Marketplace plans through HealthCare.gov or their state exchange. Plans and prices vary by county.
- Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1.
- Outside Open Enrollment, a qualifying life event such as losing other coverage, moving, marriage or a new baby opens a Special Enrollment Period.
- Marketplace premiums are the same with or without an agent. Insurance companies pay the agent.
Questions from Denver
When can I enroll in a Marketplace plan?
Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1. Outside that window you need a qualifying life event, such as losing other coverage, moving, marriage or a new baby, to use a Special Enrollment Period.
Do I need to visit an office in Denver?
No. Olive works with Denver and Denver County households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Individual & Family Health Insurance near Denver
Talk with Olive about individual and family health insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.