How our Colorado plan price tool works, and what it figures for you

Why Grove offers it

Most people shopping for a plan want to see prices before they talk to anyone. So the tool shows every plan and price for your answers without asking for your name, email, or phone number.

Grove Benefit Advisors runs this site. We are a licensed Colorado agency and a certified Connect for Health Colorado broker. We offer the tool so you can do the comparing yourself. An advisor is there if you want a second look before you enroll.

Who it is for

The tool is built for individuals and families buying their own 2027 coverage in Colorado. That includes people who lost job coverage, work for themselves, retired before 65, or are comparing plans during open enrollment.

• Open enrollment for 2027 runs November 1, 2026 to January 15, 2027. You can choose a January 1 or February 1, 2027 start in the tool.
• You can price up to 10 people at once, and mark anyone who does not need a plan.

What it figures automatically

From the answers you enter, the tool works out each of these:

• Your price for each plan. It uses each insurance company's approved 2027 rates for your county and each person's age on the day coverage starts. Anyone you mark as a tobacco user is priced at the tobacco rate. Colorado charges for only the three oldest children under 21.
• Your federal premium tax credit. It compares your income to the federal poverty line and finds the share of income you are expected to pay. The credit is the price of the second-lowest-cost silver plan in your county minus that amount. The tool shows no credit above 400% of the poverty line or below 100%. Our tax credit guide explains how the credit works.
• Colorado Premium Assistance, the state's extra help on top of the federal credit, for households that get the credit.
• Lower deductibles and copays on silver plans. If you get a credit and your income is at or below 250% of the poverty line, silver plans show the stronger version you may qualify for. Our enhanced silver guide has the details.
• Your price after help. Each plan card shows the full premium, the credit, and what you would pay.
• A flag when someone may belong in Health First Colorado (Medicaid) or CHP+ instead, based on age and income. Those people are still priced in case the flag is wrong. Anyone 65 or older is flagged for Medicare.
• A warning when your income is close to 400% of the poverty line, where the tax credit stops.

What you can compare

You can sort plans by monthly price, deductible, or the most you could pay in a year. Three more sorts use the standard examples each plan files in its federal Summary of Benefits and Coverage. The examples are a broken bone, a year of diabetes care, and having a baby.

You can filter by metal level, insurance company, network type, and deductible, and put up to three plans side by side. You can type in prescriptions to see how each plan's filed 2027 drug list covers them, and pick hospitals to see which plans include them.

What it does not do

Every dollar figure is an estimate. The tool does not:

• Decide your eligibility. Connect for Health Colorado makes that decision, from your application.
• Enroll you in a plan. You enroll through Connect for Health Colorado, or with an advisor.
• Ask about job-based coverage offers, COBRA, tax filing status, or who claims whom as a dependent. These can remove the tax credit. The form lists them, and an advisor can sort out who qualifies.
• Quote Medicare plans, short-term plans, or sharing ministries.
• Quote Colorado's OmniSalud program. If not everyone who needs a plan has a qualifying immigration status, uncheck the box on the income step. The tool then shows prices without the credit, and an advisor can tell you what applies.
• Search for individual doctors. It checks hospitals, and an advisor can check your doctors and prescriptions with you.

How quoting relates to enrolling

Most plans in the tool are sold through Connect for Health Colorado, where the tax credit and Colorado Premium Assistance apply. For households with no credit to use, the tool may also show some silver plans sold directly by an insurance company. They can never get the federal tax credit, even at tax time. Our off-exchange guide explains the difference.

If you want help, "Have a Grove advisor check this plan" sends your request to Grove. An advisor then checks your doctors, prescriptions, and tax credit math with you, and helps you enroll. Your premium is the same either way.

Compare plans

What it costs, and what we keep

Using the tool costs nothing. If you later enroll with Grove as your broker, the insurance company pays Grove a commission, and your premium does not change. Our how-we-get-paid page has the details.

Your answers go to our server so it can work out prices. We do not save them, write them to a log, or attach them to you. Your browser keeps your last answers on your own device so you do not have to retype them, until you choose Start over. We learn who you are only if you ask an advisor to check a plan.

When to call an advisor instead

Call if your income is hard to predict or near 400% of the poverty line. Call if someone in your household has job-based or Medicare coverage, or if your household has mixed immigration status. Call if someone is pregnant or a child may qualify for CHP+. The tool gives you a starting number, and these are the cases where it can be furthest off.

Next step

Try it with your own numbers. It takes three short steps, and you can ask an advisor to check your pick afterward, at no cost.