Low Cost Health Insurance

Looking for a quick resource for figuring out how to understand and purchase affordable low cost health insurance?

Today, there are two basic types of low cost health insurance: Fee for Service (indemnity plans) and managed care.

The information presented here will help you choose the right plan.


You may be buying low cost health insurance for the first time, or you may already have health insurance Denver, but want to consider changing plans.

Married or single, children or no children, this information will help you to find out how to choose a low cost health insurance plan in Denver that best meets your needs and saves you money.

Health Insurance Q and A Tips

When can my dependents be added to my health insurance?---Typically, you may add dependents during the annual enrollment period.

When can I start making appointments with my physician?---For individual insurance coverage, it depends on how long it takes for your enrollment papers to be processed through underwriting and how long it takes to review your medical records for preexisting conditions. It may take anywhere from two weeks to three months after you have submitted your enrollment paperwork plan carrier to complete underwritting. This delay depends on how long it takes to get records from your physician. Your policy only become effective when underwriting is completed and the insurer has agreed to issue a policy. You may see your physician after the effective date.

Are there preexisting condition limitations if I change health plans?---There is no preexisting condition limitation under your new plan when you transfer plans under group insurance. Any condition for which you are receiving treatment prior to your coverage change will be covered immediately by your new plan.

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