Northern Colorado’s ACA health insurance enrollment deadline nears—act by January 15
The deadline for signing up to Affordable Care Act (ACA) health insurance marketplace plans in Northern Colorado is fast approaching. Residents have until January 15, 2026, to enroll or update their health insurance coverage for the year ahead. Those who miss the cut-off may face a long wait unless they experience a qualifying life event.
ACA marketplace plans provide comprehensive health insurance coverage for individuals and families without employer, Medicare, Medicaid, or CHIP health insurance. The policies include preventive care and essential health services, catering to people at all stages of life.
Residents can secure coverage starting February 1, 2026, if they complete enrollment by the January 15 deadline. Many plans also offer free, one-on-one assistance—including multilingual support—to help applicants understand their options and finalise their choices.
For those already enrolled, reviewing current plans is crucial. Changes in premiums, benefits, or provider networks could lead to unexpected costs if overlooked. Enrolling outside the open window is usually restricted to individuals with qualifying life events, such as marriage or loss of other health insurance.
Discussions in Washington, D.C., about potential 2026 subsidy increases remain ongoing. While no specific officials or organisations have been named in relation to these talks, any adjustments could impact future costs. Residents are advised to check their options carefully before the deadline.
Enrolment can be completed online at www.uhc.com/exchange or www.seguromedicoaca.com (Spanish), or by calling 877-649-9797.
The January 15 deadline marks the last chance for most Northern Colorado residents to secure or adjust ACA marketplace coverage for 2026. Missing the date without a qualifying life event means waiting until the following year’s open enrollment. Free support and online tools are available to guide applicants through the process.
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