If you are living in Colorado and uninsured or unhappy with your current health coverage, you'll have several options depending on your income and needs: Option 1: Colorado Medicaid; Option 2: Health Insurance Marketplace; Option 3: Buy Insurance Outside the Marketplace.

State law specifies which factors an insurance company can review in order to adjust health care premiums each year. These "rating factors" vary in each of Colorado's three insurance markets large group, small group and individual. Companies adjust premiums according to the way the factors affect a particular employer or individual.

State law specifies which factors an insurance company can review in order to adjust health care premiums each year. These "rating factors" vary in each of Colorado's three insurance markets large group, small group and individual. Companies adjust premiums according to the way the factors affect a particular employer or individual.