Racey Insurance Agency consists of two certified Health Insurance Brokers in the state of Colorado.  Combined, we have over 30 years of experience in the industry.  Health Insurance is complicated.  We provide more than simple rate quotes.  We are here to help you navigate through the ever changing system, and answer questions along the way. 

What Will the Broker Do?

  • Shop for the right plan(s) for you, and provide you with one or more premium quotes.
  • Discuss alternatives with you so that you have a clear understanding of your plan choices.
  • Implement the plan you select.
  • Service the account, including solving problems with billing, eligibility and claims.
  • Ease the burden on your time by doing the “legwork” for you.
  • Get the most from your coverage after you’ve bought it.
  • Assist with the renewal process.

Medicare Plans for 2018

You may apply for Medicare 3 months prior to your 65th birthday.  If you would like to make changes to your existing coverage, the following dates apply:
  • October 15, 2018: Open Enrollment Begins.  
    • You can switch from Original Medicare to Medicare Advantage, or vice versa.
    • You can also switch from one Medicare Advantage plan to another, or from one Medicare Part D (prescription drug) plan to another.
    • And if you didn’t enroll in a Medicare Part D plan when you were first eligible, you can do so during the general open enrollment, although a late enrollment penalty may apply.
  • December 7, 2018: This is the last day you can make changes to your 2017 coverage.

Open Enrollment for 2018 is closed.

You may still be able to purchase heath insurance for 2018 if you have a qualifying Life Changing Event. 

Life Changing Event Qualifications

During the year, you may have a change in circumstances that would require a change in your health care plan.  These special “life changing events" may allow you to change your health insurance coverage outside of the Open Enrollment Period, within 60 days of the event.  The following circumstances apply:

  • Birth of a baby, adoption of a child or placement of a child for foster care
  • Change in marital status
  • Move to a new permanent address in your state
  • Changes in your income that affect the financial assistance you qualify for
  • Change of tribal status
  • Become a U.S. citizen
  • Leaving incarceration
  • Change of dependency status of someone on your plan
  • Death of a covered member of your household
  • Turning 26 and aging off your parent’s plan
  • Starting/ending AmeriCorps service
  • Incorrectly or inappropriately enrolled in a health plan for some reason that is not due to an error or omission on the part of Connect for Health Colorado
  • Violation of the contract you had with your health insurance carrier
  • Loss of an exemption to purchase health insurance coverage
  • Change in affordability of employer-sponsored insurance
  • Loss of minimum essential coverage

If you don’t enroll in a qualifying ACA plan, you may be incur a penalty on your tax return.  For more information, ask you tax consultant or visit irs.gov