Health Insurance in Colorado Faces Major Shakeup

State and Federal Policy Shifts Could Leave Thousands Without Coverage

Colorado’s health insurance landscape is on the brink of dramatic change. A combination of state budget constraints and sweeping federal policy reforms could result in higher premiums, reduced coverage, and increased barriers to care for hundreds of thousands of residents.

Lawmakers in Denver are scrambling to respond to a projected 28% increase in individual market premiums for 2026, with some rural areas facing hikes as high as 40%. The crisis stems from the expiration of enhanced federal subsidies under the Affordable Care Act (ACA), compounded by a $783 million state budget shortfall…

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