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Colorado Cobra Insurance Resource

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COBRA Insurance in Colorado:

What are your options?

State Insurance Department Information:

Colorado insurance department documents and articles of interest:


Cobra Insurance in Colorado:


If you work for an employer that has over 20 full-time employees:  Then federal COBRA law applies, go to COBRA summary


Has Colorado enacted a Law similar to COBRA for business with fewer than 20 full-time employees?


Yes, as of Jan, 1st 1998, employees that work for an employer that has 2-19 employees can get COBRA if declined for coverage due to pre-existing condition.   COBRA vs. Colorado Continuation  Employees are eligible based in the Colorado Uninsurable Health Insurance Plan (CUHIP).  This is a Colorado State run program.  You can goto: COVER COLORADO, state run uninsurable plan.


What are your options?

  1. Contact your previous employer and ask him/her to give you your COBRA papers so that you may see how much it is to continue your health insurance through the group plan.

  2. Shop for temporary health insurance: if you do not have preexisting conditions and need temporary coverage for 1-6 months then temporary health insurance is a great solution and you will find that it is extremely affordable.

  3. If you have preexisting conditions or pregnant you should try to get on another group plan (or pay for COBRA) as quick as you can or contact your local insurance state department to see what they have available for you.  Many states have a guaranteed issue health insurance plan for individuals who cannot secure coverage through a private health insurer.  Check out our Uninsurable State Risk Pools Resource page.

Colorado State Insurance Department Contact Information:


E-Mail the Division of Insurance
1560 Broadway, Suite 850
Denver, CO 80202
(303) 894-7499 - Phone
(303) 894-7490 - Consumer Information
(800) 930-3745 - Toll Free
(303) 894-7455 - Fax


For COBRA (employer groups over 20+ employees) inquires or question you should contact the Department of Labor:


Department of Labor - Colorado Area

San Francisco Regional Office 71

Stevenson St, Ste 915

P.O. Box 190250

San Francisco, CA 94119-0250

Phone: 415-975-4600 Fax: 975-4588

Colorado COBRA links:



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