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Open enrollment begins November 1, 2026

For Brokers

Health insurance your clients will actually understand.

A truly Colorado-focused plan you can position with confidence — easier to explain, easier to enroll, and backed by a local support team, not a national queue.

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ICHRAIndividual Coverage Health Reimbursement Arrangement

An ICHRA (Individual Coverage Health Reimbursement Arrangement) is an employer-funded benefit that reimburses employees tax-free for individual health insurance premiums and qualified medical expenses, available since 2020 and usable by employers of any size.

How does ICHRA work?

With ICHRA, your employer gives you money each month to help pay for your own health insurance plan. Instead of being limited to just one or two company-selected options, you can shop on the Affordable Care Act (ACA) marketplace or purchase coverage directly from insurance companies.

Coverage areaColorado regional health plan areas and the counties in each.
Map of Colorado counties shaded by rating area: Boulder (1), El Paso and Teller (2), Denver metro counties (3), and Pueblo (7).
Region 11 county
  • Boulder
Region 22 counties
  • El Paso
  • Teller
Region 3 · Denver Metro10 counties
  • Adams
  • Arapahoe
  • Broomfield
  • Clear Creek
  • Denver
  • Douglas
  • Elbert
  • Gilpin
  • Jefferson
  • Park
Region 71 county
  • Pueblo

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