Plans Offered by Anthem Blue Cross and Blue Shield in Colorado
Obamacare and Off-Exchange Health Insurance Plans
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| Plan Name | On or Off Exchange | Plan eligible for subsidy? | Metal Level | Deductible (individual/family) | Out-of-pocket Max (individual/family) | |
|---|---|---|---|---|---|---|
| Anthem Catastrophic Pathway HMO 9450 by Anthem Blue Cross and Blue Shield | Off | Catastrophic | $9,450 / $18,900 | $9,450 / $18,900 | Price & Details | |
| Anthem Catastrophic Pathway Essentials HMO 9450 by Anthem Blue Cross and Blue Shield | Off | Catastrophic | $9,450 / $18,900 | $9,450 / $18,900 | Price & Details | |
| Anthem Bronze Pathway Essentials HMO 9450 $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Bronze | $9,450 / $18,900 | $9,450 / $18,900 | Price & Details | |
| Anthem Colorado Option Bronze Pathway Std by Anthem Blue Cross and Blue Shield | Off | Bronze | $7,500 / $15,000 | $9,450 / $18,900 | Price & Details | |
| Anthem Colorado Option Bronze Mountain Enhanced Std by Anthem Blue Cross and Blue Shield | Off | Bronze | $7,500 / $15,000 | $9,450 / $18,900 | Price & Details | |
| Anthem Bronze Pathway HMO 9450 $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Bronze | $9,450 / $18,900 | $9,450 / $18,900 | Price & Details | |
| Anthem Bronze Pathway HMO 6000 $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Bronze | $6,000 / $12,000 | $9,450 / $18,900 | Price & Details | |
| Anthem Bronze Pathway HMO 7900 for HSA by Anthem Blue Cross and Blue Shield | Off | Bronze | $7,900 / $15,800 | $7,900 / $15,800 | Price & Details | |
| Anthem Bronze Pathway HMO 5650 Rx Copay $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Bronze | $5,650 / $11,300 | $9,450 / $18,900 | Price & Details | |
| Anthem Colorado Option Bronze Pathway Essentials Std by Anthem Blue Cross and Blue Shield | Off | Bronze | $7,500 / $15,000 | $9,450 / $18,900 | Price & Details | |
| Anthem Bronze Pathway Essentials HMO 5650 Rx Copay $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Bronze | $5,650 / $11,300 | $9,450 / $18,900 | Price & Details | |
| Anthem Bronze Pathway Essentials HMO 6000 $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Bronze | $6,000 / $12,000 | $9,450 / $18,900 | Price & Details | |
| Anthem Bronze Pathway Essentials HMO 7900 for HSA by Anthem Blue Cross and Blue Shield | Off | Bronze | $7,900 / $15,800 | $7,900 / $15,800 | Price & Details | |
| Anthem Bronze Mountain Enhanced HMO 9450 $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Bronze | $9,450 / $18,900 | $9,450 / $18,900 | Price & Details | |
| Anthem Bronze Mountain Enhanced HMO 7900 for HSA by Anthem Blue Cross and Blue Shield | Off | Bronze | $7,900 / $15,800 | $7,900 / $15,800 | Price & Details | |
| Anthem Bronze Mountain Enhanced HMO 6000 $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Bronze | $6,000 / $12,000 | $9,450 / $18,900 | Price & Details | |
| Anthem Bronze Mountain Enhanced HMO 5650 Rx Copay $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Bronze | $5,650 / $11,300 | $9,450 / $18,900 | Price & Details | |
| Anthem Silver Pathway HMO 6500 Rx Copay 40% $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $6,500 / $13,000 | $7,800 / $15,600 | Price & Details | |
| Anthem Silver Pathway HMO 3500 Rx Copay 15% $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $3,500 / $7,000 | $9,450 / $18,900 | Price & Details | |
| Anthem Silver Pathway HMO 6500 Rx Copay $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $6,500 / $13,000 | $7,800 / $15,600 | Price & Details | |
| Anthem Silver Pathway HMO 3500 Rx Copay $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $3,500 / $7,000 | $9,450 / $18,900 | Price & Details | |
| Anthem Silver Pathway Essentials HMO 6500 Rx Copay 40% $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $6,500 / $13,000 | $7,800 / $15,600 | Price & Details | |
| Anthem Silver Pathway Essentials HMO 3500 Rx Copay $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $3,500 / $7,000 | $9,450 / $18,900 | Price & Details | |
| Anthem Colorado Option Silver Pathway Essentials Std by Anthem Blue Cross and Blue Shield | Off | Silver | $4,750 / $9,500 | $9,450 / $18,900 | Price & Details | |
| Anthem Silver Pathway Essentials HMO 6500 Rx Copay $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $6,500 / $13,000 | $7,800 / $15,600 | Price & Details | |
| Anthem Colorado Option Silver Pathway Essentials Std by Anthem Blue Cross and Blue Shield | Off | Silver | $4,750 / $9,500 | $9,450 / $18,900 | Price & Details | |
| Anthem Silver Pathway HMO 5000 35% $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Anthem Silver Pathway HMO 3200 for HSA 20% by Anthem Blue Cross and Blue Shield | Off | Silver | $3,200 / $6,400 | $6,800 / $13,600 | Price & Details | |
| Anthem Colorado Option Silver Pathway Std by Anthem Blue Cross and Blue Shield | Off | Silver | $4,750 / $9,500 | $9,450 / $18,900 | Price & Details | |
| Anthem Silver Pathway HMO 5000 $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Anthem Silver Pathway HMO 2800 30% $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $2,800 / $5,600 | $9,450 / $18,900 | Price & Details | |
| Anthem Colorado Option Silver Pathway Std by Anthem Blue Cross and Blue Shield | Off | Silver | $4,750 / $9,500 | $9,450 / $18,900 | Price & Details | |
| Anthem Silver Pathway HMO 2800 $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $2,800 / $5,600 | $9,450 / $18,900 | Price & Details | |
| Anthem Silver Pathway HMO 3200 for HSA by Anthem Blue Cross and Blue Shield | Off | Silver | $3,200 / $6,400 | $6,800 / $13,600 | Price & Details | |
| Anthem Silver Pathway Essentials HMO 2800 30% $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $2,800 / $5,600 | $9,450 / $18,900 | Price & Details | |
| Anthem Silver Pathway Essentials HMO 3500 Rx Copay 15% $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $3,500 / $7,000 | $9,450 / $18,900 | Price & Details | |
| Anthem Silver Pathway Essentials HMO 3200 for HSA 20% by Anthem Blue Cross and Blue Shield | Off | Silver | $3,200 / $6,400 | $6,800 / $13,600 | Price & Details | |
| Anthem Silver Pathway Essentials HMO 5000 $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Anthem Silver Pathway Essentials HMO 2800 $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $2,800 / $5,600 | $9,450 / $18,900 | Price & Details | |
| Anthem Silver Pathway Essentials HMO 3200 for HSA by Anthem Blue Cross and Blue Shield | Off | Silver | $3,200 / $6,400 | $6,800 / $13,600 | Price & Details | |
| Anthem Silver Pathway Essentials HMO 5000 35% $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Anthem Silver Mountain Enhanced HMO 5000 35% $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Anthem Silver Mountain Enhanced HMO 6500 Rx Copay 40% $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $6,500 / $13,000 | $7,800 / $15,600 | Price & Details | |
| Anthem Silver Mountain Enhanced HMO 3200 for HSA 20% by Anthem Blue Cross and Blue Shield | Off | Silver | $3,200 / $6,400 | $6,800 / $13,600 | Price & Details | |
| Anthem Silver Mountain Enhanced HMO 6500 Rx Copay $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $6,500 / $13,000 | $7,800 / $15,600 | Price & Details | |
| Anthem Silver Mountain Enhanced HMO 2800 30% $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $2,800 / $5,600 | $9,450 / $18,900 | Price & Details | |
| Anthem Silver Mountain Enhanced HMO 3500 Rx Copay 15% $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $3,500 / $7,000 | $9,450 / $18,900 | Price & Details | |
| Anthem Colorado Option Silver Mountain Enhanced Std by Anthem Blue Cross and Blue Shield | Off | Silver | $4,750 / $9,500 | $9,450 / $18,900 | Price & Details | |
| Anthem Colorado Option Silver Mountain Enhanced Std by Anthem Blue Cross and Blue Shield | Off | Silver | $4,750 / $9,500 | $9,450 / $18,900 | Price & Details | |
| Anthem Silver Mountain Enhanced HMO 5000 $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Anthem Silver Mountain Enhanced HMO 3500 Rx Copay $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $3,500 / $7,000 | $9,450 / $18,900 | Price & Details | |
| Anthem Silver Mountain Enhanced HMO 3200 for HSA by Anthem Blue Cross and Blue Shield | Off | Silver | $3,200 / $6,400 | $6,800 / $13,600 | Price & Details | |
| Anthem Silver Mountain Enhanced HMO 2800 $0 Select Drugs by Anthem Blue Cross and Blue Shield | Off | Silver | $2,800 / $5,600 | $9,450 / $18,900 | Price & Details | |
| Anthem Colorado Option Gold Pathway Essentials Std by Anthem Blue Cross and Blue Shield | Off | Gold | $1,700 / $3,400 | $8,700 / $17,400 | Price & Details | |
| Anthem Colorado Option Gold Pathway Std by Anthem Blue Cross and Blue Shield | Off | Gold | $1,700 / $3,400 | $8,700 / $17,400 | Price & Details | |
| Anthem Colorado Option Gold Mountain Enhanced Std by Anthem Blue Cross and Blue Shield | Off | Gold | $1,700 / $3,400 | $8,700 / $17,400 | Price & Details |
Learn More About Obamacare and Off-Exchange Plans in Colorado
What are Obamacare Health Insurance Plans?
Obamacare health insurance plans are plans which are eligible for reduced costs with a subsidy tax credit. Obamacare plans are only offered through the federal government exchange marketplace healthcare.gov or some States have their own exchange marketplace website. Although plans are only offered through the exchange marketplaces, the federal government allows certified brokers, agents, and web brokers to help you enroll in an Obamacare plan and apply for a subsidy.
What are Off-Exchange Health Insurance Plans?
Off-Exchange health insurance plans are plans which are available outside of the federal government exchange marketplaces. Off-Exchange plans existed before Obamacare. For example, if someone did not have access to a health insurance plan through work, they may have purchased an Off-Exchange plan offered on the Individual Market.
You can enroll in an Off-Exchange plan through a broker, agent, web broker, or by contacting the insurance company directly.
What’s the difference between Obamacare plans and Off-Exchange plans?
The main difference between Obamacare plans and Off-Exchange plans is that only Obamacare plans are eligible for a subsidy tax credit to reduce costs.
Otherwise there are not many other differences between Obamacare plans and Off-Exchange plans. Plan design, coverage, and rates are similar and both sets of plans must adhere to federal government regulations. In fact, there are many plans which are available as both Obamacare plans and as Off-Exchange plans.
Can a plan be both an Obamacare and Off-Exchange plan?
Yes, a plan can be available as both an Obamacare and an Off-Exchange plan.
On the other hand, some plans are only offered as Obamacare plans while other plans are only offered as Off-Exchange plans.
Do plans which are both Obamacare and Off-Exchange plans cost the same price?
Yes, by law a plan which is offered as both an Obamacare plan and an Off-Exchange plan must be sold at the same price. In addition, broker, agents, and web brokers are required to sell plans at the same market price. However, keep in mind that only Obamacare plans are eligible for a subsidy to reduce the monthly premium price.
Who is eligible for Obamacare and Off-Exchange plans?
Technically everyone is eligible for Obamacare plans and Off-Exchange plans. The real question is - who is eligible for a subsidy tax credit? - which can only be used to reduce the costs of Obamacare plans. Note that even if you are not eligible for a subsidy tax credit, you are still allowed to purchase an Obamacare plan at the full price.
What is the Obamacare Subsidy (Tax Credit)?
The Obamacare subsidy is really a tax credit, and it is formally known as the Advanced Premium Tax Credit (APTC). Typically people receive a tax credit at the end of the year when filing taxes, but this tax credit can be received “in advance”, during the year, to reduce the monthly premium costs of an Obamacare health insurance plan.
You must complete an official federal government application to learn your subsidy amount. Everyone’s amount will be different. The calculation for the subsidy amount can be quite complicated. It is based on several different factors, but household income is the main factor. We recommend using our tool to estimate your subsidy amount.
Search Obamacare plans and estimate subsidy amount
Who is eligible to receive an Obamacare Subsidy (Tax Credit)
To be eligible for a subsidy to reduce the monthly premium costs of Obamacare plans, you must meet the following requirements.
- Income requirements based on household size and household income. As examples, earn less than $48,240 for an individual and less than $98,400 for a family of four
- Not eligible for other federal government sponsored insurance, such as Medicare or Medicaid
- Do not have access to a health insurance plan from your employer which meet federal government coverage and affordability requirements
- File taxes or be claimed as a spouse or dependent on taxes. Married couples are required to file taxes jointly.
- Not be incarcerated
- Be legally present in the United States
Why should I consider Off-Exchange plans?
Off-Exchange plans may provide you with additional options compared to available Obamacare plans. If you are not eligible for a subsidy, or only eligible for a small subsidy amount, Off-Exchange plans may still be an affordable option for you.
A second reason for considering Off-Exchange plans is that your favorite doctor may only accept a plan which is available as an Off-Exchange plan. We recommend researching provider networks when considering health insurance plans. We provide links to official provider directories, or doctor lookups, on Health Plan Radar.
In addition, some health insurance companies have been leaving the Obamacare plan market, but they may still offer Off-Exchange plans. Your preferred insurance company may still offer plans on the Off-Exchange market.
How do I choose an Obamacare plan or Off-Exchange plan which is best for me and my family?
There are several health insurance concepts you should understand before choosing a plan that’s best for you, including premium price, out-of-pocket costs, deductibles, and plan metal levels. Visit our choosing a plan FAQ page to learn more.
FAQs - Choosing an Obamacare or Off-Exchange Health Insurance Plan