Colorado

In Colorado, various health insurance options are available to help cover the costs of pregnancy and childbirth care. These include state programs, employer-sponsored plans, marketplace options, private insurance, and additional assistance programs aimed at ensuring expectant parents have access to necessary medical services. Here are some key programs and services:

1. State Plans and Programs

a. Health First Colorado (Colorado's Medicaid Program): Health First Colorado provides health coverage for low-income pregnant individuals and children. Services covered include prenatal and postpartum care, delivery services, hospital stays, and infant care up to one year after birth. Eligibility is based on income and household size. Starting July 1, 2022, Health First Colorado guarantees health coverage for 12 months postpartum. Learn more

b. Child Health Plan Plus (CHP+): CHP+ offers low-cost health insurance for children from birth through age 18 and pregnant individuals who earn too much to qualify for Health First Colorado but not enough to afford private insurance. It provides comprehensive care, including prenatal visits, ultrasounds, and delivery.
Eligibility
Children age 18 and under and pregnant people
Applicants with household income under 260% of the Federal Poverty Level (FPL). See the income table below for more details.
Colorado Residents
Applicants not eligible for Health First Colorado
Applicants who do not have other health insurance. Learn more

c. Cover All Coloradans: the "Cover All Coloradans" initiative ensures that children and pregnant individuals can access health coverage regardless of immigration status. This program aims to provide comprehensive health care access to all residents, emphasizing the state's commitment to inclusive health care. Learn more

1. Employer-Sponsored Plans

Many employers offer health insurance that includes maternity and newborn care. Coverage typically encompasses prenatal visits, ultrasounds, labor and delivery, and postpartum care. Pregnant individuals can enroll in coverage through their own employer or a spouse’s job, depending on the plan's provisions.

1. Health Insurance Marketplace

Through the Health Insurance Marketplace, pregnant individuals can explore various health insurance plans that cover pregnancy and childbirth. Under the Affordable Care Act (ACA), all marketplace insurance plans are required to cover maternity and newborn care as essential health benefits. Coloradans can compare and enroll in plans through the state’s marketplace at Connect for Health Colorado.

1. Private/Individual Insurance Plans

Private health insurance purchased outside the marketplace may also provide coverage, though benefits can vary. It's essential to review each plan's specifics to ensure it meets maternity and childbirth care needs. Additionally, individuals under 26 may be covered under a parent's health insurance plan if it offers dependent coverage, which can include maternity care.