White Hat Insurance Advisors

10/30/2025

Big changes are coming to Marketplace health plans in 2026-and they'll impact what you pay for coverage.

⌛️Enhanced Tax Credits Expire: Starting Jan 1, 2026 fewer people will qualify for tax credits (primarily those below 400% Federal Poverty Line). Those who still qualify will receive smaller credits and thus face higher premiums.

💸Carrier Rate Increases: Carriers across Colorado are projecting average rate hikes near 28%. These increases are independent of federal subsidy changes, meaning even if tax credits are extended, premiums are still rising.

⚖️ "Big Beautiful Bill" & Silver Unloading: New rules require carriers to spread costs evenly across plan tiers. Silver plans may level out, but many Bronze and Gold plans will see sharper jumps. The bill also adds stricter income verification to prevent surprise tax bills later.

Translation? 2026 will look very different for Marketplace coverage and understanding these updates early can help you prepare for renewal season.

10/27/2025

2026 Health Insurance Updates: Colorado Premium Assistance

Beginning in 2026, Colorado will offer Colorado Premium Assistance (CPA). Since the federal tax credits are set to expire there is a new state-funded subsidy through Connect for Health Colorado to help lower monthly premiums.

Who's eligible?
Anyone qualifies for Advanced Premium Tax Credits (APTC) with income under 400% of the Federal Poverty Level.

Assistance Amount?
Up to $80/month for the first household member and $29/month for each additional member.

💬 Not sure how this affects your plan? Send us a DM and we'll walk through your options together.

10/23/2025

Open Enrollment is approaching and its the perfect time to connect with our brokers who are here to guide you through the process with honesty and transparency.

We prioritize your needs and strive to find the best coverage options for you and your family. Trust our team to provide personalized solutions and expert advise during this important decision-making period.

Have questions? Comment below and we'll reach out to set you up with an agent.

02/17/2022

Connect for Health Colorado announced a Special Enrollment Period that will allow you to still get insurance outside of the normal Open Enrollment Period. The deadline is March 15th, so contact us as soon as possible if you would like to see if you qualify.

Call us at 970-439-1773 or schedule an appointment through our Website (top right corner www.nocohealthinsurance.com)

https://connectforhealthco.com/get-started/disaster-relief-enrollment-period/

12/08/2021

OPEN ENROLLMENT 2022
Open Enrollment is currently ongoing with the first big deadline approaching. December 15th is the deadline for January 1st coverage, BUT the deadline has been extended nationally to January 15th. If you enroll between December 16th and January 15th, it will be for coverage beginning February 1st. Please book an appointment with us online if you'd like to review plan options for 2022. We'll work with you in detail to make sure you are taking full advantage of the new, extended tax credits/subsidies as well as the new plan options available.

Insurance Agency specializing in health insurance for families, individuals, seniors, and small businesses. We are licensed experts in the Healthcare Marketplace and help identify the maximum and correct subsidy amount for every client.

12/08/2021

We're on Facebook!
I'm not going to lie, I've avoided FB for years now, but I think using it for this purpose will be very useful for our office as well as our clients. We'll be updating our page regularly with important information, updates, and industry news. You can book an appointment with us through Facebook or by simply emailing or calling. Thank you for following our page!