Colorado's insurance regulator has approved an average 10% premium increase in the individual health insurance market for plan year 2027. That is the statewide average before each household's plan choice and financial assistance are applied, not a 10% increase for every person buying coverage.
The Colorado Division of Insurance says its rate review reduced proposed premiums by an estimated $42.1 million across the upcoming plan year. It separately estimates an average $20 monthly net premium increase for financially assisted customers from 2026 to 2027 under Colorado Premium Assistance. Without that support, the regulator estimates the average increase for that group would exceed three times as much, around $69 monthly. These are agency estimates for a group, not household price quotes.
The regulator reports an average 14% increase for the small-group market, which serves participating employers, and shows individual-market increases ranging from 5.9% to 15.5% across its nine rating areas. A consumer may see a different change based on location, age, insurer, plan and subsidy. An increase in the sticker price and an increase after aid are different measures.
Colorado says marketplace open enrollment begins November 1, 2026, and plans from a new individual-market insurer, Colorado Access, will be offered. Before renewing, compare the 2027 premium after actual aid, deductible, provider network and prescription coverage, not only a statewide rate headline. Financialist's Maryland ACA report covers a different state's filings; those figures should not be applied to Colorado.