Colorado Medicaid Eligibility Calculator 2025
Instantly estimate your eligibility for Health First Colorado (Medicaid) and CHP+ based on 2025 income guidelines.
Colorado Medicaid (Health First Colorado) 2025 Data
Health First Colorado is Colorado's Medicaid program, providing free or low-cost health insurance to eligible Coloradans. For 2025, eligibility is primarily determined by household income and size, with specific programs available for different needs, including adults, children, pregnant women, and individuals with disabilities.
2025 Income Limits for Health First Colorado
The following table outlines the approximate monthly income limits for Health First Colorado eligibility in 2025. These limits are based on a percentage of the Federal Poverty Level (FPL) and are updated annually.
| Family Size | Adults (19-65) | Children (0-18) | Pregnant Women |
|---|---|---|---|
| 1 | Up to $1,735 | Up to $1,852 | Up to $2,544 |
| 2 | Up to $2,345 | Up to $2,503 | Up to $3,437 |
| 3 | Up to $2,954 | Up to $3,154 | Up to $4,331 |
| 4 | Up to $3,564 | Up to $3,805 | Up to $5,225 |
| 5 | Up to $4,173 | Up to $4,456 | Up to $6,119 |
| 6 | Up to $4,783 | Up to $5,107 | Up to $7,012 |
Source: Health First Colorado, ColoHealth
It is important to note that you may still qualify if your income is higher, and the best way to determine eligibility is to apply. The income guidelines are based on Modified Adjusted Gross Income (MAGI) rules.
Eligibility Requirements
To qualify for Health First Colorado, applicants must meet several criteria:
- Residency: Applicants must be Colorado residents.
- Income: Household income must be below the limits set for the specific program. For adults aged 19-64, the income limit is 138% of the FPL.
- Household Composition: The household for eligibility purposes includes the applicant, their spouse, and any children under 19.
- Citizenship and Immigration Status: Applicants must be U.S. citizens or have a qualifying immigration status. As of January 1, 2025, the Cover All Coloradans program provides coverage for children and pregnant people regardless of their immigration status. For other lawfully present adults, a five-year waiting period may apply.
- Asset Limits: For most Health First Colorado programs, there are no asset limits. However, for long-term care programs, such as nursing home care or Home and Community Based Services (HCBS), there are asset limits. For a single applicant in 2025, the asset limit is $2,000.
Covered Benefits and Services
Health First Colorado provides a comprehensive set of benefits, including:
- Physical Health: Doctor visits, specialist visits, hospital care, emergency services, and lab services.
- Dental Services: Cleanings, fillings, root canals, crowns, and dentures.
- Behavioral Health: Counseling, therapy, and substance use treatment.
- Prescription Drugs: A wide range of prescription medications are covered.
- Maternity and Newborn Care: Comprehensive care for pregnant women and new mothers.
- Vision and Hearing Services: Medically necessary eye exams, glasses, and hearing aids.
- Transportation: Non-emergent medical transportation to appointments.
For members under 20 years old, the Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) benefit covers all medically necessary services at no cost.
Special Programs
Child Health Plan Plus (CHP+): This is a low-cost health insurance program for children and pregnant women who have an income that is too high to qualify for Health First Colorado but who cannot afford private insurance. To qualify, household income must be between 147% and 260% of the FPL.
Children with Disabilities (CBwD) Buy-In Program: This program allows families with incomes up to 300% of the FPL to buy into Health First Colorado for their child with a disability. The new income guidelines for this program are effective April 1, 2025.
How to Apply
Coloradans can apply for Health First Colorado and CHP+ through the Colorado PEAK website, by mail, by phone, or in person at a local county human services office or application assistance site.