Friday Health Plans – Insurance Agency in Alamosa Colorado

Friday Health Plans has grown incredibly quickly, which is a testament to the strength of their mission of delivering affordability, simplicity and outstanding customer service.  Unfortunately, Friday has been unable to scale our financial infrastructure to match the pace of our growth and secure the additional capital required to run our business.

The Friday Health Plans top priority is to ensure that your access to benefits is uninterrupted during this process. Seeing a doctor can take on many different meanings these days, depending on what you need, how you need it, and when. Friday Health Plans has a variety of options to get you the medical help that’s right for you.

About Friday Health Plans

Friday Health Plans are meant for individuals who buy their own health insurance. Independent consultants, freelance professionals, tradespeople, service workers, part-time workers, and anyone else who does not have health insurance through their employment. Friday is in the business of providing low-cost health insurance with features that work for self-sufficient individuals and families. And because Friday’s plans are all available through the Health Insurance Marketplace as part of the Affordable Care Act, you can be confident that they will cover you regardless of any pre-existing conditions.

Health Plans are offered in the bronze, silver, gold and catastrophic categories. They include benefits that customers highly value, such as:

  • $0 primary care visits in person and online
  • $0 mental health visits
  • thousands of $0 preferred generic drugs
  • $75 urgent care visits
  • All before the deductible.

All Friday Health Plans’ products are compliant with the Affordable Care Act and are regulated by individual states’ divisions of insurance. Plans are offered on and off the health insurance marketplace, through licensed brokers and through the Friday Health Plans website.

Why Choose Friday Health Plans?

  • Tailored Plans: Our health insurance plans are designed to meet the diverse needs of individuals, families, and businesses. We believe in offering choices so you can select a plan that aligns with your health requirements and budget.
  • Transparent Information: Navigating insurance can be confusing, but we believe in transparency. Our team will provide you with clear and concise information, ensuring that you understand your coverage options and benefits.
  • Local Support: We’re not a faceless corporation. We’re your neighbors, your friends, and your fellow community members. Our local support team is readily available to address your inquiries and assist you whenever you need guidance.
  • Community-Centric Approach: Alamosa is not just a location; it’s a community we care deeply about. Our approach is rooted in the well-being of our neighbors, and we’re committed to playing our part in enhancing the health and happiness of our community.

Does Colorado operate a high-risk insurance pool?

Before the ACA reformed the individual health insurance market, coverage was underwritten in nearly every state, including Colorado. People with pre-existing conditions were often unable to purchase coverage in the private market, or were only eligible for policies that excluded their pre-existing conditions or charged them premiums that were significantly higher than the base rate.

CoverColorado was created in 1991 to provide an alternative for people who were not able to get comprehensive coverage in the private market because of their medical history.

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One of the primary reforms ushered in by the ACA was guaranteed issue coverage in the individual market. An applicant’s medical history is no longer a factor in eligibility, which means that high-risk pools are no longer necessary the way they once were. CoverColorado stopped enrolling new applicants at the end of 2013, and the program ceased altogether in March 2014.

How Much Does Health Insurance Cost Per Month?

The average monthly health insurance costs for a 30-year-old individual is:

  • $436 for an exclusive provider organization (EPO) plan.
  • $390 for a health maintenance organization (HMO).
  • $458 for a preferred provider organization (PPO).

ACA Health Plan -Alamosa Colorado

Source: Based on unsubsidized ACA plans.

Follow the latest Friday Health Plans updates HERE


Insurance Agency in Alamosa Colorado

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Insurance Agency in Alamosa Colorado

7 Factors That Influence Health Insurance Costs

The ACA allows health insurance companies to use numerous factors when determining premiums. Here are the factors that determine  ACA marketplace costs.

  1. Your Age

In contrast to the employer-sponsored health insurance market, ACA marketplace insurance providers base rates on a person’s age.

  1. Where You Live

Insurance companies base their rates on your location. Because there are fewer companies to share the expense of providing health insurance in that area, insurers in states with fewer health insurance plans on the marketplace may charge more for coverage.

People in rural areas may have fewer health plan options, thus they may spend more for care than those in urban and suburban areas.

  1. Whether You Smoke

The Affordable Care Act (ACA) allows insurance companies to charge smokers greater premiums in the marketplace. A health insurance provider may charge a smoker up to 50% more than a nonsmoker.

  1. Metal Tier

Metal levels in the ACA marketplace assist consumers in selecting plans based on cost. Bronze, Silver, Gold, and Platinum are the metal tiers.

Most ACA health plans are Bronze or Silver, with lower rates and larger deductibles. Gold health plans offer greater premiums than Bronze and Silver policies, but lower out-of-pocket expenses. Platinum plans, which have higher premiums and lower deductibles, account for only a small percentage of ACA policies.

The metal tier you select is determined by whether you prefer greater premiums or higher deductibles.

  1. How Many People Are Covered

Having single coverage costs less than if you have multiple people on your health plan.

  1. Type of Health Plan

The benefit design of a health plan influences costs and how you receive treatment.

HMOs and EPOs provide the lowest premiums, but you must use the plan’s provider network. Non-emergency care received outside of the network by an EPO or HMO is typically not covered. You must instead bear the entire cost.

PPOs give you the most freedom to seek care outside of your network because you don’t have to name a primary care provider or obtain referrals to see specialists.

When comparing a PPO to an HMO or EPO, you must consider whether flexibility or reduced premiums are more important to you.

  1. Your Household Income

Based on your household income, the ACA marketplace provides premium tax credits and cost-sharing subsidies. This can result in lower premiums and out-of-pocket expenses.

Premium tax credits are available to people whose household income is 400% or less of the federal poverty line. Those with Silver plans may also be eligible for cost-sharing reductions, which cut out-of-pocket expenses.

When you enter your household income and family size into the ACA marketplace at, the site will take those data into account.


Contact Friday Health Plans Crew – Visit the Official Website


What is happening with Friday health plans in Colorado?

The DOI has proactively requested that Friday Health be placed into liquidation by the courts. On August 31, 2023, their Colorado health insurance plans will expire. As a result, the special enrollment period (SEP) allowing current Friday members to enroll in new coverage will start right away.

What are the 5 top health insurance?

Top 5 Health Insurance Companies in India 2023

  1. ICICI Lombard General Insurance.
  2. Royal Sundaram.
  3.  Religare Health Insurance.
  4. Future Generali General Insurance Company.
  5. Apollo Munich Health Insurance.
What is the address for Friday Health Plan of Colorado claims?

Mailing/Claims Address: Friday Health Plans

PO Box 21594, Eagan, MN 55121 (If you send a claim to the Sidney, NE PO Box, it will be forwarded).

Does the state of Colorado offer health insurance?

Health First Colorado (Colorado’s Medicaid program) and Child Health Plan Plus (CHP+) are free or low cost health insurance programs for Coloradans who qualify. Health First Colorado and CHP+ cover doctor’s visit, prescription drugs.

What is Colorado Option health plan?

The Colorado Option is a first-of-its-kind, state-designed insurance plan that private insurance companies are required to sell to people who buy health insurance on their own or to small companies buying insurance for their employees. It aims to offer better benefits at lower prices.

How many insurers offer marketplace coverage in Colorado?

Five insurers participate in the Colorado health insurance marketplace as of 2023:

  • Anthem
  • Cigna
  • Denver Health
  • Kaiser
  • Rocky Mountain Health Plans
What type of health insurance marketplace does Colorado utilize?

Colorado utilizes a state-run health insurance exchange – Connect for Health Colorado. And as of 2023, there is also a separate platform (Colorado Connect/OmniSalud) that can be used by undocumented immigrants, since federal rules prohibit people from using the exchange if they aren’t lawfully present in the US.

How much is Colorado State health insurance?

Health Insurance Costs in Colorado by Age and Metal Tier:

  • Bronze: $334 per month.
  • Expanded Bronze: $352 per month.
  • Silver: $442 per month.
  • Gold: $435 per month.

See your Colorado health coverage options now. Find affordable individual and family plans, small-group, short-term or dental plans.

Colorado health coverage options

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