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What is the difference between Medicare and Medicaid? Medicare is a medical insurance program for people over 65 and younger disabled people and dialysis patients. Medicaid is an assistance program for low-income patients medical expenses.
In Colorado for 2022 there are 20 Stand-Alone Part D plans. Each of those plans is sold throughout the state. There are 34 Medicare Health Plans (HMO, PPO, or PFFS with drug coverage) and 21 Medicare Health Plans for special populations (Special Needs Plans) that include Part D coverage.
Medicare is a federal government-sponsored health care program primarily for seniors. Health First Colorado (Colorados Medicaid Program) is health care for low-income families and is managed by both the state and federal governments.
A reimbursement system that protects insurers from very high claims. It usually involves a third party paying part of an insurance companys claims once they pass a certain amount. Reinsurance is a way to stabilize an insurance market and make coverage more available and affordable.
Reinsurance works by paying a portion of high-cost claims, allowing insurance companies to lower the premiums for individual health insurance plans.

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Health First Colorado (Colorados Medicaid program) is a public health assistance program for Coloradans who qualify. Children, pregnant women, parents and caretakers, people with developmental, intellectual, and physical disabilities, and adults can all potentially qualify.
Section 1332 of the Affordable Care Act (ACA) permits a state to apply for a State Innovation Waiver (also referred to as section 1332 waiver) to pursue innovative strategies for providing residents with access to high quality, affordable health insurance while retaining the basic protections of the ACA.
Health First Colorado (Colorados Medicaid Program) is free or low-cost public health insurance for Coloradans who qualify. Health First Colorado, administered by Denver Health Medicaid Choice (DHMC), is for individuals who live in Denver, Jefferson, Arapahoe, or Adams counties.
Colorado Option Standardized Plans are required to lower health insurance premiums for individuals, families, and small businesses by 15% by 2025. Due to the entrance of Standardized Plans in the market, the Division was able to submit a federal Section 1332 waiver.
Medicaid in Colorado is known as Health First Colorado. The name and logo represent Colorados member-focused approach to public health care coverage. Member eligibility, benefits, and choice of providers remain the same.

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