Health Insurance Help
Connect for Health Colorado (Marketplace)
Best overall option for most career nannies.
Website: https://connectforhealthco.com
Nannies who are paid legally as W-2 employees can purchase individual health insurance through Colorado's marketplace and may qualify for:
Premium tax credits (based on income)
Cost-sharing reductions
Special enrollment periods if they recently lost coverage
Popular carriers include:
Kaiser Permanente
Anthem Blue Cross Blue Shield
Denver Health Medical Plan
Rocky Mountain Health Plans
Many nannies are surprised to find they qualify for substantial subsidies, especially if they earn under approximately $60,000-$70,000 as a single individual.
Colorado Medicaid (Health First Colorado)
Best for lower-income nannies.
Website: https://www.healthfirstcolorado.com
Depending on annual income, some nannies may qualify for:
Free or very low-cost health insurance
Dental coverage
Mental health services
Prescription coverage
QSEHRA (Qualified Small Employer Health Reimbursement Arrangement)
Great for families who want to help more formally.
Through a service like:
PeopleKeep
Take Command
Remodel Health
Families can reimburse a nanny for health insurance premiums and qualified medical expenses up to IRS limits.
This is less common but can be an attractive benefit for long-term placements.
Denver Health
For nannies who primarily use Denver-area providers, Denver Health plans can be surprisingly affordable and provide good coverage
if they are comfortable staying within the Denver Health network.