My two sons in typical young man procrastination waited to the last minute to apply. They both spent all day on the Colorado Health care site. When they tried to fill out the part to determine if they qualified for assistance, it kicked them out saying they were already on a plan (they could both get on my Tricare if they bothered to apply again but they currently are not. The oldest will no longer be eligible in 3 days). The oldest skipped that and when to apply for a plan without assistance. He found all the language on copays, coinsurance, and deductibles completely confusing and there was no real explanation of it on the site. I did some research on the web and we think we understand it but we aren't sure. Anyway, he found the cheapest plan that would meet his needs, $200 a month, $5000 deductible. He still isn't sure when he has to pay to the deductible or not. Added it to the cart and went to finalize it and the site dumped everything and lost all his information. He given up for the night.