The tool gives an average total price, not the amount you will pay if you have insurance. If you have private health insurance, Health First Colorado (Medicaid), or Medicare, contact them directly to understand what you will have to pay.
It’s still important to pay attention to the total price even if you are not paying all of it. Your health insurance premium – the amount you pay every month – is set every year based on how much your insurer spent on health care the year before. The choices you make today could affect your future premiums.