Updated July 2026 · ColoradoPlanFinder.com — Licensed Health Insurance Producer (NPN #21249133)

Health Insurance for Contractors & Attorneys in Aurora, CO

Self-employed contractors and attorneys in Aurora can access subsidized health insurance through Connect for Health Colorado.
In 2026, 6 carriers offer marketplace plans in Aurora's Rating Area 1, including PPO, HMO, and EPO options.
Individuals with incomes up to 400% FPL (e.g., $58,320 for an individual in 2024) may qualify for premium tax credits.
Health First Colorado (Medicaid) is available for adults with incomes up to 138% FPL, providing low-cost or free coverage.
Self-employed individuals can often deduct 100% of their health insurance premiums from their taxable income.

For self-employed contractors and attorneys in Aurora, Colorado, securing comprehensive and affordable health insurance is a critical aspect of financial planning. As independent professionals, you often don't have access to employer-sponsored group plans, making the individual marketplace your primary avenue for coverage. Fortunately, Colorado's state-based marketplace, Connect for Health Colorado, offers a range of plans and financial assistance designed to make health insurance accessible. You can choose from various plan types, including HMO, EPO, and PPO options, and many Aurora residents qualify for significant premium tax credits to reduce their monthly costs. Additionally, self-employed individuals may be able to deduct their health insurance premiums, further lowering their effective cost of coverage.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

How Can Self-Employed Attorneys and Contractors Get Health Coverage in Aurora?

The primary method for self-employed individuals to obtain health insurance in Aurora is through Connect for Health Colorado. This marketplace allows you to compare plans, apply for financial assistance, and enroll in coverage that meets your needs. The Affordable Care Act (ACA) ensures that all plans offered through the marketplace cover essential health benefits, including doctor visits, prescription drugs, hospital care, and mental health services, without discrimination based on pre-existing conditions.

Understanding Your Financial Assistance Options

Your eligibility for financial assistance, such as premium tax credits and cost-sharing reductions, depends on your household income relative to the Federal Poverty Level (FPL).

Premium Tax Credits (Subsidies): These credits reduce your monthly premium payments. They are available to individuals and families with household incomes between 100% and 400% FPL. For example, in 2024, an individual earning up to $58,320 (400% FPL) could qualify for premium tax credits.
Cost-Sharing Reductions (CSRs): These are additional subsidies that lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are available to those with incomes up to 250% FPL and are only applied to Silver-tier plans.
Health First Colorado (Medicaid): Colorado expanded Medicaid in 2014, and it is known as Health First Colorado. Adults with incomes up to 138% FPL can qualify for this program, which provides comprehensive health coverage at little to no cost.

Self-employed individuals often have fluctuating incomes, which can impact subsidy eligibility. It's important to accurately estimate your annual income when applying and update Connect for Health Colorado if your income changes significantly throughout the year.

What Types of Health Plans Are Available in Aurora, CO?

Residents of Aurora, Colorado, have access to a variety of health plan structures through Connect for Health Colorado. Unlike some states, Colorado's marketplace offers a broad selection that includes HMO, EPO, and PPO plans. This flexibility allows self-employed attorneys and contractors to choose a plan that best fits their preference for network access and cost structure.

Health Maintenance Organization (HMO) Plans: Typically have lower premiums and require you to choose a primary care provider (PCP) within the network. Referrals from your PCP are usually needed to see specialists.
Exclusive Provider Organization (EPO) Plans: Offer a network of doctors and hospitals you must use, similar to an HMO, but generally do not require a PCP referral to see a specialist. Out-of-network care is not covered except in emergencies.
Preferred Provider Organization (PPO) Plans: These plans offer more flexibility. You don't usually need a referral to see a specialist, and you can often see out-of-network providers for a higher cost. PPO plans tend to have higher premiums than HMO or EPO plans.

Aurora, located in Arapahoe County, is part of Colorado Rating Area 1. This rating area also covers Adams, Broomfield, Denver, Douglas, and Jefferson counties, ensuring a competitive marketplace with diverse plan options. The city of Aurora has a population of 394,432, with a median income of $88,368, per U.S. Census Bureau ACS 2024 5-year estimates.

Health Insurance Carriers in Aurora

For the 2026 plan year, residents in Aurora's Rating Area 1 can choose from 6 confirmed carriers offering marketplace plans through Connect for Health Colorado. These carriers provide a range of options across different metal tiers (Bronze, Silver, Gold, and Platinum), ensuring you can find a plan that balances premiums, deductibles, and out-of-pocket costs. The confirmed carriers for Aurora and the broader Rating Area 1 are:

Cigna
Denver Health Medical Plan
HMO Colorado
Kaiser Permanente
Select Health
United Healthcare

When selecting a plan, it's essential to verify if your preferred doctors, specialists, and hospitals, such as The Medical Center of Aurora & South Hospital, are included in the plan's network. This is especially important for self-employed individuals who may have established relationships with specific healthcare providers.

Making the Right Choice: Next Steps for Aurora Contractors and Attorneys

Choosing the right health insurance plan as a self-employed professional requires careful consideration of your income, health needs, and budget.

Estimate Your Income: Accurately project your annual income to determine your eligibility for premium tax credits and cost-sharing reductions.
Compare Plans on Connect for Health Colorado: Review the available HMO, EPO, and PPO plans from carriers like Cigna and Kaiser Permanente. Pay close attention to premiums, deductibles, copayments, and the out-of-pocket maximum.
Check Provider Networks: Ensure that your preferred doctors, specialists, and local hospitals, including Adventhealth Littleton and Hca-healthone DBA Swedish Medical Center in Arapahoe County, are in-network for any plan you consider.
Consider Metal Tiers:
- Bronze plans have lower premiums but higher deductibles, suitable if you expect minimal healthcare use.
- Silver plans offer a balance and are the only plans eligible for cost-sharing reductions if you qualify based on income.
- Gold and Platinum plans have higher premiums but lower deductibles and out-of-pocket costs, ideal if you anticipate frequent medical care.
Explore Health Savings Accounts (HSAs): If you choose a high-deductible health plan (HDHP), you may be eligible for an HSA, allowing you to save and spend money on healthcare tax-free.
Consult a Licensed Agent: A licensed health insurance producer can provide free, personalized guidance, helping you navigate the marketplace, understand your options, and enroll in a plan that best fits your unique situation.

Aurora, with a population of 394,432, faces an uninsured rate of 13.7% per U.S. Census Bureau ACS 2024 5-year estimates. This highlights the importance of understanding all available coverage options and financial assistance programs to ensure you and your family are protected.

Frequently Asked Questions

Can I get health insurance if I'm a self-employed attorney in Aurora, CO?

Yes, self-employed attorneys and contractors in Aurora can enroll in health insurance through Connect for Health Colorado, the state's official marketplace. You may qualify for significant subsidies based on your income, making comprehensive coverage more affordable. Plans available include HMO, EPO, and PPO options.

What income level qualifies me for health insurance subsidies in Colorado?

In Colorado, individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL) can qualify for premium tax credits to lower their monthly health insurance costs. For 2024, 100% FPL is $14,580 for an individual, and 400% FPL is $58,320. Those below 138% FPL may qualify for Health First Colorado (Medicaid).

Are PPO plans available on the Colorado health insurance marketplace?

Yes, PPO plans are available on-exchange through Connect for Health Colorado. This means you can choose from HMO, EPO, and PPO plan structures, often with the benefit of premium tax credits. In Aurora's Rating Area 1, carriers like Denver Health Medical Plan and HMO Colorado offer PPO options, alongside other plan types.

Can I deduct health insurance premiums if I'm a self-employed contractor or attorney?

Yes, if you are self-employed and not eligible to participate in an employer-sponsored health plan, you can generally deduct 100% of the health insurance premiums you pay for yourself, your spouse, and your dependents. This is an 'above-the-line' deduction, meaning it reduces your adjusted gross income (AGI) and thereby your taxable income. Consult with a tax professional for personalized advice.