Health Insurance for Construction Contractors in Aurora, Colorado
- Aurora construction contractors can find health insurance through Connect for Health Colorado, which offers subsidies for those with household incomes between 100% and 400% FPL.
- Colorado's marketplace includes HMO, EPO, and PPO plans, with 6 confirmed carriers serving Rating Area 1 in 2026.
- Contractors with incomes below 138% of the Federal Poverty Level may qualify for Health First Colorado (Medicaid), offering comprehensive, low-cost coverage.
- The average uninsured rate in Aurora is 13.7%, per U.S. Census Bureau ACS 2024 5-year estimates, highlighting the need for accessible coverage.
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What Health Insurance Options Are Available for Contractors in Aurora?
For construction contractors in Aurora, the primary avenues for health insurance are Connect for Health Colorado, Health First Colorado (Medicaid), and the Child Health Plan Plus (CHP+) program.Aurora, part of Colorado Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties, offers a robust marketplace with multiple plan types. In 2026, 6 carriers offer marketplace plans in Rating Area 1, ensuring a range of choices for contractors. The city's population of 394,432 faces an uninsured rate of 13.7%, per U.S. Census Bureau ACS 2024 5-year estimates, making accessible health insurance critical for its residents.
Connect for Health Colorado (ACA Marketplace)
Connect for Health Colorado is the official marketplace where individuals and families can compare and enroll in health plans that comply with the Affordable Care Act (ACA). As a self-employed contractor, you are eligible to purchase plans here. Key features for Aurora contractors:- Subsidies: If your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Premium Tax Credits (PTC) to lower your monthly premiums. Those with incomes up to 250% FPL may also qualify for Cost-Sharing Reductions (CSR) to lower deductibles, copayments, and out-of-pocket maximums.
- Plan Types: Connect for Health Colorado offers a variety of plan structures, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans ARE available on-exchange in Colorado, offered by carriers like Denver Health Medical Plan and HMO Colorado.
- Essential Health Benefits: All plans cover ten categories of essential health benefits, including doctor visits, prescription drugs, emergency services, mental health care, and maternity care.
Health First Colorado (Medicaid)
Colorado expanded its Medicaid program in 2014, known as Health First Colorado. This means that adult construction contractors in Aurora with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive health coverage at little to no cost. There is no "coverage gap" in Colorado for individuals below 100% FPL. Enrollment can be completed through Connect for Health Colorado or directly through Colorado PEAK (colorado.gov/PEAK).Child Health Plan Plus (CHP+)
For contractors with children, Colorado's Child Health Plan Plus (CHP+) provides low-cost health and dental insurance. CHP+ covers children in households up to 260% FPL. Additionally, pregnant women with household incomes up to 195% FPL can receive comprehensive prenatal, delivery, and postpartum care through CHP+. Women at or below 138% FPL will first qualify for full Health First Colorado Medicaid. Applications are processed via Colorado PEAK.How Much Does Health Insurance Cost for Contractors in Aurora?
The cost of health insurance for construction contractors in Aurora depends on several factors, including your income, age, family size, and the plan's metal tier (Bronze, Silver, Gold, Platinum).| Metal Tier | Typical Characteristics | Potential Monthly Premium (before subsidies) | Estimated Deductible Range |
|---|---|---|---|
| Bronze | Lowest premiums, highest deductibles. Covers 60% of costs. Good for healthy individuals who rarely see a doctor. | $350 - $600+ | $7,000 - $9,100 |
| Silver | Moderate premiums and deductibles. Covers 70% of costs (or more with CSRs). Best value for those who qualify for Cost-Sharing Reductions. | $450 - $800+ | $2,000 - $7,000 |
| Gold | Higher premiums, lower deductibles. Covers 80% of costs. Good for those who expect regular medical care. | $600 - $1,000+ | $0 - $2,500 |
Health Insurance Carriers in Aurora
In 2026, 6 carriers offer marketplace plans in Rating Area 1, which includes Aurora. These carriers provide a range of plan types (HMO, EPO, PPO) to choose from:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Making the Right Choice: Next Steps for Aurora Contractors
Choosing the right health insurance plan as a construction contractor in Aurora depends on your income, health needs, and budget. Here's a guide to help you decide:- If your income is below 138% FPL: Apply for Health First Colorado (Medicaid). This is generally the most comprehensive and lowest-cost option if you qualify.
- If your income is between 100% and 250% FPL: Focus on Silver plans through Connect for Health Colorado. You'll likely qualify for both Premium Tax Credits and Cost-Sharing Reductions, making Silver plans a highly subsidized and valuable choice.
- If your income is between 250% and 400% FPL: Explore Bronze, Silver, and Gold plans on Connect for Health Colorado. You will still qualify for Premium Tax Credits, reducing your monthly premiums. Compare the balance between premiums, deductibles, and out-of-pocket maximums.
- If your income is above 400% FPL: You can still purchase plans through Connect for Health Colorado, but without subsidies. Consider your expected medical needs to choose between lower-premium Bronze plans or higher-premium Gold/Platinum plans with lower out-of-pocket costs.
Frequently Asked Questions
Can construction contractors in Aurora get health insurance through Connect for Health Colorado?
Yes, construction contractors in Aurora can purchase health insurance plans through Connect for Health Colorado, the state's official marketplace. Depending on household income, they may qualify for subsidies to lower monthly premiums and out-of-pocket costs. Plans available include HMO, EPO, and PPO options.
What income level qualifies Aurora contractors for Health First Colorado (Medicaid)?
Adult construction contractors in Aurora may qualify for Health First Colorado (Colorado's Medicaid program) if their household income is at or below 138% of the Federal Poverty Level. For pregnant women, the income threshold is higher, up to 195% FPL for the Child Health Plan Plus (CHP+) program.
Are PPO plans available on-exchange for contractors in Aurora, Colorado?
Yes, PPO plans are available on Connect for Health Colorado for Aurora residents, including construction contractors. Unlike some other states, Colorado's marketplace offers a choice of HMO, EPO, and PPO plan structures, with options from carriers like Denver Health Medical Plan and HMO Colorado.
How do I apply for health insurance as a self-employed contractor in Aurora?
You can apply for health insurance through Connect for Health Colorado online, by phone, or with the help of a licensed insurance producer. If you believe you might qualify for Health First Colorado or CHP+, you can also apply through Colorado PEAK (colorado.gov/PEAK).
What is the Open Enrollment Period for health insurance in Colorado?
The Open Enrollment Period for Connect for Health Colorado typically runs from November 1 to January 15 each year. Outside of this period, you can only enroll if you experience a Qualifying Life Event, such as losing other coverage, getting married, having a baby, or moving to a new service area.