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

Health Insurance for Landscaping Contractors in Burlington, Colorado

Landscaping contractors in Burlington can choose from 6 carriers offering HMO, EPO, and PPO plans on Connect for Health Colorado.
Individuals with income up to 400% FPL (approx. $60,240 for a single person in 2026) may qualify for premium tax credits.
Low-income contractors earning up to 138% FPL can access comprehensive coverage through Health First Colorado (Medicaid).
The uninsured rate in Burlington is 12.3%, slightly higher than Kit Carson County's 12.0%, per U.S. Census Bureau ACS 2024 5-year estimates.

For self-employed landscaping contractors in Burlington, Colorado, securing affordable health insurance is a critical business and personal decision. The good news is that Colorado's state-based marketplace, Connect for Health Colorado, provides robust options, including subsidies for eligible individuals and families. You can compare various plans, understand your eligibility for financial assistance, and select coverage that fits your budget and healthcare needs. Whether you're a sole proprietor or managing a small crew, understanding the local market and available support can make navigating health insurance much simpler.

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What Health Insurance Options Are Available to Landscaping Contractors in Burlington?

Self-employed landscaping contractors in Burlington have several pathways to health insurance, primarily through Connect for Health Colorado. This marketplace allows individuals to compare plans from multiple private carriers and determine eligibility for financial assistance, such as premium tax credits and cost-sharing reductions. Additionally, Colorado's Medicaid expansion provides a vital safety net for those with lower incomes. Burlington, located in Kit Carson County, is part of Colorado Rating Area 9, which covers Alamosa, Baca, Bent, Chaffee, Cheyenne, Clear Creek, Conejos, Costilla, Crowley, Custer, Elbert, Fremont, Gilpin, Huerfano, Kiowa, Kit Carson, Lake, Las Animas, Lincoln, Logan, Morgan, Otero, Park, Phillips, Prowers, Pueblo, Sedgwick, Washington, Yuma counties. Residents here can choose from a range of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Unlike some states, PPO plans are available on-exchange in Colorado, offering greater flexibility in choosing doctors and hospitals, which can be particularly important for those who might travel for work or seek specialists.

Understanding Financial Assistance: Subsidies and Medicaid

The cost of health insurance can be a significant concern for self-employed individuals. Connect for Health Colorado offers financial assistance designed to make coverage more affordable:

Premium Tax Credits (Subsidies): These reduce your monthly premium payment. Eligibility is based on household income relative to the Federal Poverty Level (FPL). In Colorado, individuals and families earning up to 400% FPL can qualify. For a single person, 400% FPL is approximately $60,240 in 2026.
Cost-Sharing Reductions (CSRs): These are available to individuals with incomes up to 250% FPL and reduce out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans, making them a highly valuable option for eligible contractors.
Health First Colorado (Medicaid): Colorado expanded Medicaid in 2014, meaning adults with household incomes up to 138% FPL can qualify for comprehensive health coverage at little to no cost. For a single individual, 138% FPL is approximately $20,783 in 2026. This program is essential for many low-income contractors.

Comparing Health Plan Tiers and Their Costs

When shopping on Connect for Health Colorado, you'll encounter plans categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect how you and your plan share the cost of healthcare, not the quality of care.

Metal Tier	Monthly Premium	Out-of-Pocket Costs	Best For
Bronze	Lowest	Highest deductibles & copays	Those who expect minimal healthcare use and want low monthly payments, but can afford high out-of-pocket costs if serious illness or injury occurs.
Silver	Moderate	Moderate deductibles & copays	Those who qualify for Cost-Sharing Reductions (CSRs), or who prefer a balance between monthly premiums and out-of-pocket costs. Good for average healthcare users.
Gold	High	Lower deductibles & copays	Those who expect to use healthcare services frequently and prefer to pay more each month for lower costs when they receive care.
Platinum	Highest	Lowest deductibles & copays	Those with chronic conditions or who anticipate very high healthcare usage, willing to pay top dollar monthly for minimal out-of-pocket expenses.

Burlington's population is 3,152 with a median age of 38.1 years, per U.S. Census Bureau ACS 2024 5-year estimates. Kit Carson County, with a population of 7,023 and a median age of 39.5 years, has no acute care hospitals within its boundaries. This means Burlington residents needing acute care travel to a neighboring county. Choosing a plan with a broad network, such as a PPO, might be particularly beneficial for ensuring access to necessary facilities outside the immediate area.

Health Insurance Carriers in Burlington

In 2026, 6 carriers offer marketplace plans in Rating Area 9, serving Burlington and Kit Carson County through Connect for Health Colorado. These carriers provide a variety of HMO, EPO, and PPO plans across the metal tiers, allowing landscaping contractors to find coverage that aligns with their specific needs and budget. The confirmed carriers for this area include:

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

When selecting a plan, it's crucial to check if your preferred doctors, clinics, and any necessary specialists are in-network with the plan you're considering. While Kit Carson County does not have acute care hospitals, confirming access to out-of-county facilities through your chosen plan's network is essential.

Making Your Health Insurance Decision in Burlington

Navigating health insurance as a self-employed landscaping contractor in Burlington involves assessing your income, health needs, and budget. Here’s a step-by-step guide to help you make an informed decision:

Estimate Your Income: Your projected annual income is the primary factor determining your eligibility for subsidies or Health First Colorado. Be as accurate as possible.
Explore Connect for Health Colorado: Visit the official state marketplace to browse plans, compare premiums, and see if you qualify for financial assistance.
Consider Your Healthcare Needs: If you're generally healthy and rarely visit the doctor, a Bronze plan with a lower premium might be suitable. If you have chronic conditions or anticipate frequent medical care, a Gold or Platinum plan could save you money in the long run despite higher monthly premiums.
Check Networks and Providers: Verify that your preferred doctors, specialists, and any necessary out-of-county hospitals are included in the plan's network, especially if you rely on specific providers or facilities.
Understand Out-of-Pocket Costs: Look beyond just the premium. Compare deductibles, copayments, and the maximum out-of-pocket limit for each plan.
Consider Dental and Vision: Standalone dental and vision plans are often available to supplement your medical coverage.

The median income in Burlington is $74,308, while Kit Carson County's median income is $70,259, per U.S. Census Bureau ACS 2024 5-year estimates. These figures indicate that many contractors in the area may fall within income brackets that qualify for significant premium tax credits, making marketplace plans a highly affordable option.

Frequently Asked Questions

Can landscaping contractors in Burlington get health insurance through the Colorado marketplace?

Yes, self-employed landscaping contractors in Burlington can enroll in health insurance plans through Connect for Health Colorado, the state's official marketplace. Depending on their income, they may qualify for significant subsidies to reduce monthly premiums and out-of-pocket costs.

What are the income limits for health insurance subsidies in Colorado?

In Colorado, individuals and families earning up to 400% of the Federal Poverty Level (FPL) can qualify for premium tax credits, which lower monthly premiums. Those earning up to 250% FPL may also be eligible for cost-sharing reductions to lower deductibles and copays. For a single individual, 400% FPL is approximately $60,240 in 2026.

Is Medicaid available for low-income contractors in Burlington?

Yes, Colorado expanded Medicaid in 2014. Landscaping contractors and other adults in Burlington with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado, the state's Medicaid program, which offers comprehensive coverage at little to no cost.

What types of health plans are available to contractors in Kit Carson County?

Landscaping contractors in Kit Carson County, including Burlington, can choose from HMO, EPO, and PPO health plans through Connect for Health Colorado. PPO plans are available on-exchange in Colorado, offering more flexibility in provider choice compared to HMOs or EPOs.