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

Denver Health Insurance Plans in Aurora, Colorado

Denver Health Medical Plan is one of 6 carriers offering marketplace plans in Aurora's Rating Area 1 for 2026.
Aurora residents can choose from HMO, EPO, and PPO plans on Connect for Health Colorado, with PPOs available from carriers like Denver Health Medical Plan.
Individuals and families with incomes up to 400% of the Federal Poverty Level may qualify for significant tax credits to lower premiums.
Aurora's uninsured rate stands at 13.7%, per U.S. Census Bureau ACS 2024 5-year estimates, highlighting the need for accessible coverage.

If you're an Aurora resident looking for health insurance, Denver Health Medical Plan is one of several carriers providing coverage options through Connect for Health Colorado, the state's official marketplace. As Colorado has an expanded Medicaid program and allows PPO plans on-exchange, you have a range of choices to consider. Understanding your options, including potential subsidies and plan types like HMO, EPO, and PPO, is key to finding the right health insurance for your needs and budget. This guide will walk you through Denver Health Medical Plan's presence in Aurora, how to enroll, and what other carriers and plans are available in your area.

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What Health Insurance Plans Does Denver Health Medical Plan Offer in Aurora?

Denver Health Medical Plan offers a variety of health insurance plans to residents in Aurora, Colorado, through the Connect for Health Colorado marketplace. These plans typically include a range of benefits such as doctor visits, prescription drug coverage, hospital stays, and preventive care. As part of Rating Area 1, Denver Health Medical Plan provides options that align with the Affordable Care Act (ACA) guidelines, meaning they cover essential health benefits and cannot deny coverage based on pre-existing conditions. Colorado is one of the states where PPO (Preferred Provider Organization) plans are available on-exchange, alongside HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) options. This means that marketplace shoppers in Aurora can choose a Denver Health Medical Plan PPO, which often provides more flexibility in choosing healthcare providers outside a specific network, albeit sometimes at a higher cost or with different cost-sharing rules. HMOs typically require you to choose a primary care provider (PCP) and get referrals for specialists, while EPOs offer a network of providers you can use without a referral, but generally don't cover out-of-network care. It's important to review the specific plan details to understand network limitations, deductibles, copayments, and coinsurance.

Who Qualifies for Subsidies on Connect for Health Colorado?

Many Aurora residents can significantly reduce their health insurance costs through financial assistance available on Connect for Health Colorado. These subsidies, known as Advance Premium Tax Credits (APTCs), are based on your household income relative to the Federal Poverty Level (FPL). Eligibility for premium tax credits generally extends to individuals and families with incomes between 100% and 400% of the FPL. For those with lower incomes, specifically between 100% and 250% FPL, additional assistance called Cost-Sharing Reductions (CSRs) may be available. CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance, making healthcare more affordable. To receive CSRs, you must enroll in a Silver-tier plan. Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults with incomes up to 138% of the FPL may qualify for comprehensive health coverage at little to no cost. Unlike some other states, Colorado does not have a "coverage gap" for those below 100% FPL, ensuring that more low-income residents have access to essential health services. You can apply for Health First Colorado through Colorado PEAK (colorado.gov/PEAK).

Health Insurance Carriers in Aurora

In 2026, 6 carriers offer marketplace plans in Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. Aurora residents have a competitive selection of health insurance providers to choose from:

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

When comparing plans from these carriers, consider not only the premiums but also the network of doctors and hospitals, the type of plan (HMO, EPO, PPO), and the out-of-pocket costs associated with each tier (Bronze, Silver, Gold, Platinum). Each carrier will have different plan offerings and provider networks, so it's important to verify that your preferred doctors and facilities are included. Aurora, Colorado, with a population of 394,432, is a major city within Arapahoe County, which is served by three acute care hospitals: Hca-healthone DBA Swedish Medical Center in Englewood, The Medical Center of Aurora & South Hospital in Aurora, and Adventhealth Littleton in Littleton. The city's uninsured rate is 13.7%, per U.S. Census Bureau ACS 2024 5-year estimates, indicating a substantial portion of the population that could benefit from exploring coverage options from carriers like Denver Health Medical Plan on Connect for Health Colorado.

Choosing the Right Plan in Aurora

Selecting the best health insurance plan depends on your individual health needs, financial situation, and preferences for provider access. Here's a general guide to help you decide:

If you qualify for Medicaid (Health First Colorado): If your income is at or below 138% of the Federal Poverty Level, you likely qualify for Health First Colorado, providing comprehensive coverage at minimal cost.
If you qualify for Cost-Sharing Reductions (CSRs) and Premium Tax Credits: If your income is between 100% and 250% FPL, enrolling in a Silver-tier plan is often the most cost-effective option. Silver plans with CSRs offer lower deductibles and out-of-pocket maximums than other tiers, combined with reduced premiums from tax credits.
If you only qualify for Premium Tax Credits: With incomes between 250% and 400% FPL, you'll still benefit from premium tax credits. Consider Bronze plans for the lowest premiums if you anticipate minimal healthcare use, or Gold plans if you prefer lower out-of-pocket costs when you do need care.
If you don't qualify for subsidies: You can still enroll through Connect for Health Colorado or explore off-marketplace plans. Focus on finding a plan that balances premium costs with your expected healthcare usage. PPO plans from carriers like Denver Health Medical Plan may offer the network flexibility you desire, while HMOs or EPOs could provide a more budget-friendly option.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Denver Health Medical Plan and other carriers, understand your subsidy eligibility, and navigate the enrollment process on Connect for Health Colorado. This service is typically free to you.

Frequently Asked Questions

Can I get a Denver Health Medical Plan PPO in Aurora?

Yes, Denver Health Medical Plan is one of the carriers that offers PPO plans on the Connect for Health Colorado marketplace in Rating Area 1, which includes Aurora. Colorado is an expansion state where marketplace shoppers can choose from HMO, EPO, and PPO plan structures.

What is the uninsured rate in Aurora, Colorado?

According to U.S. Census Bureau ACS 2024 5-year estimates, Aurora has an uninsured rate of 13.7%. This is higher than the Arapahoe County average of 9.3%, indicating a significant need for affordable health coverage options in the city.

How do I apply for health insurance with Denver Health Medical Plan in Aurora?

You can apply for Denver Health Medical Plan coverage through Connect for Health Colorado, the state's official health insurance marketplace. Eligibility for subsidies and specific plan options are determined based on your income and household size. A licensed health insurance producer can assist you with this process at no cost.

What is Health First Colorado?

Health First Colorado is the name for Colorado's Medicaid program. Colorado expanded Medicaid in 2014, making adults with incomes up to 138% of the Federal Poverty Level eligible for comprehensive health coverage at little to no cost. This program is distinct from marketplace plans like those offered by Denver Health Medical Plan, though it provides a crucial safety net for many residents.