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

Denver Health Health Insurance Plans in Berthoud, Colorado

Denver Health Medical Plan is one of 6 carriers offering marketplace plans in Berthoud, Colorado (Rating Area 3) for 2026.
Colorado's marketplace, Connect for Health Colorado, offers HMO, EPO, and PPO plans, with PPOs available on-exchange.
Adults in Colorado may qualify for Health First Colorado (Medicaid) with income up to 138% of the Federal Poverty Level.
Berthoud's uninsured rate is 4.8%, lower than Larimer County's 5.6%, per U.S. Census Bureau ACS 2024 5-year estimates.

If you're looking for health insurance in Berthoud, Colorado, including plans from Denver Health Medical Plan, you have several options through the state's official marketplace, Connect for Health Colorado. As a resident of Berthoud, which is part of Larimer County and falls within Colorado Rating Area 3, you can choose from a variety of plans offered by multiple carriers, including Denver Health Medical Plan, Cigna, and Kaiser Permanente. These plans provide comprehensive coverage for essential health benefits, and many individuals and families qualify for subsidies to help make premiums more affordable. Finding the right plan depends on your budget, preferred doctors, and healthcare needs.

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What Health Insurance Options Are Available in Berthoud, Colorado?

Residents of Berthoud, Colorado, have access to a robust health insurance marketplace through Connect for Health Colorado. This state-based marketplace allows individuals and families to compare plans and enroll in coverage that meets their needs. In Colorado, unlike some other states, PPO plans are available on-exchange, giving consumers more choice in how their care is structured. You can select from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Each plan type offers different levels of flexibility regarding network providers and referral requirements. Many Berthoud residents qualify for financial assistance, known as Advanced Premium Tax Credits (APTCs), which can significantly reduce monthly premium costs. Cost-sharing reductions (CSRs) are also available for those with incomes up to 250% of the Federal Poverty Level who enroll in Silver-tier plans, lowering deductibles, copayments, and out-of-pocket maximums. This support makes quality health coverage accessible for a wide range of incomes.

Health Insurance Carriers in Berthoud

For the 2026 plan year, residents of Berthoud, Colorado, which is located in Larimer County and part of Colorado Rating Area 3, can choose from 6 confirmed carriers offering marketplace plans. These carriers provide a range of options, including plans from Denver Health Medical Plan. The full list of carriers available in Rating Area 3 includes:

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

When selecting a plan, it is important to consider the network of each carrier to ensure your preferred doctors and local hospitals are included. Berthoud's close proximity to other communities in Larimer County means residents have access to facilities like Poudre Valley Hospital in Fort Collins and Medical Center of the Rockies in Loveland. Denver Health Medical Plan, for instance, provides access to a network of providers that may include many of the major systems serving Larimer County.

Medicaid and Child Health Plan Plus (CHP+) in Colorado

Colorado has expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage at very low or no cost. Unlike states that have not expanded Medicaid, Colorado does not have a "coverage gap" for individuals between 100% and 138% FPL. Additionally, Colorado offers the Child Health Plan Plus (CHP+) program, which provides health coverage for pregnant women and children. Pregnant women with household incomes up to 195% FPL can qualify for comprehensive prenatal, delivery, and postpartum care through CHP+. Children in households with incomes up to 260% FPL are also eligible for CHP+ coverage. Applications for Health First Colorado and CHP+ can be submitted through Colorado PEAK at colorado.gov/PEAK. Berthoud, Colorado, with a population of 12,411 and a median income of $119,385, has an uninsured rate of 4.8%, per U.S. Census Bureau ACS 2024 5-year estimates. This is notably lower than the overall Larimer County uninsured rate of 5.6%. Access to programs like Health First Colorado and CHP+, along with subsidized marketplace plans, plays a crucial role in maintaining these lower uninsured rates. Larimer County also has four acute care hospitals, including Poudre Valley Hospital and Medical Center of the Rockies, providing essential services to residents.

Making the Right Choice for Health Insurance in Berthoud

Choosing the right health insurance plan requires careful consideration of your specific needs, budget, and access to care. Here’s a guide to help you navigate your options:

Assess Your Income: If your income is below 138% FPL, explore Health First Colorado. If it's between 138% and 400% FPL, you will likely qualify for significant premium subsidies on Connect for Health Colorado.
Consider Plan Types: Decide if an HMO, EPO, or PPO structure best fits your need for network flexibility and referral requirements. PPO plans on-exchange in Colorado offer more choice if you prefer out-of-network options or don't want a primary care physician referral for specialists.
Check Provider Networks: Ensure that your preferred doctors, specialists, and local hospitals in Larimer County, such as Poudre Valley Hospital or Medical Center of the Rockies, are in the network of any plan you consider, including those from Denver Health Medical Plan.
Evaluate Metal Tiers: Bronze plans have lower premiums but higher out-of-pocket costs. Silver plans offer a balance and are eligible for Cost-Sharing Reductions. Gold plans have higher premiums but lower out-of-pocket expenses, ideal if you expect frequent medical care.

Navigating these choices can be complex. A licensed health insurance producer can provide free, personalized assistance to help you understand your options, compare plans, and enroll in coverage that best suits your family's needs in Berthoud.

Frequently Asked Questions

Can I get Denver Health Medical Plan insurance in Berthoud, Colorado?

Yes, Denver Health Medical Plan is one of 6 carriers offering marketplace health insurance plans in Berthoud, Colorado (Rating Area 3) for the 2026 plan year. You can enroll through Connect for Health Colorado during Open Enrollment or a Special Enrollment Period.

What types of health insurance plans are available in Berthoud?

In Berthoud, Colorado, marketplace plans are available in HMO, EPO, and PPO structures. PPO plans are offered on-exchange by carriers like Denver Health Medical Plan and HMO Colorado, providing more flexibility than in some other states.

What is the income limit for Medicaid in Colorado?

Colorado expanded Medicaid (known as Health First Colorado) in 2014. Adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for Medicaid at little to no cost. Pregnant women may qualify for CHP+ up to 195% FPL, and children up to 260% FPL.

How does health insurance in Berthoud compare to Larimer County overall?

Berthoud, located in Larimer County, has a lower uninsured rate (4.8%) and poverty rate (4.6%) compared to Larimer County's overall uninsured rate of 5.6% and poverty rate of 11.2%, per U.S. Census Bureau ACS 2024 5-year estimates. Both areas have access to the same 6 marketplace carriers.