Denver Health Health Insurance in Burlington, Colorado

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

Denver Health Medical Plan is one of 6 health insurance carriers offering marketplace plans in Burlington's Rating Area 9 for the 2026 plan year.
Burlington residents can enroll in HMO, EPO, and PPO plans through Connect for Health Colorado, with financial assistance available based on income.
Health First Colorado (Medicaid) covers adults up to 138% of the Federal Poverty Level, and pregnant women up to 195% FPL through CHP+.
Kit Carson County, where Burlington is located, has a population of 7,023 and an uninsured rate of 12.0%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Burlington, Colorado, involves understanding your choices through Connect for Health Colorado, the state's official marketplace. For 2026, residents of Burlington and the broader Rating Area 9 have access to plans from Denver Health Medical Plan, along with several other trusted carriers. These plans offer comprehensive coverage, and many individuals and families qualify for significant financial assistance, making health insurance more affordable. Whether you're seeking an HMO, EPO, or PPO plan, the Colorado marketplace provides a range of options to fit diverse needs and budgets.

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What Health Insurance Options Are Available in Burlington?

Residents of Burlington, Colorado, primarily access health insurance through Connect for Health Colorado, the state-based marketplace. This exchange allows individuals and families to compare plans, apply for subsidies, and enroll in coverage. Colorado's marketplace is robust, offering a variety 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, offered by carriers such as Denver Health Medical Plan and HMO Colorado, providing greater flexibility in provider choice. The availability of specific plans and their costs depend on your location within the state. Burlington 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, and Yuma counties. This means that plan options and pricing are standardized across all 29 counties in this rating area.

Who Qualifies for Financial Assistance in Colorado?

Colorado has expanded its Medicaid program, known as Health First Colorado, which provides low-cost or no-cost health coverage to eligible residents. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado. This expansion means that individuals and families earning between 100% and 138% FPL can typically access Medicaid, rather than falling into a "coverage gap." Beyond Medicaid, Connect for Health Colorado offers premium tax credits and cost-sharing reductions to help make marketplace plans more affordable. Premium tax credits reduce your monthly insurance premium, while cost-sharing reductions lower your out-of-pocket costs like deductibles, copayments, and coinsurance. Eligibility for these subsidies is based on household income and family size. For example, individuals with incomes between 100% and 400% FPL may qualify for premium tax credits. For enhanced cost-sharing reductions, individuals generally need to select a Silver-tier plan and have an income up to 250% FPL. Colorado also provides support for pregnant women and children through Child Health Plan Plus (CHP+). CHP+ covers pregnant women with incomes up to 195% FPL with comprehensive prenatal, delivery, and postpartum care. For children, CHP+ extends coverage to those in households with incomes up to 260% FPL. Applications for these programs can be submitted through Colorado PEAK at colorado.gov/PEAK.

Health Insurance Carriers in Burlington

For the 2026 plan year, residents of Burlington and the wider Rating Area 9 have a choice of 6 health insurance carriers offering plans through Connect for Health Colorado. These carriers provide a range of plan types, including HMOs, EPOs, and PPOs, to meet the diverse needs of the community. The confirmed carriers available in Rating Area 9 for 2026 include:

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

Denver Health Medical Plan offers various health plans in this region, providing another option for comprehensive coverage. When choosing a plan, it is important to consider factors such as monthly premiums, deductibles, copayments, and the network of doctors and hospitals. Kit Carson County, where Burlington is located, has no acute care hospitals within its boundaries, meaning residents often travel to neighboring counties for acute medical services. With a population of 3,152 and an uninsured rate of 12.3% per U.S. Census Bureau ACS 2024 5-year estimates, access to diverse plan options and financial assistance is crucial for Burlington residents.

Choosing the Right Plan for You in Burlington

Selecting the ideal health insurance plan depends on your individual health needs, financial situation, and preferences. Here’s a guide to help you make an informed decision:

Consider Your Income: If your household income is below 138% FPL, you likely qualify for Health First Colorado (Medicaid), which offers comprehensive coverage with minimal to no costs.
Explore Subsidies: If your income is between 100% and 400% FPL, you may be eligible for premium tax credits to lower your monthly premiums. Those with incomes up to 250% FPL should consider Silver plans to maximize cost-sharing reductions, which reduce out-of-pocket expenses.
Evaluate Plan Types:
- HMO (Health Maintenance Organization): Typically requires you to choose a primary care provider (PCP) within the network and get referrals for specialists. Generally has lower premiums.
- EPO (Exclusive Provider Organization): Does not require a PCP or referrals, but only covers care from providers within its network (except in emergencies).
- PPO (Preferred Provider Organization): Offers the most flexibility, allowing you to see out-of-network providers (though at a higher cost). No referrals needed. PPO plans are available on-exchange in Colorado.
Review Your Healthcare Needs: If you anticipate frequent doctor visits or need specific prescription medications, a plan with a lower deductible and higher monthly premium might be more cost-effective in the long run. If you are generally healthy, a higher-deductible plan with a lower premium could be suitable.
Check Provider Networks: Ensure that your preferred doctors, specialists, and any facilities you use (even if in a neighboring county, given the lack of local acute care hospitals) are included in the plan's network.

For personalized guidance, working with a licensed health insurance producer can simplify the process. They can help you understand your options, compare plans from carriers like Denver Health Medical Plan, and ensure you receive all eligible financial assistance, all at no additional cost to you.

Frequently Asked Questions

Is Denver Health Medical Plan available in Burlington, Colorado?

Yes, Denver Health Medical Plan is one of 6 carriers offering marketplace health insurance plans in Rating Area 9, which includes Burlington (Kit Carson County), for the 2026 plan year through Connect for Health Colorado.

What types of health plans are available on Connect for Health Colorado in Burlington?

In Burlington, Colorado, marketplace shoppers can choose from HMO, EPO, and PPO health plan structures through Connect for Health Colorado. PPO plans are available on-exchange from carriers like Denver Health Medical Plan and HMO Colorado.

Can I get financial assistance for health insurance in Burlington?

Yes, individuals and families in Burlington may qualify for premium tax credits and cost-sharing reductions through Connect for Health Colorado, depending on their income. Colorado also expanded Medicaid (Health First Colorado), covering adults with income up to 138% of the Federal Poverty Level.

What is Rating Area 9 in Colorado?

Rating Area 9 is a multi-county health insurance rating area in Colorado that includes Kit Carson County (where Burlington is located) and 28 other counties, such as Alamosa, Pueblo, and Yuma. Health insurance premiums are standardized across all counties within the same rating area.