Denver Health Health Insurance in Centennial, Colorado

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

Denver Health Medical Plan is one of 6 carriers offering marketplace plans in Centennial's Rating Area 1 for 2026.
Centennial residents can choose from HMO, EPO, and PPO plan types on Connect for Health Colorado.
Individuals with income up to 138% of the Federal Poverty Level may qualify for Health First Colorado (Medicaid).
Centennial has a low uninsured rate of 3.8%, significantly below Arapahoe County's 9.3%, per U.S. Census Bureau ACS 2024 5-year estimates.

Residents of Centennial, Colorado, seeking health insurance have access to a variety of plans, including options from Denver Health Medical Plan, through Connect for Health Colorado, the state's official health insurance marketplace. As a city within Colorado Rating Area 1, Centennial benefits from competitive plan offerings and potential financial assistance to make coverage more affordable. Whether you're looking for an HMO, EPO, or PPO plan, understanding your choices and eligibility for subsidies is key to securing the right coverage for your needs.

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What Health Insurance Options Are Available in Centennial?

In Centennial, Colorado, health insurance plans are primarily accessed through Connect for Health Colorado. This state-based marketplace allows individuals and families to compare plans, apply for subsidies, and enroll in coverage. For 2026, residents in Colorado Rating Area 1, which includes Centennial, can select from a range of plan types, including Health Maintenance Organizations (HMOs), Exclusive Provider Organizations (EPOs), and Preferred Provider Organizations (PPOs). Unlike some states, PPO plans are available on-exchange in Colorado, offering more flexibility for those who prefer them. Financial assistance, in the form of premium tax credits and cost-sharing reductions, is available to eligible individuals and families based on income. These subsidies can significantly lower monthly premiums and out-of-pocket costs, making comprehensive coverage more accessible. Centennial, with a population of 108,201 and a median household income of $131,928 per U.S. Census Bureau ACS 2024 5-year estimates, demonstrates a community with strong access to health coverage, reflected in its low uninsured rate of 3.8%.

Health Insurance Carriers in Centennial

For the 2026 plan year, residents of Centennial, Colorado, located in Colorado Rating Area 1, have a robust selection of health insurance carriers available through Connect for Health Colorado. In 2026, 6 carriers offer marketplace plans in Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. These carriers include:

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

When choosing a plan, it's important to consider factors such as network size, provider availability, and the specific benefits offered by each carrier. Denver Health Medical Plan, for instance, focuses on integrating care with the Denver Health hospital system and its affiliated providers.

Understanding Your Eligibility and Financial Assistance

Navigating health insurance costs in Centennial often involves understanding your eligibility for financial assistance. Colorado has expanded Medicaid, known as Health First Colorado, providing coverage for adults with incomes up to 138% of the Federal Poverty Level (FPL). For a single individual, this means qualifying for little to no-cost health insurance. For those with incomes above the Medicaid threshold but below 400% FPL, significant premium tax credits are available to reduce monthly insurance premiums. Individuals with incomes between 150% and 250% FPL may also qualify for cost-sharing reductions, which lower deductibles, copayments, and out-of-pocket maximums, making healthcare more affordable when you use it. To apply for Health First Colorado or financial assistance for marketplace plans, residents can use the Colorado PEAK website (colorado.gov/PEAK). Colorado's Child Health Plan Plus (CHP+) also provides valuable support, covering pregnant women with incomes up to 195% FPL and children in households up to 260% FPL, ensuring comprehensive prenatal, delivery, and postpartum care, as well as pediatric services.

Hospitals and Healthcare in Arapahoe County

Centennial is situated in Arapahoe County, which is home to several major healthcare facilities, ensuring residents have access to acute care services. The county's population is 659,844, with a median age of 37.3 years and a poverty rate of 8.6%, per U.S. Census Bureau ACS 2024 5-year estimates. Prominent hospitals in Arapahoe County include Hca-healthone DBA Swedish Medical Center in Englewood, The Medical Center of Aurora & South Hospital in Aurora, and Adventhealth Littleton in Littleton. When selecting a health plan, it is crucial to verify that your preferred doctors and hospitals, such as these, are within the plan's network, especially if you have specific healthcare needs or established provider relationships.

Making Your Health Insurance Decision in Centennial

Choosing the right health insurance plan in Centennial depends on your individual circumstances, income, and healthcare needs.

If your income is at or below 138% FPL: You likely qualify for Health First Colorado (Medicaid). Apply through Colorado PEAK to receive comprehensive, low-cost coverage.
If your income is between 138% and 400% FPL: You are likely eligible for significant premium tax credits on Connect for Health Colorado. Explore Silver plans, especially if your income is closer to the lower end of this range, as you may also qualify for cost-sharing reductions.
If your income is above 400% FPL: You can still purchase plans through Connect for Health Colorado at full price, or explore off-marketplace options. Comparing plan benefits, deductibles, and out-ofpocket maximums will be crucial.

Regardless of your income, it's always advisable to work with a licensed health insurance producer. They can help you navigate the complexities of plan options, verify network compatibility with local providers like Hca-healthone DBA Swedish Medical Center, and ensure you receive all eligible financial assistance, all at no cost to you.

Frequently Asked Questions

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

Yes, Denver Health Medical Plan is one of 6 carriers offering marketplace health insurance plans in Colorado Rating Area 1, which includes Centennial. You can enroll in their plans through Connect for Health Colorado during open enrollment or a special enrollment period.

What types of health plans does Denver Health Medical Plan offer in Centennial?

In Colorado, marketplace plans, including those from Denver Health Medical Plan, are available as HMO, EPO, and PPO options. Centennial residents can choose the plan structure that best fits their needs through Connect for Health Colorado.

How do I enroll in a Denver Health Medical Plan in Centennial?

You can enroll in a Denver Health Medical Plan or other marketplace plans in Centennial through Connect for Health Colorado, the state's official health insurance marketplace. Enrollment typically occurs during the annual Open Enrollment Period, or during a Special Enrollment Period if you experience a qualifying life event like moving or losing coverage.

What is the uninsured rate in Centennial, Colorado?

Centennial, Colorado, has a low uninsured rate of 3.8% according to U.S. Census Bureau ACS 2024 5-year estimates. This is significantly lower than the Arapahoe County average of 9.3%, reflecting strong health coverage access in the city.