Denver Health Medical Plan Health Insurance in Crowley County, Colorado

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

In 2026, 6 carriers, including Denver Health Medical Plan, offer health insurance plans on Connect for Health Colorado in Crowley County's Rating Area 9.
Colorado's marketplace includes HMO, EPO, and PPO plan types, with Denver Health Medical Plan offering PPO options.
Crowley County residents with incomes up to 138% FPL may qualify for Health First Colorado (Medicaid), expanded in 2014.
The uninsured rate in Crowley County is 8.1%, slightly above the state average, indicating a need for accessible coverage options.

Navigating health insurance options in Crowley County, Colorado, involves understanding plans available through Connect for Health Colorado, the state's official marketplace. Denver Health Medical Plan is one of the six carriers offering plans in Rating Area 9, which includes Crowley County, for the 2026 plan year. Residents can choose from a variety of plan types, including HMO, EPO, and PPO plans, with potential eligibility for significant financial assistance to lower monthly premiums and out-of-pocket costs. It's crucial to compare coverage options from all available carriers to find a plan that best fits your healthcare needs and budget.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

What Health Insurance Plans Are Available in Crowley County?

In Crowley County, residents can access a range of health insurance plans through Connect for Health Colorado. For the 2026 plan year, plans are offered by six different carriers. Colorado's marketplace is unique in that it offers a full spectrum of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. This means you are not limited to HMO or EPO options if you prefer the flexibility of a PPO. When selecting a plan, consider the different metal tiers:

Bronze Plans: These plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are designed for catastrophic coverage, covering a high percentage of costs only after you've met a substantial deductible. They are a good fit if you anticipate minimal healthcare needs or want to minimize your monthly expense.
Silver Plans: Offering a balance between monthly premiums and out-of-pocket costs, Silver plans are popular. Crucially, if your income qualifies, you can receive Cost-Sharing Reductions (CSRs) exclusively with Silver plans, which further reduce deductibles, copayments, and out-of-pocket maximums. This makes Enhanced Silver plans a highly valuable option for many individuals and families.
Gold Plans: These plans have higher monthly premiums but lower deductibles and out-of-pocket maximums. They cover a larger share of healthcare costs from the start, making them suitable if you expect to use medical services frequently or prefer more predictable costs.

All plans available on Connect for Health Colorado cover the ten essential health benefits, including prescription drugs, mental health services, maternity care, and preventive care, at no additional cost.

Health Insurance Carriers in Crowley County

For 2026, residents of Crowley County, which is part of Colorado Rating Area 9, have access to plans from 6 different health insurance carriers through Connect for Health Colorado. This allows for a competitive marketplace where consumers can compare a variety of options. The confirmed carriers offering marketplace plans in Rating Area 9 for the 2026 plan year are:

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

Denver Health Medical Plan is a prominent provider in the region, offering a variety of health plans, including PPO options, to meet diverse needs. When choosing a plan, it's important to review each carrier's network of doctors and hospitals to ensure your preferred providers are included, especially since Crowley County does not have an acute care hospital within its boundaries, meaning residents often travel to neighboring counties for extensive medical services. Crowley County, part of Colorado Rating Area 9, is one of the state's more rural counties, with a population of 5,647 and an uninsured rate of 8.1% per U.S. Census Bureau ACS 2024 5-year estimates. This rating area 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 of Crowley County have a median income of $48,826, which is an important factor in determining eligibility for premium tax credits and subsidies.

Understanding Financial Assistance and Medicaid in Crowley County

Many Crowley County residents qualify for financial assistance to make health insurance more affordable. The Affordable Care Act (ACA) provides two main types of assistance through Connect for Health Colorado:

Premium Tax Credits: These subsidies reduce your monthly health insurance premium. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). In Colorado, individuals and families with incomes between 100% and 400% FPL may qualify for significant tax credits.
Cost-Sharing Reductions (CSRs): These subsidies lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available with Silver plans and are typically offered to individuals and families with incomes between 100% and 250% FPL.

Medicaid (Health First Colorado) Eligibility

Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that more adults in Crowley County with lower incomes can qualify for comprehensive, low-cost or no-cost health coverage.

Adults: If your household income is at or below 138% of the Federal Poverty Level (FPL), you may qualify for Health First Colorado. Unlike states that have not expanded Medicaid, there is no "coverage gap" for adults in Colorado.
Pregnant Women: Colorado's Child Health Plan Plus (CHP+) covers pregnant women with household incomes up to 195% FPL, providing comprehensive prenatal, delivery, and postpartum care. Women at or below 138% FPL would first qualify for Health First Colorado.
Children: Children in households with incomes up to 260% FPL can qualify for coverage through CHP+.

You can apply for Health First Colorado or CHP+ through Colorado PEAK (colorado.gov/PEAK).

How to Choose the Right Health Plan in Crowley County

Choosing the best health plan involves considering your specific healthcare needs, budget, and access to providers. Here's a step-by-step approach:

Assess Your Healthcare Needs: If you rarely visit the doctor, a Bronze plan with lower premiums might be suitable. If you have chronic conditions, anticipate frequent doctor visits, or are planning a family, a Gold plan or an Enhanced Silver plan (if you qualify for CSRs) might offer better overall value despite higher premiums.
Check Provider Networks: Since Crowley County has no acute care hospitals, confirming that the plan's network includes doctors and hospitals in neighboring counties that you prefer to use is critical. All carriers, including Denver Health Medical Plan, have specific networks.
Understand Costs: Look beyond just the monthly premium. Consider the deductible, copayments, coinsurance, and the out-of-pocket maximum. Use the cost-sharing comparison tools on Connect for Health Colorado.
Utilize Financial Assistance: If your income falls within the eligible ranges, make sure to apply for premium tax credits and cost-sharing reductions through Connect for Health Colorado. These can significantly reduce your costs.
Compare Plan Types: Decide whether an HMO, EPO, or PPO plan best suits your needs regarding referral requirements and out-of-network coverage. Remember that PPO plans are available on-exchange in Colorado.

Frequently Asked Questions

Can I get a Denver Health Medical Plan PPO in Crowley County?

Yes, Denver Health Medical Plan offers PPO plans on Connect for Health Colorado in Rating Area 9, which includes Crowley County. Colorado is one of the states where PPO plans are available through the state marketplace, alongside HMO and EPO options.

What is the average cost of health insurance in Crowley County?

The average cost of health insurance in Crowley County varies significantly based on plan tier, age, and whether you qualify for subsidies. Bronze plans typically have lower premiums but higher out-of-pocket costs, while Gold plans have higher premiums and lower out-of-pocket costs. Many residents qualify for tax credits to reduce their monthly premiums on Connect for Health Colorado.

What is Connect for Health Colorado?

Connect for Health Colorado is the official state-based health insurance marketplace where individuals and families can compare and enroll in ACA-compliant health plans. It's the only place where eligible residents can receive federal tax credits and subsidies to lower their health insurance costs.

Do I qualify for Medicaid in Crowley County, Colorado?

Colorado expanded Medicaid (Health First Colorado) in 2014. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado. Pregnant women can qualify up to 195% FPL via Child Health Plan Plus (CHP+), and children up to 260% FPL through CHP+. You can apply through Colorado PEAK (colorado.gov/PEAK).