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

Denver Health Health Insurance Plans in El Paso County, Colorado

Denver Health Medical Plan is one of 6 carriers offering marketplace plans in El Paso County for 2026.
El Paso County is part of Colorado Rating Area 5, which also includes Teller County.
Colorado's Medicaid program, Health First Colorado, covers adults with income up to 138% of the Federal Poverty Level.
Marketplace plans in El Paso County include HMO, EPO, and PPO options, with PPOs available on-exchange.
The average uninsured rate in El Paso County is 7.2%, according to U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in El Paso County, Colorado, especially when considering specific carriers like Denver Health Medical Plan, requires understanding the local marketplace and available subsidies. As a resident of El Paso County, you have access to a variety of plans through Connect for Health Colorado, the state's official health insurance marketplace. Denver Health Medical Plan is among the carriers providing coverage here, offering plans that may align with your healthcare needs and budget. Understanding plan types, eligibility for financial assistance, and local provider networks is key to making an informed decision about your health coverage. This article will guide you through the specifics of securing Denver Health Medical Plan coverage, or other options, within El Paso County.

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What Are Your Options for Denver Health Medical Plan in El Paso County?

Denver Health Medical Plan is a confirmed carrier offering health insurance plans in El Paso County for the 2026 plan year. El Paso County is part of Colorado Rating Area 5, which also covers Teller County. When you apply through Connect for Health Colorado, you will be able to view and compare plans from Denver Health Medical Plan alongside other local carriers. Colorado's marketplace offers 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, including from carriers like Denver Health Medical Plan and HMO Colorado. This means you have more flexibility in choosing a plan structure that suits your preference for network access and referrals. To determine if Denver Health Medical Plan's network includes your preferred doctors or hospitals, it is always recommended to check their specific plan details and provider directories directly through Connect for Health Colorado.

Health Insurance Carriers in El Paso County

For the 2026 plan year, residents of El Paso County have a strong selection of carriers offering plans on Connect for Health Colorado. In 2026, 6 carriers offer marketplace plans in Rating Area 5, which covers El Paso and Teller counties. This competition helps ensure a variety of plan options and price points. The confirmed local carriers for Rating Area 5 are:

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

These carriers provide a range of plans across different metal tiers (Bronze, Silver, Gold, Platinum), each designed to meet varying needs for premiums, deductibles, and out-of-pocket costs. El Paso County, with a population of 742,999 and an uninsured rate of 7.2% per U.S. Census Bureau ACS 2024 5-year estimates, is served by a robust healthcare infrastructure, including major facilities like UCHealth Memorial Health System and Centura Health Penrose St. Francis Health Services, both located in Colorado Springs. These hospitals are part of the six acute care facilities serving the county.

Understanding Subsidies and Financial Assistance

Many individuals and families in El Paso County qualify for financial assistance, known as subsidies, to help lower the cost of their health insurance premiums and out-of-pocket expenses. These subsidies are available through Connect for Health Colorado based on household income and size. There are two main types of subsidies:

Premium Tax Credits (PTC): These credits reduce your monthly premium payments. Eligibility extends to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL), though higher incomes may also qualify if premiums exceed a certain percentage of income.
Cost-Sharing Reductions (CSRs): These subsidies lower your out-of-pocket costs, such as deductibles, co-pays, and co-insurance. CSRs are only available with Silver-tier plans and are typically for those with incomes up to 250% FPL.

Colorado expanded Medicaid in 2014, known as Health First Colorado. Adults in El Paso County with household incomes up to 138% FPL may qualify for comprehensive health coverage at little to no cost. For pregnant women, Health First Colorado (Medicaid) and Colorado's Child Health Plan Plus (CHP+) cover incomes up to 195% FPL, and children up to 260% FPL through CHP+. You can apply for these programs through Colorado PEAK (colorado.gov/PEAK). Even if you think your income is too high, it's worth checking your eligibility on Connect for Health Colorado. Many people are surprised to find they qualify for some form of assistance. For example, a single person in El Paso County with a median income of $90,363 (per U.S. Census Bureau ACS 2024 5-year estimates) might still find a subsidized plan depending on their specific circumstances.

Choosing the Right Health Plan in El Paso County

Selecting the best health insurance plan involves more than just looking at the monthly premium. Consider these factors:

Network: Does the plan include your preferred doctors, specialists, and hospitals? For example, if you prefer UCHealth Memorial Health System in Colorado Springs, ensure it is in the plan's network.
Plan Type: Do you prefer the flexibility of a PPO, or are you comfortable with the more structured network of an HMO or EPO? PPOs from carriers like Denver Health Medical Plan and HMO Colorado are available on-exchange in Colorado.
Costs: Beyond premiums, compare deductibles, co-pays, co-insurance, and the out-of-pocket maximum. A Bronze plan will have lower premiums but higher out-of-pocket costs, while a Gold plan will have higher premiums but lower out-of-pocket costs.
Prescription Drug Coverage: Check the plan's formulary to ensure your necessary medications are covered and at what cost.
Anticipated Healthcare Needs: If you expect to have significant medical expenses in the coming year, a plan with a lower deductible might save you money overall, even if the premium is higher.

El Paso County, with its diverse population and a median age of 35.1 years, offers plans suitable for various life stages and health needs.

Frequently Asked Questions

Can I get Denver Health Medical Plan in El Paso County?

Yes, Denver Health Medical Plan is one of six carriers offering health insurance plans on Connect for Health Colorado in Rating Area 5, which includes El Paso County, for the 2026 plan year. You can compare their plans with others available in your area through the state marketplace.

What types of health plans are available in El Paso County, Colorado?

In El Paso County, Coloradans can choose from HMO, EPO, and PPO health insurance plans on the state marketplace, Connect for Health Colorado. PPO plans are available on-exchange from carriers like Denver Health Medical Plan and HMO Colorado, offering more flexibility in provider choice.

What is the income limit for Medicaid (Health First Colorado) in El Paso County?

Colorado expanded Medicaid in 2014, so adults in El Paso County may qualify for Health First Colorado (Medicaid) if their household income is up to 138% of the Federal Poverty Level (FPL). This provides comprehensive health coverage at little to no cost.

How many health insurance carriers offer plans in El Paso County for 2026?

For the 2026 plan year, six health insurance carriers offer marketplace plans in Rating Area 5, which covers both El Paso and Teller counties. These carriers include Cigna, Denver Health Medical Plan, HMO Colorado, Kaiser Permanente, Select Health, and United Healthcare.