Denver Health Health Insurance in Englewood, Colorado
- Denver Health Medical Plan is one of 6 carriers offering health insurance in Englewood for the 2026 plan year.
- Englewood residents (population 34,129) face an uninsured rate of 8.4%, slightly lower than Arapahoe County's 9.3%.
- Colorado's marketplace, Connect for Health Colorado, offers HMO, EPO, and PPO plans, with PPOs widely available.
- Adults in Colorado with income up to 138% of the Federal Poverty Level may qualify for Health First Colorado (Medicaid).
- The median household income in Englewood is $86,800, per U.S. Census Bureau ACS 2024 5-year estimates.
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What Health Insurance Plans Does Denver Health Medical Plan Offer in Englewood?
Denver Health Medical Plan participates in Colorado's health insurance marketplace, Connect for Health Colorado, offering a variety of plans to residents of Englewood. As part of Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties, Denver Health Medical Plan provides options that can range from Health Maintenance Organization (HMO) plans to Preferred Provider Organization (PPO) plans. These plans are designed to meet diverse healthcare needs, often focusing on integrated care within the Denver Health system and its network of partners. When selecting a plan, consider the specific network of doctors, specialists, and hospitals, as well as the out-of-pocket costs like deductibles, copayments, and coinsurance.Understanding Your Marketplace Options in Englewood, Colorado
Englewood residents have access to a robust health insurance marketplace through Connect for Health Colorado. In 2026, the marketplace in Rating Area 1 offers plans from 6 different carriers, including Denver Health Medical Plan. Unlike some states, Colorado allows marketplace shoppers to choose from HMO, EPO, and PPO plans, providing more flexibility, especially with PPOs from carriers like Denver Health Medical Plan and HMO Colorado. These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, each offering different cost-sharing structures.| Metal Tier | Coverage % (Insurer Pays) | Typical Deductible | Best For |
|---|---|---|---|
| Bronze | 60% | High ($7,000-$9,000+) | Lowest premiums, healthy individuals, catastrophic coverage. |
| Silver | 70% | Moderate ($3,000-$6,000) | Mid-range premiums, eligible for Cost-Sharing Reductions (CSRs). |
| Gold | 80% | Low ($0-$2,000) | Higher premiums, frequent medical care, predictable costs. |
| Platinum | 90% | Very Low ($0) | Highest premiums, very high medical needs, minimal out-of-pocket. |
The median household income in Englewood is $86,800, per U.S. Census Bureau ACS 2024 5-year estimates. For individuals and families with incomes between 100% and 400% of the Federal Poverty Level, subsidies (Advance Premium Tax Credits) are available to reduce monthly premiums. Those with incomes between 100% and 250% FPL may also qualify for Cost-Sharing Reductions (CSRs) when enrolling in a Silver plan, which lowers deductibles, copayments, and out-of-pocket maximums.
Health Insurance Carriers in Englewood
For the 2026 plan year, residents of Englewood, Colorado, have a choice of 6 carriers offering marketplace plans in Rating Area 1. This rating area covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties, ensuring a competitive selection of health insurance options. The confirmed carriers available in Englewood for 2026 are:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Local Healthcare Facilities Serving Englewood Residents
Englewood, Colorado, is served by a robust healthcare infrastructure, with several acute care hospitals located within Arapahoe County. Hca-healthone DBA Swedish Medical Center in Englewood is a key facility providing comprehensive medical services. Other notable hospitals in Arapahoe County include The Medical Center of Aurora & South Hospital and Adventhealth Littleton. Englewood, with a population of 34,129 and an uninsured rate of 8.4%, benefits from its location within Arapahoe County, which has a population of 659,844 and a median age of 37.3 years, per U.S. Census Bureau ACS 2024 5-year estimates. These facilities ensure that residents have access to emergency care, specialized treatments, and routine medical services close to home.Medicaid and CHIP Eligibility in Colorado
Colorado 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 may qualify for comprehensive, low-cost or no-cost health coverage. For a single individual, this threshold is approximately $20,782 per year. Additionally, Colorado's Child Health Plan Plus (CHP+) provides coverage for specific groups:- Pregnant women with household incomes up to 195% FPL can receive comprehensive prenatal, delivery, and postpartum care.
- Children in households with incomes up to 260% FPL are eligible for CHP+.
Making Your Health Insurance Decision in Englewood
Choosing the right health insurance plan in Englewood depends on your financial situation, health needs, and preferred providers.- If your household income is below 138% FPL: You likely qualify for Health First Colorado (Medicaid). Apply through Colorado PEAK.
- If your household income is between 100% and 400% FPL: You are eligible for Advance Premium Tax Credits (subsidies) to lower your monthly premiums on Connect for Health Colorado. Consider a Silver plan for potential Cost-Sharing Reductions if your income is below 250% FPL.
- If your household income is above 400% FPL: You can still purchase a plan through Connect for Health Colorado at full price, or explore off-marketplace options directly from carriers.
Frequently Asked Questions
Can I keep my current doctor with a new marketplace plan?
When selecting a new health insurance plan, it's crucial to verify if your current doctors and preferred hospitals are in the plan's network. Each carrier and plan type (HMO, EPO, PPO) has a specific network. Use the carrier's provider search tool or contact your doctor's office to confirm network participation before enrolling.
Is pregnancy considered a qualifying life event for special enrollment?
No, pregnancy itself is not a qualifying life event (QLE) for a Special Enrollment Period (SEP) to purchase an ACA plan. However, the birth of a baby is a QLE, allowing you to enroll or change your plan within 60 days of the birth. If you are pregnant, you may be eligible for Health First Colorado or CHP+ based on income.
What is the difference between an HMO, EPO, and PPO plan in Colorado?
- HMO (Health Maintenance Organization): Generally requires you to choose a primary care provider (PCP) and get referrals for specialists. Coverage is typically limited to in-network providers.
- EPO (Exclusive Provider Organization): Does not require a PCP or referrals but limits coverage to a network of providers, except in emergencies.
- PPO (Preferred Provider Organization): Offers more flexibility; you don't need a PCP or referrals, and you can see out-of-network providers for a higher cost. PPO plans are available on-exchange in Colorado.
When is the Open Enrollment Period for health insurance in Colorado?
The annual Open Enrollment Period (OEP) for health insurance through Connect for Health Colorado typically runs from November 1 to January 15. During this time, anyone can enroll in a new plan or change their existing coverage for the upcoming year. Outside of OEP, you need a qualifying life event (such as losing coverage, getting married, or having a baby) to enroll during a Special Enrollment Period.