Denver Health Health Insurance Plans in Erie, Colorado

Denver Health Medical Plan is one of 6 carriers offering marketplace health insurance in Erie, CO for 2026.
Erie is part of Colorado Rating Area 4, which includes all of Weld County.
Colorado's marketplace, Connect for Health Colorado, offers HMO, EPO, and PPO plans.
Adults in Colorado with income up to 138% FPL may qualify for Health First Colorado (Medicaid).
The uninsured rate in Erie is 2.9%, significantly lower than Weld County's 8.0%.

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

Residents of Erie, Colorado, seeking health insurance coverage have multiple options, including plans from Denver Health Medical Plan, available through the state's official marketplace, Connect for Health Colorado. In 2026, six carriers provide comprehensive health plans in Rating Area 4, which encompasses Erie and the entirety of Weld County. Whether you're looking for individual, family, or small business coverage, understanding the local market and available subsidies is key to finding the right plan.

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What Health Insurance Options Are Available in Erie, Colorado?

Erie, Colorado, falls within Rating Area 4, where residents can access a variety of health insurance plans through Connect for Health Colorado. The marketplace in Colorado offers Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plan structures. Unlike some states, PPO plans are indeed available on-exchange in Colorado, offered by carriers such as Denver Health Medical Plan and HMO Colorado, providing more flexibility in choosing providers.

These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, based on their cost-sharing structures. Bronze plans typically have the lowest monthly premiums but the highest out-of-pocket costs, making them suitable for those who expect minimal medical care. Silver plans offer a balance of premiums and out-of-pocket costs, and they are the only tier eligible for Cost-Sharing Reductions (CSRs) for qualifying individuals. Gold and Platinum plans feature higher premiums but lower out-of-pocket expenses, ideal for those who anticipate more frequent medical needs.

For individuals and families with lower incomes, significant financial assistance is available. Premium tax credits can reduce your monthly premium payments, and these are available to those earning between 100% and 400% of the Federal Poverty Level (FPL), and even above 400% FPL in some cases due to enhanced subsidies. Additionally, those with incomes between 100% and 250% FPL may qualify for Cost-Sharing Reductions, which lower deductibles, copayments, and coinsurance when enrolling in a Silver plan.

Understanding Denver Health Medical Plan in Erie, CO

Denver Health Medical Plan is one of the confirmed carriers offering health insurance options to residents of Erie through Connect for Health Colorado. While Denver Health Medical Plan is known for its strong presence in the Denver metropolitan area, its availability in Rating Area 4 ensures that Erie residents can access its network of providers and plan benefits. When considering a plan from Denver Health Medical Plan, it's important to review their specific network within Weld County to ensure your preferred doctors and facilities are covered.

The uninsured rate in Erie is notably low at 2.9%, per U.S. Census Bureau ACS 2024 5-year estimates, which is considerably better than the 8.0% uninsured rate for Weld County as a whole. This suggests a high rate of coverage among Erie's population of 33,808, which also boasts a median income of $173,349. Weld County, with a population of 350,396, is served by two acute care hospitals: Banner North Colorado Medical Center and Uchealth Greeley Hospital, both located in Greeley. These facilities provide comprehensive medical services to residents across the county.

Who Qualifies for Health First Colorado (Medicaid) in Colorado?

Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This expansion means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for comprehensive health coverage at little to no cost. For a single individual, this threshold translates to approximately $20,782 annually in 2026. This is a crucial safety net for many Erie residents who might otherwise struggle to afford health insurance.

Beyond standard adult Medicaid, Colorado also offers the Child Health Plan Plus (CHP+). CHP+ covers pregnant women with incomes up to 195% FPL, providing comprehensive prenatal, delivery, and postpartum care. Children in households with incomes up to 260% FPL also qualify for coverage through CHP+. Applications for Health First Colorado and CHP+ can be submitted through Colorado PEAK at colorado.gov/PEAK.

Health Insurance Carriers in Erie

For the 2026 plan year, residents of Erie, Colorado, can choose from a robust selection of health insurance carriers offering plans through Connect for Health Colorado. In 2026, 6 carriers offer marketplace plans in Rating Area 4, which includes Erie and the rest of Weld County. These carriers provide a range of HMO, EPO, and PPO plans across the metal tiers.

The confirmed carriers for Rating Area 4 are:

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

When selecting a plan, it is essential to compare not only premiums but also deductibles, copayments, coinsurance, and the included provider networks. Each carrier offers different plan designs and access to various doctors and hospitals in Weld County and the surrounding areas.

Choosing the Right Health Plan in Erie

Navigating your health insurance options in Erie involves considering your income, health needs, and preferred doctors. Here's a guide to help you make an informed decision:

If your income is below 138% FPL: You likely qualify for Health First Colorado (Medicaid). This program offers comprehensive benefits with minimal out-of-pocket costs. Apply through Colorado PEAK.
If your income is between 100% and 250% FPL: You may qualify for significant premium tax credits and Cost-Sharing Reductions. Choosing a Silver plan is highly recommended, as CSRs only apply to Silver tier plans, substantially lowering your deductibles and copays.
If your income is between 250% and 400% FPL (or higher with enhanced subsidies): You are eligible for premium tax credits to reduce your monthly costs. Compare Bronze, Silver, and Gold plans to find the best balance between premium and out-of-pocket expenses based on your expected healthcare usage.
Consider your healthcare needs: If you have chronic conditions or anticipate frequent doctor visits, a Gold or Platinum plan with lower out-of-pocket costs might save you money in the long run despite higher premiums. If you are generally healthy and only expect preventive care, a Bronze plan with a health savings account (HSA) option could be cost-effective.
Check provider networks: Always verify that your preferred doctors, specialists, and hospitals (such as Banner North Colorado Medical Center or Uchealth Greeley Hospital) are included in the network of any plan you are considering.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Denver Health Medical Plan and other carriers, understand your subsidy eligibility, and enroll in a plan that best meets your needs and budget, all at no cost to you.

Frequently Asked Questions

Can I get Denver Health Medical Plan in Erie, Colorado?

Yes, Denver Health Medical Plan is one of 6 health insurance carriers offering plans on Connect for Health Colorado in Rating Area 4, which includes Erie and all of Weld County, for the 2026 plan year.

What types of health insurance plans are available in Erie, CO?

In Erie, residents can choose from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans through Connect for Health Colorado. PPO plans are available on-exchange in Colorado.

What is the income limit for Medicaid in Colorado?

Colorado expanded Medicaid (Health First Colorado) in 2014. Adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for Medicaid, which offers comprehensive coverage at little to no cost. Pregnant women may qualify for CHP+ up to 195% FPL and children up to 260% FPL.

How do I enroll in a health insurance plan in Erie?

Enrollment for marketplace plans in Erie, Colorado, takes place through Connect for Health Colorado, the state's official health insurance exchange. You can apply during the annual Open Enrollment Period or if you qualify for a Special Enrollment Period due to a qualifying life event.

Are subsidies available for health insurance in Erie, CO?

Yes, eligible individuals and families in Erie can receive premium tax credits and cost-sharing reductions to lower their monthly premiums and out-of-pocket costs. Eligibility is based on household income and family size, with subsidies available for those earning between 100% and 400% (or more) of the Federal Poverty Level.