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

Denver Health Insurance Plans in Frederick, Colorado

Denver Health Medical Plan is available in Frederick, Colorado, as one of 6 carriers offering marketplace plans in Rating Area 4 for 2026.
Frederick residents can choose from HMO, EPO, and PPO plan types through Connect for Health Colorado.
Approximately 4.1% of Frederick's population is uninsured, lower than the Weld County average of 8.0%, per U.S. Census Bureau ACS 2024 5-year estimates.
Medicaid (Health First Colorado) is available for adults with incomes up to 138% of the Federal Poverty Level.

Navigating health insurance options in Frederick, Colorado, involves understanding the plans available through Connect for Health Colorado, the state's official marketplace. For 2026, residents of Frederick and the broader Weld County area have access to a variety of plans, including those offered by Denver Health Medical Plan. It is crucial to compare coverage, costs, and network providers to find a plan that best fits your needs and budget. Frederick is part of Colorado Rating Area 4, which influences the specific plans and pricing available to local residents. Many individuals and families in Frederick may qualify for financial assistance to make their coverage more affordable.

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What Are Your Health Insurance Options in Frederick?

Residents of Frederick, Colorado, primarily access health insurance through Connect for Health Colorado, the state-based marketplace established under the Affordable Care Act (ACA). In 2026, you can choose from various plan metal tiers—Bronze, Silver, Gold, and Platinum—each offering a different balance of premiums and out-of-pocket costs. Unlike some states, Colorado's marketplace offers a comprehensive selection of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are available on-exchange, providing greater flexibility in choosing healthcare providers, including out-of-network options at a higher cost. Frederick, with a population of 16,651 and a median household income of $129,460, per U.S. Census Bureau ACS 2024 5-year estimates, is part of Weld County. Weld County's 2 acute care hospitals—Banner North Colorado Medical Center and Uchealth Greeley Hospital, both located in Greeley—serve the region, with residents of Frederick traveling for acute care. Understanding the network of your chosen health plan is vital to ensure access to preferred local providers.

Health Insurance Carriers in Frederick

For the 2026 plan year, Frederick, Colorado, is located within Colorado Rating Area 4, which is a single-county rating area. In 2026, 6 carriers offer marketplace plans in Rating Area 4, providing a competitive selection for residents. These carriers include:

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

When considering a plan, especially from Denver Health Medical Plan, it is important to review their specific network of doctors, specialists, and hospitals to ensure it aligns with your healthcare needs. Each carrier offers a range of plans across different metal tiers and plan types, allowing for diverse choices in Frederick.

Understanding Financial Assistance and Medicaid in Frederick

Many Frederick residents qualify for financial assistance, which can significantly reduce the cost of health insurance. These subsidies are available through Connect for Health Colorado:

Premium Tax Credits: These reduce your monthly premium payments. Eligibility is based on household income relative to the Federal Poverty Level (FPL), generally for incomes between 100% and 400% FPL.
Cost-Sharing Reductions (CSRs): These reduce your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are only available with Silver plans and are for individuals and families with incomes up to 250% FPL.

Colorado expanded Medicaid in 2014, known as Health First Colorado. Adults in Frederick with household incomes up to 138% FPL may qualify for comprehensive health coverage at little to no cost. This ensures that individuals and families with lower incomes have access to essential healthcare services without facing a "coverage gap" that exists in non-expansion states. Additionally, Colorado's Child Health Plan Plus (CHP+) covers pregnant women with income up to 195% FPL for comprehensive prenatal, delivery, and postpartum care. For children, CHP+ covers those in households up to 260% FPL. Applications for both Health First Colorado and CHP+ can be submitted through Colorado PEAK (colorado.gov/PEAK).

How to Choose the Right Plan in Frederick

Selecting the best health insurance plan in Frederick depends on several factors, including your income, health needs, and preferred providers.

Income Level (FPL)	Key Consideration	Recommended Action
Below 138% FPL	Likely eligible for Health First Colorado (Medicaid).	Apply for Health First Colorado through Colorado PEAK.
100% - 250% FPL	Eligible for significant premium tax credits and Cost-Sharing Reductions (CSRs).	Strongly consider Silver plans for the best value, as CSRs make them more comprehensive.
251% - 400% FPL	Eligible for premium tax credits, but not CSRs.	Compare Bronze, Silver, and Gold plans based on your expected healthcare usage.
Above 400% FPL	Not eligible for federal subsidies.	Compare all metal tiers (Bronze, Silver, Gold, Platinum) for the best fit without subsidies.

Consider your typical medical expenses, whether you prefer lower monthly premiums or lower out-of-pocket costs, and if your preferred doctors and hospitals are in-network with the plan you choose. A licensed health insurance producer can provide personalized guidance, helping you compare plans from carriers like Denver Health Medical Plan and others to ensure you make an informed decision without any additional cost to you.

Frequently Asked Questions

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

Yes, Denver Health Medical Plan is one of six carriers offering marketplace health insurance plans in Frederick, Colorado's Rating Area 4 for the 2026 plan year. You can enroll through Connect for Health Colorado, the state's official marketplace.

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

Residents of Frederick, Colorado, can choose from HMO, EPO, and PPO health insurance plans on the Connect for Health Colorado marketplace. PPO plans are available on-exchange, giving consumers a wider range of network options.

Do I qualify for financial assistance for health insurance in Frederick?

Many Frederick residents qualify for subsidies to lower their monthly premiums or out-of-pocket costs. Eligibility is based on household income relative to the Federal Poverty Level (FPL). Individuals and families with incomes between 100% and 400% FPL typically qualify for premium tax credits. Medicaid (Health First Colorado) is available for those with incomes up to 138% FPL.

How do I apply for health insurance in Frederick, Colorado?

You can apply for health insurance through Connect for Health Colorado, the state-based marketplace. Enrollment can be done online, by phone, or with the help of a licensed insurance producer. A licensed producer can assist you in comparing plans, checking subsidy eligibility, and completing your application at no additional cost.