Denver Health Medical Plan Health Insurance in Frisco, Colorado
- Denver Health Medical Plan is one of 6 confirmed carriers offering marketplace plans in Frisco's Rating Area 7 for 2026.
- Colorado's marketplace, Connect for Health Colorado, offers HMO, EPO, and PPO plans, with PPOs available on-exchange.
- Individuals and families in Frisco with incomes between 100% and 400% FPL may qualify for significant subsidies to reduce plan costs.
- Frisco's uninsured rate is 13.5%, higher than Summit County's 10.2%, per U.S. Census Bureau ACS 2024 5-year estimates.
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Is Denver Health Medical Plan Available in Frisco?
Yes, Denver Health Medical Plan is a confirmed carrier offering health insurance plans through Connect for Health Colorado in Frisco for the 2026 plan year. Frisco is part of Colorado Rating Area 7, which also covers Eagle, Grand, Jackson, Routt, and Summit counties. This means residents across this multi-county region have access to plans from Denver Health Medical Plan, along with several other regional and national insurers. When you shop on Connect for Health Colorado, you will be able to see the specific plans and networks offered by Denver Health Medical Plan that are available in your ZIP code within Frisco.Understanding Your Health Insurance Options in Frisco
When selecting a health insurance plan in Frisco, it's important to understand the types of plans available and how they affect your access to care. Colorado's marketplace offers a variety of plan structures, 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, providing more flexibility for those who prefer out-of-network options (albeit at a higher cost). Plans are also categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect the actuarial value of the plan, indicating the percentage of healthcare costs the plan is expected to cover versus what you pay out-of-pocket:- Bronze: Covers approximately 60% of costs; you pay about 40%. Best for those who want low monthly premiums and can afford higher out-of-pocket costs for care.
- Silver: Covers approximately 70% of costs; you pay about 30%. These plans are particularly valuable for individuals who qualify for Cost-Sharing Reductions (CSRs), which can significantly lower deductibles, copayments, and out-of-pocket maximums.
- Gold: Covers approximately 80% of costs; you pay about 20%. Ideal for those who expect to use a fair amount of medical care and prefer lower costs when they receive services.
- Platinum: Covers approximately 90% of costs; you pay about 10%. These plans have the highest premiums but the lowest out-of-pocket costs when you get care, suitable for those with extensive medical needs.
Financial Assistance and Medicaid in Frisco
Many Frisco residents qualify for financial assistance to help pay for their health insurance premiums and out-of-pocket costs. These subsidies are available through Connect for Health Colorado based on your household income and family size.Premium Tax Credits (PTCs): These subsidies lower your monthly premium payments. If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for PTCs. For a single individual in 2026, 400% FPL is approximately $60,240. For a family of four, it's around $124,800.
Cost-Sharing Reductions (CSRs): These subsidies reduce the amount you pay for deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are typically for individuals with incomes up to 250% FPL. Combining PTCs with CSRs on a Silver plan can offer the best value for many individuals and families.
Health First Colorado (Medicaid): Colorado expanded Medicaid in 2014, known as Health First Colorado. Adults in Frisco with household incomes up to 138% of the FPL may qualify for comprehensive health coverage at little to no cost. For a single individual, this threshold is approximately $20,783 per year. Health First Colorado also covers pregnant women with income up to 195% FPL (via Child Health Plan Plus, or CHP+) and children in households up to 260% FPL. You can apply for Health First Colorado or CHP+ through Colorado PEAK at colorado.gov/PEAK.
| Household Size | 100% FPL (Medicaid/Subsidy Start) | 138% FPL (Medicaid Max) | 250% FPL (CSR Max) | 400% FPL (Subsidy Max) |
|---|---|---|---|---|
| 1 | $15,060 | $20,783 | $37,650 | $60,240 |
| 2 | $20,440 | $28,207 | $51,100 | $81,760 |
| 3 | $25,820 | $35,632 | $64,550 | $103,280 |
| 4 | $31,200 | $43,056 | $78,000 | $124,800 |
| Note: FPL figures are estimates for 2026 and may be subject to change. | ||||
Health Insurance Carriers in Frisco
For 2026, residents of Frisco and the broader Rating Area 7 have a choice of 6 carriers offering marketplace plans through Connect for Health Colorado. This selection ensures a competitive market with various plan types and price points. The confirmed carriers for Rating Area 7, which covers Eagle, Grand, Jackson, Routt, and Summit counties, are:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Local Healthcare in Frisco and Summit County
Frisco, a town with a population of 2,825, is located within Summit County, which has a population of 31,017, per U.S. Census Bureau ACS 2024 5-year estimates. While Frisco's uninsured rate is 13.5%, higher than the county's 10.2%, residents benefit from local medical facilities. Summit County is home to St Anthony Summit Medical Center, an acute care hospital located directly in Frisco. This facility provides essential medical services, and its inclusion in a carrier's network is a significant consideration for local residents. When selecting a plan from Denver Health Medical Plan or any other carrier, it's advisable to verify that your preferred doctors and local facilities, such as St Anthony Summit Medical Center, are in-network to ensure seamless access to care.Choosing the Right Plan in Frisco
Choosing the right health insurance plan in Frisco depends on your unique circumstances, including your income, health needs, and preferred providers.- If your income is below 138% FPL: You likely qualify for Health First Colorado (Medicaid). This is often the most comprehensive and affordable option.
- If your income is between 138% and 250% FPL: Silver plans are usually your best choice due to enhanced Cost-Sharing Reductions (CSRs) that significantly lower your out-of-pocket costs, in addition to Premium Tax Credits.
- If your income is between 250% and 400% FPL: You will still qualify for Premium Tax Credits. Compare Bronze, Silver, and Gold plans to balance monthly premiums with expected out-of-pocket costs.
- If your income is above 400% FPL: You will pay the full premium for any plan you choose. Focus on finding the plan with the best balance of network, deductible, and copayments for your needs.
Frequently Asked Questions
Is Denver Health Medical Plan part of Connect for Health Colorado?
Yes, Denver Health Medical Plan offers plans through Connect for Health Colorado, the official state health insurance marketplace, including for residents of Frisco and Summit County.
What is the main hospital for Denver Health Medical Plan in Frisco?
While Denver Health Medical Plan is available in Frisco, you should always check the specific plan's provider directory to confirm which local hospitals and doctors, such as St Anthony Summit Medical Center, are in-network for your chosen plan.
Can I enroll in Denver Health Medical Plan outside of open enrollment?
You can enroll outside of the annual Open Enrollment Period if you experience a Qualifying Life Event (QLE), such as losing other coverage, getting married, having a baby, or moving. This triggers a Special Enrollment Period (SEP).
What is the uninsured rate in Frisco, Colorado?
According to U.S. Census Bureau ACS 2024 5-year estimates, the uninsured rate in Frisco is 13.5%. This highlights the importance of exploring all available coverage options, including marketplace plans and Medicaid.