Denver Health Health Insurance Plans in Yuma County, Colorado
- Yuma County is part of Colorado Rating Area 9, served by 6 marketplace carriers in 2026, including Denver Health Medical Plan.
- Colorado's state-based marketplace, Connect for Health Colorado, offers a range of HMO, EPO, and PPO plans.
- Households with incomes up to 400% FPL (e.g., ~$60,240 for an individual) may qualify for significant premium subsidies.
- Adults in Yuma County with incomes up to 138% FPL (e.g., ~$20,783 for an individual) may qualify for Health First Colorado (Medicaid).
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How to Choose the Right Health Insurance Plan in Yuma County
Selecting the ideal health insurance plan in Yuma County requires evaluating several factors, including your healthcare needs, budget, and preferred providers. All plans available through Connect for Health Colorado are compliant with the Affordable Care Act (ACA), meaning they cover essential health benefits, offer free preventive care, and cannot deny coverage based on pre-existing conditions. Consider the following when making your choice:- Network Type: HMOs typically require a primary care physician referral for specialists and only cover in-network care. EPOs offer more flexibility to see specialists without a referral but are still limited to a network. PPOs offer the most flexibility, allowing out-of-network care at a higher cost.
- Metal Tiers: Plans are categorized into Bronze, Silver, Gold, and Platinum tiers. Bronze plans have the lowest premiums but highest out-of-pocket costs, while Platinum plans have the highest premiums and lowest out-of-pocket costs. Silver plans are unique because they are the only tier eligible for Cost-Sharing Reductions (CSRs), which lower deductibles, copayments, and out-of-pocket maximums for eligible individuals.
- Subsidies: Advanced Premium Tax Credits (APTCs) reduce your monthly premium, while Cost-Sharing Reductions (CSRs) reduce your out-of-pocket expenses. Both are available only through Connect for Health Colorado.
Health Insurance Carriers in Yuma County
For the 2026 plan year, residents of Yuma County have a strong selection of carriers offering marketplace plans. In 2026, 6 carriers offer marketplace plans in Rating Area 9, which covers Alamosa, Baca, Bent, Chaffee, Cheyenne, Clear Creek, Conejos, Costilla, Crowley, Custer, Elbert, Fremont, Gilpin, Huerfano, Kiowa, Kit Carson, Lake, Las Animas, Lincoln, Logan, Morgan, Otero, Park, Phillips, Prowers, Pueblo, Sedgwick, Washington, Yuma counties. The confirmed carriers for Yuma County and Rating Area 9 include:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Understanding Financial Assistance and Medicaid in Colorado
Colorado has expanded its Medicaid program, known as Health First Colorado, which significantly impacts eligibility for affordable health coverage. This expansion means more residents can qualify for low-cost or no-cost health insurance.Health First Colorado (Medicaid) Eligibility
Colorado expanded Medicaid in 2014, making it available to adults with household incomes up to 138% of the Federal Poverty Level (FPL). For an individual, this threshold is approximately $20,783 per year in 2024 (based on 2023 FPL guidelines, subject to annual updates). Health First Colorado provides comprehensive benefits with little to no out-of-pocket costs.Child Health Plan Plus (CHP+)
Colorado's Child Health Plan Plus (CHP+) extends coverage to pregnant women with incomes up to 195% FPL and children in households up to 260% FPL. For pregnant women, this program offers comprehensive prenatal, delivery, and postpartum care. Women at or below 138% FPL will first qualify for full Health First Colorado. Applications can be submitted through Colorado PEAK at colorado.gov/PEAK.ACA Subsidies and Cost-Sharing Reductions
For those with incomes above Medicaid thresholds but up to 400% FPL, Advanced Premium Tax Credits (APTCs) are available to reduce monthly health insurance premiums. For example, an individual earning up to approximately $60,240 may qualify for these subsidies. Additionally, individuals with incomes up to 250% FPL can qualify for Cost-Sharing Reductions (CSRs) if they enroll in a Silver-tier plan. CSRs lower deductibles, copayments, and out-of-pocket maximums, making healthcare more affordable when you need it.| Household Size | 100% FPL | 138% FPL (Medicaid) | 250% FPL (CSRs) | 400% FPL (Premium Tax Credits) |
|---|---|---|---|---|
| 1 | $14,580 | $20,110 | $36,450 | $58,320 |
| 2 | $19,720 | $27,214 | $49,300 | $78,880 |
| 3 | $24,860 | $34,318 | $62,150 | $99,440 |
| 4 | $30,000 | $41,422 | $75,000 | $120,000 |
| Note: FPL figures are based on 2023 guidelines, used for 2024 coverage. 2026 eligibility will be based on updated FPLs. | ||||
Local Healthcare Context in Yuma County
Yuma County, with a population of 9,979 and an uninsured rate of 15.7% (per U.S. Census Bureau ACS 2024 5-year estimates), presents a unique healthcare landscape. The county has no acute care hospitals within its boundaries, meaning residents often travel to neighboring counties for hospital services. Despite this, access to health insurance through Connect for Health Colorado and the availability of multiple carriers like Denver Health Medical Plan ensures that residents can secure coverage to manage their healthcare needs. The median age in Yuma County is 40.5 years, and the median income is $60,545, indicating a diverse population with varying healthcare requirements.Get Your Free Quote
Understanding your health insurance options and eligibility for financial assistance can be complex. A licensed health insurance producer can provide personalized guidance, compare plans from Denver Health Medical Plan and other carriers in Yuma County, and help you enroll in the plan that best fits your needs and budget. This service is provided at no cost to you.Frequently Asked Questions
What types of health insurance plans does Denver Health Medical Plan offer in Yuma County?
Denver Health Medical Plan, like other carriers in Colorado's Rating Area 9, offers marketplace plans including HMOs, EPOs, and PPOs. The specific plan types and their availability can vary, so it's essential to check the official marketplace, Connect for Health Colorado, for details.
Can I get a subsidy for Denver Health Medical Plan coverage in Yuma County?
Yes, if you qualify based on your household income and size, you can receive Advanced Premium Tax Credits (APTCs) to lower your monthly premiums for Denver Health Medical Plan plans purchased through Connect for Health Colorado. Cost-sharing reductions (CSRs) may also be available for those with incomes up to 250% of the Federal Poverty Level.
Is Denver Health Medical Plan the only carrier available in Yuma County?
No, Denver Health Medical Plan is one of 6 carriers offering marketplace plans in Colorado's Rating Area 9 for 2026. Other options include Cigna, HMO Colorado, Kaiser Permanente, Select Health, and United Healthcare, providing a range of choices for residents of Yuma County.
What is Connect for Health Colorado?
Connect for Health Colorado is the state-based health insurance marketplace where Colorado residents, including those in Yuma County, can shop for and enroll in ACA-compliant health plans. It's the only place to access subsidies like Advanced Premium Tax Credits and Cost-Sharing Reductions.