Health Insurance in Adams County, Colorado

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

In 2026, 6 carriers offer marketplace health insurance plans in Adams County's Rating Area 1.
Colorado's state marketplace, Connect for Health Colorado, provides subsidized plans for eligible individuals and families.
Adults in Adams County with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado (Medicaid).
Pregnant women can access coverage through Child Health Plan Plus (CHP+) with incomes up to 195% FPL, and children up to 260% FPL.
Adams County has a population of 530,225 and an uninsured rate of 11.6%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Adams County, Colorado, involves understanding both state-specific programs and local plan availability. As part of Colorado Rating Area 1, Adams County residents can access a variety of health plans through Connect for Health Colorado, the state's official health insurance marketplace. For 2026, six different carriers offer plans in this rating area, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) options. Financial assistance is available to help reduce monthly premiums and out-of-pocket costs for eligible individuals and families, making coverage more affordable.

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Finding Affordable Coverage Through Connect for Health Colorado

Connect for Health Colorado is the state-based marketplace where Adams County residents can shop for and enroll in health insurance plans. This marketplace is the only place where you can receive financial assistance, known as subsidies, to lower your monthly premiums and out-of-pocket expenses. Subsidies are available to individuals and families with incomes up to 400% of the Federal Poverty Level (FPL), and sometimes higher, depending on the number of people in the household and the cost of coverage. Colorado's marketplace offers a wide range of plan types, including HMO, EPO, and PPO plans. Unlike some states where PPO options are only available off-exchange, Adams County residents can choose PPO plans directly through Connect for Health Colorado, alongside HMO and EPO structures. These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, each offering different levels of cost-sharing. Bronze plans typically have the lowest premiums but highest out-of-pocket costs, while Platinum plans have the highest premiums but lowest out-of-pocket costs. Silver plans are particularly beneficial for those who qualify for Cost-Sharing Reductions (CSRs), which further lower deductibles, copayments, and maximum out-of-pocket limits.

Health First Colorado (Medicaid) and CHP+ Eligibility

Colorado has expanded its Medicaid program, known as Health First Colorado, meaning that adults in Adams County with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage at little to no cost. This expansion ensures that individuals who might otherwise fall into a coverage gap have access to essential healthcare services. For families, Colorado also offers Child Health Plan Plus (CHP+), which extends coverage to pregnant women and children. Pregnant women in Adams County can qualify for CHP+ with household incomes up to 195% FPL, receiving comprehensive prenatal, delivery, and postpartum care. Children in households with incomes up to 260% FPL are also eligible for CHP+ benefits. Applications for Health First Colorado and CHP+ can be submitted through Colorado PEAK, an online portal provided by the state (colorado.gov/PEAK).

Health Insurance Carriers in Adams County

Adams County is part of Colorado Rating Area 1, which also covers Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. In 2026, 6 carriers offer marketplace plans in Rating Area 1, providing Adams County residents with a robust selection of options. These carriers include:

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

When choosing a plan, it is important to review each carrier's network to ensure your preferred doctors and facilities are included. Each of these carriers offers a variety of plan types across different metal tiers to suit diverse healthcare needs and budgets.

Local Hospitals Serving Adams County Residents

Adams County, with a population of 530,225 and an uninsured rate of 11.6% per U.S. Census Bureau ACS 2024 5-year estimates, is served by a number of acute care and specialized hospitals. These facilities provide critical healthcare services to residents across the county. The hospitals in or near Adams County include:

Intermountain Health Platte Valley Hospital (Brighton)
University of Colorado Hospital Authority (Aurora)
HCA Healthone Mountain Ridge (Thornton)
Children's Hospital Colorado (Aurora)

These hospitals represent key healthcare providers for Adams County residents, offering a range of services from emergency care to specialized treatments. When selecting a health insurance plan, verifying that your preferred hospitals and healthcare providers are within the plan's network is a crucial step.

Making an Informed Decision About Your Health Plan

Choosing the right health insurance plan in Adams County depends on your specific financial situation, healthcare needs, and preferences.

If your income is at or below 138% FPL: You likely qualify for Health First Colorado (Medicaid). This program offers comprehensive coverage with minimal or no out-of-pocket costs.
If your income is between 138% and 400% FPL: You are likely eligible for significant premium tax credits and possibly Cost-Sharing Reductions (CSRs) if you choose a Silver plan. Enhanced Silver plans can offer excellent value by reducing your deductibles, copays, and maximum out-of-pocket expenses.
If your income is above 400% FPL: You can still purchase a plan through Connect for Health Colorado, but you will pay the full premium without federal subsidies. Comparing Bronze, Silver, and Gold plans based on your expected healthcare usage is important.

Consider your health needs, including prescription medications, anticipated doctor visits, and any chronic conditions. A licensed health insurance producer can help you compare plans, understand subsidy eligibility, and enroll in the best option for your circumstances, all at no cost to you.

Frequently Asked Questions

What health insurance plans are available in Adams County, Colorado?

In 2026, residents of Adams County can choose from 6 health insurance carriers offering plans through Connect for Health Colorado. Available plan types include Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) options.

What are the income limits for Medicaid (Health First Colorado) in Adams County?

Adults in Adams County may qualify for Health First Colorado (Colorado's Medicaid program) if their income is at or below 138% of the Federal Poverty Level (FPL). Pregnant women can qualify for coverage through Child Health Plan Plus (CHP+) with incomes up to 195% FPL, and children up to 260% FPL.

Can I get a PPO plan on the Colorado health insurance marketplace?

Yes, unlike some other states, Colorado offers PPO (Preferred Provider Organization) plans on its state-based marketplace, Connect for Health Colorado. Marketplace shoppers in Adams County have access to HMO, EPO, and PPO plan structures from various carriers.

What hospitals serve Adams County residents?

Adams County is served by several hospitals, including Intermountain Health Platte Valley Hospital in Brighton, University of Colorado Hospital Authority in Aurora, HCA Healthone Mountain Ridge in Thornton, and Children's Hospital Colorado in Aurora. These facilities provide a range of acute and specialized care.