Health Insurance in Broomfield, Colorado

Broomfield residents access health insurance through Connect for Health Colorado, the state-based marketplace.
In 2026, 6 carriers offer marketplace plans in Rating Area 1, which includes Broomfield County.
Both PPO, HMO, and EPO plan types are available on-exchange for Broomfield shoppers.
Adults in Colorado with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado (Medicaid).
Broomfield's uninsured rate stands at 4.4%, per U.S. Census Bureau ACS 2024 5-year estimates.

Broomfield, Colorado residents seeking health insurance have several options, primarily through Connect for Health Colorado, the state's official health insurance marketplace. This platform allows individuals and families to compare plans, apply for financial assistance like premium tax credits and cost-sharing reductions, and enroll in coverage tailored to their needs. Colorado has expanded Medicaid, known as Health First Colorado, providing low-cost or no-cost coverage for eligible adults and families. Understanding the marketplace, available plan types, and eligibility for assistance is key to finding suitable coverage in Broomfield.

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How Do Broomfield Residents Get Health Insurance?

For most Broomfield residents, the primary avenue for securing individual or family health insurance is through Connect for Health Colorado. As a state-based marketplace (SBM), Connect for Health Colorado provides a centralized platform to browse plans from various private insurance companies. When you apply through the marketplace, you can also determine your eligibility for financial assistance:

Premium Tax Credits: These subsidies reduce your monthly premium payments. Eligibility is based on household income relative to the Federal Poverty Level (FPL) and are available to individuals and families earning above 138% FPL.
Cost-Sharing Reductions (CSRs): Available only with Silver-tier plans, CSRs lower your out-of-pocket costs like deductibles, copayments, and coinsurance. You must meet specific income criteria to qualify for CSRs.
Health First Colorado (Medicaid): Colorado expanded its Medicaid program, Health First Colorado, in 2014. This means adults with household incomes up to 138% of the FPL may qualify for comprehensive health coverage at little to no cost. Pregnant women may qualify up to 195% FPL via Child Health Plan Plus (CHP+), and children up to 260% FPL through CHP+. You can apply for Health First Colorado and CHP+ through Colorado PEAK at colorado.gov/PEAK.

Enrollment through Connect for Health Colorado typically occurs during the annual Open Enrollment Period, but you may qualify for a Special Enrollment Period if you experience a qualifying life event such as losing other coverage, getting married, or having a baby.

Understanding Your Plan Options in Broomfield's Rating Area 1

Broomfield is located within Colorado Rating Area 1, which encompasses a significant portion of the Denver metropolitan area. This rating area also covers Adams, Arapahoe, Denver, Douglas, and Jefferson counties. The specific plans and their pricing are standardized across all residents within this rating area, though subsidies will vary based on individual income.

When shopping for plans on Connect for Health Colorado, Broomfield residents can choose from various plan types:

Health Maintenance Organization (HMO) Plans: These plans typically require you to choose a primary care provider (PCP) within the plan's network and get referrals from your PCP to see specialists. HMOs often have lower monthly premiums.
Exclusive Provider Organization (EPO) Plans: EPOs offer a network of doctors and hospitals, but generally do not require a PCP referral to see specialists. However, they typically do not cover out-of-network care except in emergencies.
Preferred Provider Organization (PPO) Plans: PPO plans are available on-exchange in Colorado and offer more flexibility. You usually don't need a referral to see a specialist, and you can often receive care from out-of-network providers, though at a higher cost.

The availability of PPO plans on-exchange in Colorado, offered by carriers like Denver Health Medical Plan and HMO Colorado, provides Broomfield residents with a broader range of choices compared to some other states where marketplace PPOs are not an option.

Health Insurance Carriers in Broomfield

For the 2026 plan year, Broomfield residents in Rating Area 1 have access to plans from 6 confirmed carriers through Connect for Health Colorado. These carriers offer a variety of options across different metal tiers (Bronze, Silver, Gold, and Platinum) to suit diverse healthcare needs and budgets.

The confirmed carriers offering marketplace plans in Rating Area 1 for 2026 are:

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

When comparing plans, it is important to review each carrier's specific network of doctors and hospitals, drug formularies, and customer service ratings, in addition to premiums and out-of-pocket costs.

Local Healthcare in Broomfield, Colorado

Broomfield County, with a population of 76,304 and an uninsured rate of 4.4% per U.S. Census Bureau ACS 2024 5-year estimates, is served by healthcare facilities within the broader Denver metro area. The primary acute care hospital located in Broomfield County is Centura Health-st Anthony North Health Campus, which provides a range of medical services to the community. While Centura Health-st Anthony North Health Campus is a key local provider, residents also benefit from access to numerous hospitals and specialist centers throughout Rating Area 1, including those in neighboring Adams, Arapahoe, Denver, Douglas, and Jefferson counties.

Making the Right Choice: Next Steps for Broomfield Residents

Navigating your health insurance options in Broomfield involves understanding your household income, health needs, and preferences for provider networks. Here’s a general guide:

If your income is at or below 138% FPL: You likely qualify for Health First Colorado (Medicaid). Apply through Colorado PEAK for comprehensive, low-cost coverage.
If your income is between 138% and 250% FPL: You may qualify for significant premium tax credits and cost-sharing reductions, making Silver plans particularly valuable due to their lower deductibles and copays.
If your income is above 250% FPL: You may still qualify for premium tax credits, especially if healthcare costs represent a large portion of your income. Compare Bronze, Silver, and Gold plans carefully, balancing monthly premiums with potential out-of-pocket expenses.

A licensed health insurance producer can provide personalized guidance, helping you compare plans, understand subsidy eligibility, and enroll in a plan that best fits your situation—at no additional cost to you.

Frequently Asked Questions

What is the health insurance marketplace in Broomfield, Colorado?

Broomfield residents access health insurance through Connect for Health Colorado, the state's official health insurance marketplace. This is where individuals and families can compare plans, apply for subsidies, and enroll in coverage.

Are PPO plans available on-exchange in Broomfield, Colorado?

Yes, PPO plans are available on-exchange through Connect for Health Colorado for Broomfield residents. Along with HMO and EPO plans, PPOs offer another option for marketplace shoppers, allowing for greater flexibility in choosing healthcare providers.

What is Health First Colorado, and who qualifies in Broomfield?

Health First Colorado is Colorado's Medicaid program. In Broomfield, adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost or no-cost health coverage. Colorado expanded Medicaid in 2014, making it accessible to more residents.