Health Insurance in Broomfield County, Colorado
- Broomfield County residents can access health insurance through Connect for Health Colorado, the state's official marketplace.
- In 2026, 6 carriers offer marketplace health plans in Colorado Rating Area 1, which includes Broomfield County.
- Colorado's Health First Colorado (Medicaid) covers adults with incomes up to 138% of the Federal Poverty Level (FPL).
- Child Health Plan Plus (CHP+) covers pregnant women up to 195% FPL and children up to 260% FPL.
- The uninsured rate in Broomfield County is 4.4%, according to U.S. Census Bureau ACS 2024 estimates.
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What Types of Health Insurance Plans Are Available in Broomfield County?
In Broomfield County, you can find comprehensive health insurance coverage through Connect for Health Colorado. The marketplace offers plans categorized by "metal tiers" (Bronze, Silver, Gold, and Platinum), which indicate how costs are split between you and your insurance company. Bronze plans typically have lower monthly premiums but higher deductibles and out-of-pocket costs, while Gold and Platinum plans have higher premiums but lower out-of-pocket expenses when you need care.
Colorado's marketplace provides a strong selection of plan structures, including:
- HMO (Health Maintenance Organization): These plans generally require you to choose a primary care provider (PCP) within the plan's network and get referrals for specialists.
- EPO (Exclusive Provider Organization): EPO plans offer a network of doctors and hospitals, but usually don't require referrals for specialists. Out-of-network care is generally not covered, except in emergencies.
- PPO (Preferred Provider Organization): PPO plans offer more flexibility. You typically don't need a referral to see a specialist, and you can see out-of-network providers for a higher cost. PPO plans ARE available on-exchange in Colorado, offering greater choice for Broomfield County residents.
Choosing the right plan involves balancing monthly premiums with potential out-of-pocket costs and your preferred access to doctors and hospitals. Many Broomfield County residents qualify for financial assistance to help reduce these costs.
Understanding Financial Assistance and Health First Colorado in Broomfield County
Affordable Care Act (ACA) subsidies can significantly lower the cost of health insurance for eligible individuals and families in Broomfield County. These subsidies, known as Advance Premium Tax Credits (APTCs), reduce your monthly premium. Additionally, some individuals may qualify for Cost-Sharing Reductions (CSRs), which lower your deductibles, copayments, and out-of-pocket maximums. Eligibility for these subsidies is based on your household income and family size.
Colorado has expanded Medicaid, offering robust coverage under the program known as Health First Colorado. This means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage at little to no cost. For example, in 2026, an individual earning up to approximately $20,120 per year or a family of three earning up to about $34,307 per year could be eligible.
For pregnant women and children, Colorado offers additional support through Child Health Plan Plus (CHP+). Pregnant women with incomes up to 195% FPL can receive comprehensive prenatal, delivery, and postpartum care. Children in households with incomes up to 260% FPL may also qualify for CHP+. Applications for Health First Colorado and CHP+ can be submitted through Colorado PEAK (colorado.gov/PEAK).
Health Insurance Carriers in Broomfield County
Residents of Broomfield County, home to 76,304 people with an uninsured rate of 4.4% (per U.S. Census Bureau ACS 2024 estimates), access their health insurance options primarily through Connect for Health Colorado. The county is part of Colorado Rating Area 1, which also covers Adams, Arapahoe, Denver, Douglas, and Jefferson counties. Local healthcare is anchored by facilities such as Centura Health-St. Anthony North Health Campus in Westminster.
In 2026, 6 carriers offer marketplace plans in Rating Area 1, providing a competitive selection for Broomfield County residents. These confirmed local carriers include:
- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Each carrier offers a range of plans across the metal tiers, with varying networks and benefits. It is important to compare the specifics of each plan, including deductibles, copayments, and prescription drug coverage, to find the best fit for your healthcare needs and budget.
Choosing the Right Plan: Your Next Steps in Broomfield County
Deciding on the best health insurance plan in Broomfield County depends on your unique financial situation, healthcare needs, and preferences. Here's a guide to help you navigate your options:
| Your Household Income | Recommended Action for Health Coverage |
|---|---|
| Below 138% FPL | Apply for Health First Colorado (Medicaid) through Colorado PEAK. You may qualify for free or very low-cost comprehensive coverage. |
| 138% - 250% FPL | Explore Silver plans on Connect for Health Colorado. You're likely eligible for significant premium subsidies (APTCs) and Cost-Sharing Reductions (CSRs), making Silver plans very affordable with lower out-of-pocket costs. |
| 250% - 400% FPL | You will likely qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums on Connect for Health Colorado. Compare Bronze, Silver, and Gold plans to find the best balance of premium and deductible. |
| Above 400% FPL | While you may not qualify for federal subsidies, you can still find comprehensive plans on Connect for Health Colorado. Consider Bronze or Silver plans for lower premiums, or Gold/Platinum if you anticipate frequent medical care. |
A licensed health insurance producer can provide personalized, free assistance to help you understand your options, compare plans from different carriers, and enroll in coverage. They can clarify subsidy eligibility and guide you through the application process for either marketplace plans or Health First Colorado.
Frequently Asked Questions
How do I apply for health insurance in Broomfield County?
Broomfield County residents can apply for health insurance through Connect for Health Colorado, the state's official marketplace. You can also work with a licensed health insurance producer for free assistance, or check eligibility for Health First Colorado (Medicaid) via Colorado PEAK (colorado.gov/PEAK).
What are the income limits for Health First Colorado (Medicaid) in Broomfield County?
In Colorado, adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado (Medicaid). Pregnant women can qualify for Medicaid or Child Health Plan Plus (CHP+) with incomes up to 195% FPL, and children up to 260% FPL through CHP+.
Are PPO plans available on Connect for Health Colorado in Broomfield County?
Yes, PPO (Preferred Provider Organization) plans are available on-exchange through Connect for Health Colorado in Broomfield County. Marketplace shoppers can choose from HMO, EPO, and PPO plan structures, with options from carriers like Denver Health Medical Plan and HMO Colorado, among others.
What hospitals serve Broomfield County residents?
Broomfield County residents have access to acute care facilities, including Centura Health-St. Anthony North Health Campus located in Westminster. Many health plans available in the county will include this and other regional hospitals in their networks.