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

Finding Affordable Health Insurance in Burlington, Colorado

Burlington residents can access marketplace plans through Connect for Health Colorado, which includes HMO, EPO, and PPO options.
In 2026, 6 carriers offer marketplace plans in Colorado Rating Area 9, serving Burlington and 28 other counties.
Adults in Burlington with incomes up to 138% of the Federal Poverty Level may qualify for Health First Colorado (Medicaid).
Burlington's uninsured rate is 12.3%, slightly higher than Kit Carson County's 12.0%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Burlington, Colorado, involves understanding both state and local resources to find coverage that fits your budget and healthcare needs. Most Burlington residents seeking individual or family health insurance will find their primary options through Connect for Health Colorado, the state's official health insurance marketplace. Here, you can compare plans from multiple private carriers and potentially qualify for financial assistance, such as Premium Tax Credits and Cost-Sharing Reductions, to lower your monthly premiums and out-of-pocket costs. For those with lower incomes, Colorado's expanded Medicaid program, known as Health First Colorado, provides comprehensive health coverage at little to no cost.

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What Health Insurance Options Are Available in Burlington, Colorado?

Burlington residents have several pathways to securing health insurance, ranging from the state marketplace to government-sponsored programs and direct-to-carrier options. Understanding each avenue is key to making an informed decision about your coverage.

Connect for Health Colorado: Your State Marketplace

Connect for Health Colorado is the official health insurance marketplace for Colorado residents. This is where individuals and families can shop for private health plans and access financial assistance.

Plan Types: In Burlington, you can choose from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are available on-exchange in Colorado, offering more flexibility in choosing providers, often without a referral requirement for specialists.
Financial Assistance: Eligibility for Premium Tax Credits (subsidies that lower your monthly premium) and Cost-Sharing Reductions (discounts on deductibles, copayments, and coinsurance) is determined based on your household income and size. These subsidies can significantly reduce the cost of coverage, especially for those with incomes between 100% and 400% of the Federal Poverty Level (FPL).
Enrollment Periods: The primary time to enroll or change plans is during the annual Open Enrollment Period, typically in the fall. Outside of this period, you may qualify for a Special Enrollment Period if you experience a Qualifying Life Event, such as losing other coverage, getting married, having a baby, or moving to a new rating area.

Health First Colorado (Medicaid) and CHP+

Colorado has expanded its Medicaid program, known as Health First Colorado, making it accessible to more residents with limited incomes.

Adults: Adults in Burlington with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado. This program provides comprehensive health benefits with minimal or no out-of-pocket costs.
Pregnant Women: Colorado's Child Health Plan Plus (CHP+) covers pregnant women with income up to 195% FPL, offering extensive prenatal, delivery, and postpartum care. Women at or below 138% FPL will first qualify for full Health First Colorado benefits.
Children: CHP+ also extends coverage to children in households with incomes up to 260% FPL.
Application: You can apply for Health First Colorado and CHP+ through Colorado PEAK at colorado.gov/PEAK.

Off-Marketplace Plans

You also have the option to purchase health insurance directly from a private carrier outside of Connect for Health Colorado. While these plans offer the same benefits as marketplace plans, they do not qualify for Premium Tax Credits or Cost-Sharing Reductions. Off-marketplace plans might be suitable for individuals who do not qualify for subsidies or prefer to deal directly with an insurer.

Understanding Health Insurance Costs in Burlington

The cost of health insurance in Burlington, Colorado, is influenced by several factors, including your age, household size, tobacco use, the specific plan you choose (metal tier), and your income, which determines subsidy eligibility.

Factors Affecting Your Premium

Age: Older individuals generally pay higher premiums.
Location: Burlington is part of Colorado Rating Area 9, which affects base rates.
Plan Category (Metal Tier): Plans are categorized into Bronze, Silver, Gold, and Platinum tiers. Bronze plans have the lowest premiums but highest out-of-pocket costs, while Gold and Platinum plans have higher premiums but lower out-of-pocket costs. Silver plans are unique because only they are eligible for Cost-Sharing Reductions.
Tobacco Use: Insurers can charge higher premiums for tobacco users.
Household Size and Income: These determine your eligibility for Premium Tax Credits and Cost-Sharing Reductions, which can significantly lower your actual costs.

For instance, a Bronze plan might have a monthly premium around $300-$500 before subsidies, but could have a deductible of $7,000 or more. A Silver plan might range from $400-$700 monthly, with deductibles around $4,000-$6,000. Gold plans, with lower deductibles and out-of-pocket maximums, would have higher premiums, often starting from $500-$800 per month. These figures are illustrative and can vary widely based on the specific plan and your eligibility for financial assistance.

Health Insurance Carriers in Burlington

Residents of Burlington, Colorado, benefit from a competitive health insurance market. In 2026, 6 carriers offer marketplace plans in Colorado Rating Area 9, ensuring a range of choices for consumers. The confirmed carriers offering plans in Rating Area 9, which includes Burlington, 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 offerings, including their provider networks and covered benefits, to ensure they align with your healthcare preferences and needs.

Navigating Healthcare in Kit Carson County

Burlington, a city in Kit Carson County, is part of Colorado 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. With a population of 3,152 and an uninsured rate of 12.3% per U.S. Census Bureau ACS 2024 5-year estimates, residents of Burlington navigate a unique healthcare landscape. Kit Carson County has no acute care hospitals within its boundaries, meaning residents needing acute care typically travel to neighboring counties for services. The county's population is 7,023 with a median age of 39.5 years, and a poverty rate of 9.8%, indicating a community with diverse healthcare needs and access considerations.

How to Choose the Best Plan for Your Needs in Burlington

Selecting the right health insurance plan in Burlington requires careful consideration of your health needs, financial situation, and preferred doctors or hospitals.

Evaluate Your Healthcare Needs

Consider how often you anticipate needing medical care.

If you rarely visit the doctor and want lower monthly premiums, a Bronze plan might be suitable, but be prepared for higher costs if unexpected health issues arise.
If you have chronic conditions, take regular prescription medications, or anticipate frequent doctor visits, a Gold or Platinum plan with lower deductibles and out-of-pocket maximums might save you money in the long run, despite higher monthly premiums.
Silver plans are a good middle-ground and are the only plans eligible for Cost-Sharing Reductions if your income qualifies, providing additional savings on your out-of-pocket costs.

Check Provider Networks

Before enrolling, confirm that your preferred doctors, specialists, and any facilities you use are "in-network" for the plans you are considering. This is especially important for HMO and EPO plans, which have more restricted networks. Since Kit Carson County has no acute care hospitals, understanding which neighboring facilities are covered by your chosen plan is critical.

Utilize Financial Assistance

If your income falls within the eligibility guidelines, make sure to apply for Premium Tax Credits and Cost-Sharing Reductions through Connect for Health Colorado. These subsidies can make even comprehensive plans surprisingly affordable.

Consider Professional Guidance

A licensed health insurance producer can provide personalized assistance at no extra cost. They can help you:

Understand complex plan details and compare options from various carriers.
Verify your eligibility for subsidies and government programs like Health First Colorado.
Ensure your preferred doctors and hospitals are in-network.
Guide you through the enrollment process.

Frequently Asked Questions

What health insurance options are available in Burlington, Colorado?

Residents of Burlington can access health insurance through Connect for Health Colorado, the state's official marketplace, where they may qualify for subsidies. Other options include Medicaid (Health First Colorado) for eligible individuals and families, and off-marketplace plans directly from carriers.

Can I get PPO plans on Connect for Health Colorado in Burlington?

Yes, PPO plans are available on-exchange through Connect for Health Colorado in Burlington. In addition to PPO plans, you can also choose from Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, allowing for a range of network and cost structures.

What is Health First Colorado?

Health First Colorado is the name for Colorado's Medicaid program. It provides low-cost or free health coverage to eligible adults, children, pregnant women, and people with disabilities. Colorado expanded Medicaid in 2014, making it available to adults with incomes up to 138% of the Federal Poverty Level.

What is Colorado Rating Area 9?

Colorado Rating Area 9 is the geographic area that determines the base cost of health insurance plans for residents of Burlington and 28 other counties in Colorado. Insurance companies set their premiums based on the rating area, ensuring that everyone in that area pays the same base rate for the same plan, before individual factors like age or tobacco use are applied.

How do I apply for health insurance in Burlington, Colorado?

You can apply for marketplace plans through Connect for Health Colorado, the state's official health insurance exchange. For Health First Colorado (Medicaid) or Child Health Plan Plus (CHP+), you can apply through Colorado PEAK at colorado.gov/PEAK. A licensed health insurance producer can assist you with the application process for marketplace plans at no cost.