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

Finding Affordable Health Insurance in Frisco, Colorado

Frisco residents can choose from 6 health insurance carriers offering marketplace plans in Rating Area 7 for 2026.
Connect for Health Colorado offers subsidies that can significantly reduce premiums for individuals earning up to 400% FPL, and potentially more.
Colorado's Health First Colorado (Medicaid) covers adults up to 138% FPL, and pregnant women up to 195% FPL via CHP+.
Marketplace plans in Frisco include HMO, EPO, and PPO options, allowing for diverse network choices.

Navigating health insurance options in Frisco, Colorado, involves understanding the state's unique marketplace, Connect for Health Colorado. This guide helps Frisco residents explore available plans, financial assistance, and local healthcare resources to find coverage that fits their needs and budget. Whether you're seeking individual, family, or short-term coverage, knowing your options for 2026 is the first step toward securing essential health benefits. Colorado has expanded Medicaid, meaning more residents may qualify for low-cost or no-cost coverage.

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What Health Insurance Options Are Available in Frisco, Colorado?

For residents of Frisco, the primary avenue for individual and family health insurance is Connect for Health Colorado, the state's official health insurance marketplace. Through this exchange, you can compare a variety of plans and determine your eligibility for financial assistance. Connect for Health Colorado offers three main types of plans:

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 for specialist visits.
Exclusive Provider Organization (EPO) Plans: EPO plans offer a network of doctors and hospitals, but generally do not require a PCP referral for specialists. They typically do not cover out-of-network care except in emergencies.
Preferred Provider Organization (PPO) Plans: Unlike some states, PPO plans ARE available on-exchange in Colorado. These plans usually offer more flexibility, allowing you to see out-of-network providers for a higher cost, and typically do not require referrals for specialists.

Plans are categorized by metal tiers—Bronze, Silver, Gold, and Platinum—indicating the level of cost-sharing between you and your insurer. Bronze plans have the lowest premiums but highest out-of-pocket costs, while Platinum plans have the highest premiums but lowest out-of-pocket costs. Catastrophic plans are also available for individuals under 30 or those with a hardship exemption.

Understanding Subsidies and Financial Assistance in Frisco

Many Frisco residents qualify for financial assistance, known as subsidies, to help make health insurance more affordable. These subsidies are available exclusively through Connect for Health Colorado. There are two main types of subsidies:

Premium Tax Credits (APTCs): These reduce your monthly premium payment. Eligibility is primarily based on your household income relative to the Federal Poverty Level (FPL). Under current rules, individuals and families earning up to 400% FPL, and even higher in some cases, can qualify for significant premium assistance.
Cost-Sharing Reductions (CSRs): These reduce your out-of-pocket costs, such as deductibles, co-pays, and co-insurance. CSRs are only available with Silver-tier plans for individuals and families with incomes between 100% and 250% FPL.

To illustrate potential eligibility, here are estimated Federal Poverty Level (FPL) guidelines for 2026 (based on 2024 figures, subject to change):

Household Size	100% FPL (Approx.)	138% FPL (Approx.)	250% FPL (Approx.)	400% FPL (Approx.)
1	$15,060	$20,783	$37,650	$60,240
2	$20,440	$28,207	$51,100	$81,760
3	$25,820	$35,632	$64,550	$103,280
4	$31,200	$43,056	$78,000	$124,800

Note: These FPL figures are estimates based on 2024 guidelines and are updated annually. Your exact eligibility will be determined by Connect for Health Colorado based on your current income and household size.

Health First Colorado (Medicaid) and CHP+ in Summit County

Colorado has expanded its Medicaid program, known as Health First Colorado, making it accessible to more residents. Adults in Frisco and throughout Summit County with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive health coverage at little to no cost. In addition to Health First Colorado, the state offers the Child Health Plan Plus (CHP+) program. CHP+ provides coverage for:

Pregnant Women: With household incomes up to 195% FPL, offering comprehensive prenatal, delivery, and postpartum care. Women at or below 138% FPL will first qualify for Health First Colorado.
Children: In households with incomes up to 260% FPL.

Residents can apply for Health First Colorado and CHP+ through Colorado PEAK, the state's online application portal, at colorado.gov/PEAK. Unlike states that have not expanded Medicaid, Colorado residents within the 100-138% FPL range are eligible for Medicaid, not a coverage gap.

Health Insurance Carriers in Frisco

Frisco, a town in Summit County with a population of 2,825, is part of Colorado Rating Area 7, which also covers Eagle, Grand, Jackson, and Routt counties. Despite its small size, Frisco faces a relatively high uninsured rate of 13.5%, exceeding Summit County's 10.2% and highlighting the importance of accessible health coverage options through Connect for Health Colorado. In 2026, 6 carriers offer marketplace plans in Rating Area 7, serving Frisco residents through Connect for Health Colorado. These confirmed carriers provide a range of plan types, including HMO, EPO, and PPO options:

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

When selecting a plan, it is vital to verify that your preferred doctors and any necessary medical facilities are included in the carrier's network for your specific plan.

Local Healthcare Providers in Frisco and Summit County

Access to local healthcare is a significant consideration when choosing a health insurance plan. Summit County is served by one acute care hospital: St Anthony Summit Medical Center, located directly in Frisco. This facility provides essential medical services to residents of Frisco and the surrounding areas. When evaluating plans, always confirm that your chosen health insurance carrier has a network that includes St Anthony Summit Medical Center and any other local providers or specialists you wish to retain. Network compatibility is crucial for seamless access to care and to minimize out-of-pocket expenses.

Making the Right Health Plan Decision in Frisco

Choosing the best health insurance plan in Frisco requires careful consideration of several factors:

Your Income: This determines your eligibility for premium tax credits and cost-sharing reductions, or for Health First Colorado.
Your Health Needs: If you anticipate frequent doctor visits, specific medications, or upcoming medical procedures, a plan with lower out-of-pocket costs (like a Gold or Silver plan with CSRs) might be more cost-effective despite higher premiums.
Your Preferred Providers: Ensure that your doctors, specialists, and local hospitals like St Anthony Summit Medical Center are in the plan's network.
Your Budget: Balance monthly premiums with potential out-of-pocket expenses (deductibles, co-pays, co-insurance) to find a plan that is financially sustainable.

A licensed health insurance producer specializing in Colorado plans can provide personalized guidance, help you compare options, and navigate the application process for Connect for Health Colorado or Health First Colorado, all at no cost to you.

Frequently Asked Questions

What types of health insurance plans are available in Frisco, Colorado?

In Frisco, you can find a variety of health insurance plan types through Connect for Health Colorado, including 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.

How much does health insurance cost in Frisco, Colorado?

The cost of health insurance in Frisco varies significantly based on factors like your age, income, chosen plan tier (Bronze, Silver, Gold), and whether you qualify for subsidies. Many Frisco residents are eligible for premium tax credits through Connect for Health Colorado, which can substantially lower monthly premiums. It's essential to get a personalized quote to understand your exact costs.

Can pregnant women or children get Medicaid in Frisco, Colorado?

Yes, Colorado has expanded Medicaid. Pregnant women in Frisco may qualify for Health First Colorado (Medicaid) if their household income is up to 138% of the Federal Poverty Level (FPL), or for Child Health Plan Plus (CHP+) if their income is up to 195% FPL. Children in households with income up to 260% FPL can qualify for CHP+ coverage. Applications are processed through Colorado PEAK (colorado.gov/PEAK).

Is St Anthony Summit Medical Center in Frisco covered by marketplace plans?

St Anthony Summit Medical Center, the primary acute care hospital in Frisco, is likely to be in-network with many of the health insurance carriers offering plans through Connect for Health Colorado in Rating Area 7. However, it is crucial to verify that any specific plan you consider includes St Anthony Summit Medical Center and your preferred doctors in its network before enrolling.