HMO Colorado Health Insurance Plans in Aurora, Colorado

HMO Colorado offers marketplace health plans in Aurora, Colorado, as one of 6 carriers serving Rating Area 1 in 2026.
Aurora residents can choose from HMO, EPO, and PPO plans on Connect for Health Colorado, with PPOs available on-exchange.
Individuals and families with income between 100% and 400% FPL may qualify for subsidies to reduce premiums for HMO Colorado plans.
Colorado expanded Medicaid (Health First Colorado) in 2014, covering adults with income up to 138% FPL.
Aurora's population is 394,432, with an uninsured rate of 13.7% per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Aurora, Colorado, involves understanding the specific plans available from carriers like HMO Colorado and how they fit into the state's marketplace. As an Aurora resident, you have access to a variety of health plans through Connect for Health Colorado, the state's official health insurance exchange. HMO Colorado is among the confirmed carriers offering plans in your area for 2026, providing options that can be made more affordable through federal subsidies. This guide will help you understand your choices, eligibility for financial assistance, and how to enroll in a plan that meets your needs.

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What Are Your Health Insurance Options in Aurora with HMO Colorado?

For 2026, Aurora residents can explore a range of health insurance plans, including those from HMO Colorado, through Connect for Health Colorado. The state's marketplace offers Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans, meaning you have flexibility in choosing a plan structure that suits your preferences for network access and referrals. HMO Colorado typically specializes in HMO plans, which emphasize coordinated care through a primary care provider (PCP) within a defined network. HMO plans generally require you to select a PCP who then refers you to specialists within the plan's network. This structure can lead to lower out-of-pocket costs and a more integrated approach to your healthcare. However, if you prefer more flexibility to see specialists without referrals or out-of-network providers (at a higher cost), you might also consider EPO or PPO plans available from other carriers on the exchange. Aurora, located in Arapahoe County, is part of Colorado Rating Area 1, which also covers Adams, Broomfield, Denver, Douglas, and Jefferson counties. This multi-county rating area ensures a competitive marketplace with multiple carriers. The city of Aurora has a population of 394,432, with an uninsured rate of 13.7%, per U.S. Census Bureau ACS 2024 5-year estimates, highlighting the importance of accessible health coverage options.

Who Offers Health Insurance in Aurora's Rating Area 1?

For the 2026 plan year, 6 carriers offer marketplace plans in Rating Area 1, which includes Aurora, Colorado. These carriers provide a range of plan types across different metal tiers (Bronze, Silver, Gold, Platinum). HMO Colorado is an active participant in this competitive market. The confirmed carriers for Aurora and the broader Rating Area 1 include:

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

When selecting a plan, it's essential to compare not only premiums but also deductibles, copayments, coinsurance, and the specific provider networks for each carrier. While HMO Colorado is a strong option, examining all available plans will help you find the best fit for your healthcare needs and budget.

Understanding Financial Assistance and Medicaid in Colorado

Many Aurora residents qualify for financial assistance to make health insurance more affordable. These subsidies are available through Connect for Health Colorado and can significantly reduce your monthly premiums and out-of-pocket costs.

Advance Premium Tax Credits (APTCs)

If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may be eligible for APTCs. These credits are paid directly to your insurance company, lowering your monthly premium. The exact amount of your subsidy depends on your income, household size, and the cost of the benchmark Silver plan in your area.

Cost-Sharing Reductions (CSRs)

For those with incomes up to 250% FPL, additional Cost-Sharing Reductions (CSRs) are available. CSRs reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance. To receive CSRs, you must enroll in a Silver-tier plan. These plans become significantly more valuable for eligible individuals, often offering better benefits than a Gold plan at a lower effective cost.

Health First Colorado (Medicaid)

Colorado expanded Medicaid in 2014, under the program name Health First Colorado. Adults with income up to 138% of the FPL qualify for comprehensive health coverage at little to no cost. If your income falls within this range, you should apply for Health First Colorado rather than a marketplace plan, as it offers robust benefits without premiums or significant out-of-pocket expenses. Colorado's Child Health Plan Plus (CHP+) also provides coverage for pregnant women with income up to 195% FPL and children in households up to 260% FPL. Pregnant women at or below 138% FPL qualify for full Health First Colorado first. Applications for these programs can be submitted through Colorado PEAK (colorado.gov/PEAK).

How to Choose the Right HMO Colorado Plan in Aurora

Choosing the right health plan, whether from HMO Colorado or another carrier, involves considering several factors:

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

Budget: Determine how much you can comfortably afford for monthly premiums and potential out-of-pocket costs. Bronze plans have lower premiums but higher deductibles, while Gold plans have higher premiums but lower out-of-pocket costs.
Network: Check if your preferred doctors, specialists, and hospitals are in HMO Colorado's network or the network of any other plan you consider. In Arapahoe County, major hospitals include The Medical Center of Aurora & South Hospital and Hca-healthone DBA Swedish Medical Center in Englewood, among others. Confirming network participation is crucial for coordinated care.
Prescriptions: Review the plan's formulary to ensure your necessary medications are covered and understand their cost-sharing structure.
Health Needs: If you anticipate frequent doctor visits, specialist care, or specific medical procedures, a plan with lower deductibles and copayments (like a Silver or Gold plan) might be more cost-effective in the long run, even with higher premiums.
Subsidies: If you qualify for APTCs or CSRs, factor these into your decision. A Silver plan can be particularly beneficial if you are eligible for CSRs.

Arapahoe County, where Aurora is located, serves a population of 659,844 with a median income of $101,087. The county's uninsured rate is 9.3%, lower than Aurora's city-specific rate of 13.7%, per U.S. Census Bureau ACS 2024 5-year estimates. This suggests that while coverage is prevalent, specific areas like Aurora still have a significant need for accessible health insurance information and options.

Frequently Asked Questions

What types of health plans does HMO Colorado offer in Aurora?

HMO Colorado primarily offers Health Maintenance Organization (HMO) plans, which typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists. In Colorado's individual marketplace, HMO, EPO, and PPO plans are available, including options from HMO Colorado and other carriers.

Can I get a subsidy for HMO Colorado plans in Aurora?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums. Additional Cost-Sharing Reductions (CSRs) are available for those with incomes up to 250% FPL who choose Silver plans. These subsidies can be applied to eligible plans offered by HMO Colorado through Connect for Health Colorado.

What is the uninsured rate in Aurora, Colorado?

According to U.S. Census Bureau ACS 2024 5-year estimates, Aurora has an uninsured rate of 13.7%. This figure is higher than the average for Arapahoe County, which stands at 9.3%, indicating a significant portion of the city's population may benefit from exploring health insurance options through Connect for Health Colorado or Health First Colorado (Medicaid).

How do I enroll in an HMO Colorado plan in Aurora?

You can enroll in an HMO Colorado plan through Connect for Health Colorado during the annual Open Enrollment Period or if you qualify for a Special Enrollment Period due to a qualifying life event (e.g., losing other coverage, getting married, having a baby). You can apply directly through the Connect for Health Colorado website or work with a licensed health insurance producer who can assist you for free.

What hospitals are in HMO Colorado's network in Arapahoe County?

Specific network participation varies by plan, but Arapahoe County is home to facilities like The Medical Center of Aurora & South Hospital (Aurora), Hca-healthone DBA Swedish Medical Center (Englewood), and Adventhealth Littleton (Littleton). When considering an HMO Colorado plan, it is crucial to verify that your preferred hospitals and providers are included in its specific network for 2026.