HMO Colorado Health Insurance Plans in Broomfield, Colorado
- HMO Colorado is one of 6 carriers offering health plans on Connect for Health Colorado in Broomfield's Rating Area 1 for 2026.
- Broomfield residents can choose from HMO, EPO, and PPO plans, with PPOs confirmed to be available on-exchange in Colorado.
- Individuals and families with incomes between 100% and 400% FPL may qualify for significant subsidies to reduce monthly premiums.
- Broomfield has a low uninsured rate of 4.4%, per U.S. Census Bureau ACS 2024 5-year estimates.
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What Kind of Health Insurance Plans Does HMO Colorado Offer in Broomfield?
HMO Colorado participates in Connect for Health Colorado, offering a range of plan types to Broomfield residents. Unlike some states where PPO plans are not available on-exchange, Colorado's marketplace offers a choice of Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. This means you have flexibility in how you access care. HMO Plans: Typically require you to choose a primary care provider (PCP) within the network and get referrals for specialists. They often have lower monthly premiums. EPO Plans: Offer a network of providers, but generally do not require a PCP referral for specialists. Out-of-network care is usually not covered, except in emergencies. PPO Plans: Provide the most flexibility, allowing you to see any provider without a referral, both in and out of network. Out-of-network care is covered at a higher cost. HMO Colorado is among the carriers offering PPO plans in Rating Area 1. All plans offered by HMO Colorado through the marketplace are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate the percentage of healthcare costs the plan covers versus what you pay out-of-pocket. Bronze plans have the lowest premiums but the highest out-of-pocket costs, covering about 60% of costs. Silver plans cover about 70% of costs, offering a balance between premiums and out-of-pocket expenses. They are also the only plans eligible for cost-sharing reductions (CSRs), which lower deductibles, copayments, and out-of-pocket maximums for eligible individuals. Gold plans cover about 80% of costs, with higher premiums but lower out-of-pocket expenses when you receive care. Platinum plans cover about 90% of costs, featuring the highest premiums but the lowest out-of-pocket costs.Understanding HMO Colorado's Network in Broomfield
When considering an HMO Colorado plan, it's crucial to understand the specific network of doctors, hospitals, and other healthcare providers available in Broomfield. HMO plans, by their nature, emphasize in-network care, meaning you'll need to use providers within HMO Colorado's established network to receive coverage for non-emergency services. Broomfield County, which serves a population of 76,304 with a median income of $123,874, is part of Colorado Rating Area 1. This rating area also covers Adams, Arapahoe, Denver, Douglas, and Jefferson counties. The primary hospital serving Broomfield County residents is Centura Health-st Anthony North Health Campus, located in Westminster. When choosing an HMO Colorado plan, verify that your preferred doctors and any specialists you regularly see are part of their network, and that local facilities like Centura Health-st Anthony North Health Campus are included. This ensures seamless access to care close to home.Who Qualifies for Subsidies on Connect for Health Colorado?
Many Broomfield residents qualify for financial assistance to make their health insurance premiums more affordable. These subsidies, known as Advanced Premium Tax Credits (APTCs), are available through Connect for Health Colorado for individuals and families whose household income falls between 100% and 400% of the Federal Poverty Level (FPL). For 2026, a single person with an income up to approximately $60,000, or a family of four with an income up to approximately $120,000, could qualify for these tax credits. In addition to premium tax credits, individuals with incomes up to 250% FPL may also qualify for Cost-Sharing Reductions (CSRs). CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance, making Silver plans particularly valuable for eligible individuals. To receive CSRs, you must enroll in a Silver-tier plan.Medicaid and CHP+ Options in Colorado
For Broomfield residents with lower incomes, Colorado offers robust Medicaid and Child Health Plan Plus (CHP+) programs. Colorado expanded Medicaid in 2014, known as Health First Colorado. This means 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 a single individual, this threshold is approximately $20,783 per year. Colorado's CHP+ program also provides critical support: Pregnant Women: CHP+ covers pregnant women with income up to 195% FPL, offering comprehensive prenatal, delivery, and postpartum care. Women at or below 138% FPL will qualify for Health First Colorado first. Children: CHP+ covers children in households with incomes up to 260% FPL. You can apply for both Health First Colorado and CHP+ through Colorado PEAK (colorado.gov/PEAK). Given Broomfield's poverty rate of 6.2% per U.S. Census Bureau ACS 2024 5-year estimates, these programs are vital resources for many families.Health Insurance Carriers in Broomfield
For 2026, 6 carriers offer marketplace plans in Rating Area 1, which serves Broomfield. Residents have a choice of plans from these providers through Connect for Health Colorado:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Making Your Health Insurance Decision in Broomfield
Choosing the right health insurance plan in Broomfield involves evaluating your healthcare needs, budget, and eligibility for financial assistance. Here’s a general guide:- If your income is below 138% FPL: You likely qualify for Health First Colorado (Medicaid). Apply directly through Colorado PEAK.
- If your income is 100%–400% FPL: You are eligible for premium tax credits (subsidies) to lower your monthly premiums. Consider a Silver plan to also maximize potential cost-sharing reductions if your income is below 250% FPL.
- If your income is above 400% FPL: You will pay the full premium, but can still enroll in an ACA-compliant plan through Connect for Health Colorado or directly with a carrier.
Frequently Asked Questions
Does HMO Colorado offer PPO plans in Broomfield?
Yes, HMO Colorado is one of several carriers offering PPO plans on Connect for Health Colorado in Rating Area 1, which includes Broomfield. Unlike some other states, Colorado's marketplace includes PPO options in addition to HMO and EPO plans.
Can I get a subsidy for an HMO Colorado plan in Broomfield?
Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits (subsidies) to lower your monthly costs for an HMO Colorado plan or other marketplace plans. Cost-sharing reductions are also available for those with incomes up to 250% FPL.
What is the uninsured rate in Broomfield, Colorado?
Broomfield, Colorado, has an uninsured rate of 4.4%, which is significantly lower than the national average. This figure is per U.S. Census Bureau ACS 2024 5-year estimates.
What is Connect for Health Colorado?
Connect for Health Colorado is the state-based health insurance marketplace where individuals and families in Broomfield can shop for and enroll in ACA-compliant health plans, including those from HMO Colorado. It's also where eligible residents can apply for financial assistance like premium tax credits and cost-sharing reductions.