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

HMO Colorado Health Insurance Plans in Burlington, CO

HMO Colorado is one of 6 health insurance carriers offering plans on the Connect for Health Colorado marketplace in Rating Area 9, which covers Burlington.
Colorado's marketplace includes HMO, EPO, and PPO plan types, with PPO options available from carriers like Denver Health Medical Plan and HMO Colorado.
Adults in Burlington with income up to 138% of the Federal Poverty Level may qualify for Health First Colorado (Medicaid), expanded in 2014.
Burlington, located in Kit Carson County, has a population of 3,152 and an uninsured rate of 12.3%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Burlington, Colorado, involves understanding your choices through Connect for Health Colorado, the state's official marketplace. For 2026, residents of Burlington and the broader Rating Area 9 can choose from a variety of plans, including those offered by HMO Colorado. Unlike some states, Colorado provides access to HMO, EPO, and PPO plan structures on the exchange, ensuring a broad selection. Financial assistance, such as premium tax credits and cost-sharing reductions, is available to eligible individuals and families, making coverage more affordable. Understanding these options, including specific carrier availability and subsidy rules, is key to securing appropriate health coverage in Burlington.

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What Health Insurance Options Are Available in Burlington, CO?

Burlington residents access health insurance primarily through Connect for Health Colorado, the state's marketplace. This exchange offers a range of Affordable Care Act (ACA) compliant plans across different metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect the actuarial value of the plans, with Bronze plans covering about 60% of costs and Platinum plans covering about 90%, on average. In Colorado, marketplace shoppers in Burlington can select from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are indeed available on-exchange in Colorado, offered by carriers such as Denver Health Medical Plan and HMO Colorado, among others. This provides greater flexibility for those who prefer out-of-network coverage options or do not wish to select a primary care provider to coordinate all care. For individuals and families with lower incomes, significant financial assistance is available. Premium tax credits can reduce monthly premiums, while cost-sharing reductions (CSRs) lower out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are exclusively tied to Silver-tier plans, making them a particularly strong value for eligible individuals.

Health First Colorado (Medicaid) and Child Health Plan Plus (CHP+) in Burlington

Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults in Burlington with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage at little to no cost. This expansion eliminates the "coverage gap" that exists in non-expansion states, ensuring that low-income individuals have a pathway to affordable healthcare. Beyond traditional Medicaid, Colorado also offers Child Health Plan Plus (CHP+). This program extends coverage to pregnant women with incomes up to 195% FPL, providing comprehensive prenatal, delivery, and postpartum care. Children in households with incomes up to 260% FPL can also qualify for CHP+. Applications for both Health First Colorado and CHP+ can be submitted through Colorado PEAK at colorado.gov/PEAK. These programs are vital resources for Burlington families needing affordable healthcare.

Health Insurance Carriers in Burlington

For 2026, 6 carriers offer marketplace plans in Rating Area 9, which covers Burlington and 28 other counties including 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, and Yuma counties. Residents of Burlington can choose from plans offered by these confirmed carriers:

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

HMO Colorado provides various plan options, including PPOs, to meet the diverse needs of individuals and families in the region. When selecting a plan, it is important to consider factors such as network size, specific providers covered, and the balance between premiums and out-of-pocket costs. Comparing the offerings from each of these carriers on Connect for Health Colorado will help ensure you find a plan that aligns with your healthcare needs and budget.

Understanding Healthcare Facilities Near Burlington

Burlington is located in Kit Carson County, which is a rural area with a population of 7,023. Per U.S. Census Bureau ACS 2024 5-year estimates, the median age in Kit Carson County is 39.5 years, and the uninsured rate is 12.0%. A key consideration for residents in this area is access to acute care. Kit Carson County has no acute care hospitals within its boundaries. Therefore, residents needing hospital services typically travel to neighboring counties for acute care. This makes understanding your health plan's network and out-of-area coverage particularly important when choosing a carrier like HMO Colorado. The city of Burlington itself has a population of 3,152, with a median income of $74,308 and an uninsured rate of 12.3%, per U.S. Census Bureau ACS 2024 5-year estimates. While local clinics and primary care providers are available, the absence of an acute care hospital in Kit Carson County means that residents must consider travel for more intensive medical needs.

Making the Right Health Plan Decision in Burlington

Choosing the right health insurance plan in Burlington requires careful consideration of your household income, healthcare needs, and preferred plan structure. If your household income is below 138% FPL, you should first check your eligibility for Health First Colorado (Medicaid) through Colorado PEAK. If your income is higher, you will likely qualify for subsidies on Connect for Health Colorado. Consider the following steps:

Estimate Your Income: Your projected household income for 2026 will determine your eligibility for premium tax credits and cost-sharing reductions.
Review Plan Types: Decide if an HMO, EPO, or PPO structure best fits your needs, considering the availability of PPO plans in Colorado.
Compare Metal Tiers: Balance monthly premiums with potential out-of-pocket costs. Bronze plans have lower premiums but higher out-of-pocket costs, while Gold and Platinum plans have higher premiums but lower out-of-pocket expenses. Silver plans are unique as they may offer cost-sharing reductions for eligible individuals.
Check Carrier Networks: Verify that your preferred doctors and any necessary facilities in neighboring counties are included in the network of your chosen carrier, such as HMO Colorado.

A licensed health insurance producer can provide free, unbiased assistance to help you compare plans from all available carriers, understand your subsidy eligibility, and enroll in a plan that meets your needs.

Frequently Asked Questions

Is HMO Colorado available in Burlington?

Yes, HMO Colorado is one of 6 carriers offering health insurance plans on the Connect for Health Colorado marketplace in Rating Area 9, which includes Burlington.

Can I get a PPO plan in Burlington?

Yes, unlike some states, Colorado's marketplace (Connect for Health Colorado) offers PPO plans in addition to HMO and EPO options. Carriers like Denver Health Medical Plan and HMO Colorado offer PPO plans in Rating Area 9.

What income qualifies for Medicaid in Colorado?

Colorado expanded Medicaid (Health First Colorado) in 2014. Adults with household income up to 138% of the Federal Poverty Level (FPL) typically qualify for Medicaid at little to no cost. Pregnant women may qualify up to 195% FPL and children up to 260% FPL through Child Health Plan Plus (CHP+).

Where do Burlington residents go for acute hospital care?

Kit Carson County, where Burlington is located, does not have any acute care hospitals within its boundaries. Residents needing acute care typically travel to neighboring counties within Rating Area 9 for hospital services.