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

HMO Colorado Health Insurance Plans in Clear Creek County, CO

HMO Colorado is one of 6 health insurance carriers offering plans in Clear Creek County's Rating Area 9 for 2026.
Colorado residents in Clear Creek County can choose from HMO, EPO, and PPO plans on Connect for Health Colorado.
Adults with income up to 138% FPL may qualify for Health First Colorado (Medicaid); pregnant women up to 195% FPL.
Clear Creek County's uninsured rate is 5.7%, significantly lower than the state average, among its 9,262 residents.

Navigating health insurance options in Clear Creek County, Colorado, involves understanding local carriers, plan types, and financial assistance. For 2026, residents have access to plans from HMO Colorado, alongside five other carriers, through Connect for Health Colorado, the state's official health insurance marketplace. These plans include HMO, EPO, and PPO options, ensuring a range of choices to fit different needs and budgets. Depending on your household income, you may qualify for significant subsidies that reduce your monthly premiums and out-of-pocket costs, making comprehensive coverage more affordable.

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What Health Insurance Options Are Available in Clear Creek County?

Residents of Clear Creek County can find a variety of health insurance plans on Connect for Health Colorado, the state's health insurance marketplace. These plans are designed to meet the requirements of the Affordable Care Act (ACA), ensuring essential health benefits are covered. For the 2026 plan year, shoppers in Clear Creek County, which is part of Colorado Rating Area 9, can select from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Unlike some states, Colorado allows PPO plans to be offered on-exchange, providing greater flexibility in provider choice. The marketplace offers plans categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share costs:

Bronze plans: These plans have the lowest monthly premiums but the highest out-of-pocket costs, covering about 60% of medical expenses on average. They are best suited for those who anticipate minimal healthcare needs or want protection against catastrophic costs.
Silver plans: Offering a balance between premiums and out-of-pocket costs, Silver plans cover about 70% of medical expenses. Crucially, if you qualify for Cost-Sharing Reductions (CSRs) based on your income, Silver plans provide enhanced benefits like lower deductibles and copayments.
Gold plans: With higher monthly premiums, Gold plans cover about 80% of medical expenses, resulting in lower out-of-pocket costs when you receive care. They are a good choice for those who expect to use medical services frequently.
Platinum plans: These plans have the highest monthly premiums but cover approximately 90% of medical expenses, leading to the lowest out-of-pocket costs. They are ideal for individuals with significant ongoing healthcare needs.

Clear Creek County's population of 9,262, with a median age of 49.1 years, can benefit from these diverse plan structures, especially given the county's lack of acute care hospitals, necessitating travel to neighboring counties for services.

Understanding Financial Assistance and Medicaid in Colorado

Affordability is a key factor in choosing health insurance, and Colorado offers several programs to help make coverage more accessible. Financial assistance is primarily available through premium tax credits and Cost-Sharing Reductions (CSRs) via Connect for Health Colorado.

Premium Tax Credits (Subsidies)

Premium tax credits reduce your monthly health insurance premiums. Eligibility for these subsidies is based on your household income relative to the Federal Poverty Level (FPL). In Colorado, individuals and families with incomes between 100% and 400% FPL may qualify. The amount of your subsidy depends on your income, household size, and the cost of the second-lowest-cost Silver plan in your rating area.

Cost-Sharing Reductions (CSRs)

CSRs help lower the amount you have to pay out-of-pocket when you receive medical care, such as deductibles, copayments, and coinsurance. You must enroll in a Silver-tier plan to receive CSRs, and eligibility is tied to income levels below 250% FPL. For example, if your income is between 100% and 150% FPL, a Silver plan might cover 94% of your costs; between 150% and 200% FPL, it covers 87%; and between 200% and 250% FPL, it covers 73%. These reductions significantly enhance the value of Silver plans.

Health First Colorado (Medicaid) and CHP+

Colorado expanded its Medicaid program 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 in 2026, this threshold is approximately $20,782 annually, though exact figures are updated yearly by the federal government. Unlike states that have not expanded Medicaid, Colorado does not have a "coverage gap" for adults. Additionally, Colorado's Child Health Plan Plus (CHP+) provides coverage for pregnant women and children:

Pregnant Women: Coverage for pregnant women extends up to 195% FPL, providing comprehensive prenatal, delivery, and postpartum care. Women at or below 138% FPL qualify for Health First Colorado first, with the 195% FPL threshold serving as the ceiling for the CHP+ pregnancy category.
Children: CHP+ also covers children in households up to 260% FPL.

Applications for Health First Colorado and CHP+ can be made through Colorado PEAK (colorado.gov/PEAK). Clear Creek County's poverty rate is 6.4%, and its uninsured rate is 5.7% per U.S. Census Bureau ACS 2024 5-year estimates, indicating that many residents could benefit from these programs.

Health Insurance Carriers in Clear Creek County

For the 2026 plan year, residents of Clear Creek County have a choice of 6 health insurance carriers offering plans through Connect for Health Colorado. These carriers provide a range of HMO, EPO, and PPO plan structures across different metal tiers. The confirmed local carriers available in Clear Creek County's Rating Area 9 are:

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

HMO Colorado, a prominent carrier in the state, offers various health maintenance organization plans that typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists. Denver Health Medical Plan and HMO Colorado are among those offering PPO plans in Colorado, which generally allow more flexibility in choosing providers without referrals, though out-of-network care may come at a higher cost. When selecting a plan, it is important to review the specific network of each carrier to ensure your preferred doctors and facilities are included, especially since Clear Creek County has no acute care hospitals and residents must travel for such services.

Making the Right Health Plan Decision in Clear Creek County

Choosing the best health insurance plan depends on your unique circumstances, including your income, health needs, and preferred providers. Here’s a guide to help you decide:

Health Plan Decision Guide for Clear Creek County, CO
Your Situation	Recommended Action	Key Benefits
Income below 138% FPL (adults)	Apply for Health First Colorado (Medicaid)	Little to no cost, comprehensive coverage, includes essential health benefits.
Income below 195% FPL (pregnant women)	Apply for Health First Colorado or CHP+	Comprehensive prenatal, delivery, and postpartum care at low or no cost.
Income below 260% FPL (children)	Apply for Health First Colorado or CHP+	Comprehensive coverage for children at low or no cost.
Income 100%–250% FPL	Choose a Silver plan on Connect for Health Colorado	Eligible for both premium tax credits and valuable Cost-Sharing Reductions (CSRs), significantly lowering out-of-pocket costs.
Income above 250% FPL, up to 400% FPL	Compare Bronze, Silver, and Gold plans with premium tax credits	Premium tax credits make marketplace plans more affordable; compare deductibles and copays across metal tiers.
High expected medical costs / frequent doctor visits	Consider Gold or Platinum plans	Higher premiums but lower deductibles and out-of-pocket costs, better for predictable high usage.
Low expected medical costs / emergency coverage focus	Consider Bronze plans	Lower premiums, higher deductibles; good for catastrophic coverage.
Need provider flexibility / no referrals	Look for PPO plans (e.g., from HMO Colorado or Denver Health Medical Plan)	PPO plans typically offer broader networks and do not require referrals for specialists.

Clear Creek County, 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, offers a robust marketplace. The median income in Clear Creek County is $94,577 per U.S. Census Bureau ACS 2024 5-year estimates, suggesting many residents may qualify for subsidies. A licensed health insurance agent can help you assess your eligibility for financial assistance, compare plans from HMO Colorado and other carriers, and enroll in coverage at no cost to you.

Frequently Asked Questions

Can I get HMO Colorado plans in Clear Creek County?

Yes, HMO Colorado is one of 6 carriers offering health insurance plans in Clear Creek County's Rating Area 9 for the 2026 plan year. You can explore their plans, along with options from Cigna, Denver Health Medical Plan, Kaiser Permanente, Select Health, and United Healthcare, through Connect for Health Colorado, the state's official marketplace.

What types of health plans are available in Clear Creek County?

Residents of Clear Creek County can choose from HMO, EPO, and PPO health insurance plans on the Connect for Health Colorado marketplace. PPO plans are available on-exchange in Colorado, offered by carriers like Denver Health Medical Plan and HMO Colorado, among others.

What is the income limit for Medicaid in Colorado?

In Colorado, adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado (Medicaid), providing comprehensive health coverage at little to no cost. For pregnant women, the income threshold for Medicaid or CHP+ coverage extends up to 195% FPL, and for children, CHP+ covers those in households up to 260% FPL.

Does Clear Creek County have local hospitals?

Clear Creek County does not have any acute care hospitals within its boundaries. Residents needing hospital services typically travel to neighboring counties for acute care. It is important to confirm network coverage for any plan you choose, especially if you anticipate needing care outside the county.