HMO Colorado Health Insurance Plans in Craig, CO

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

HMO Colorado is one of 6 carriers offering marketplace plans in Craig's Rating Area 6 for 2026.
Craig residents can choose from HMO, EPO, and PPO plans on Connect for Health Colorado.
Colorado's Medicaid program, Health First Colorado, covers adults up to 138% of the Federal Poverty Level.
The uninsured rate in Craig is 8.0%, slightly lower than Moffat County's rate of 9.7%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Craig, Colorado, can seem complex, but understanding your choices, especially with carriers like HMO Colorado, is straightforward. For 2026, residents of Craig can access a variety of health plans through Connect for Health Colorado, the state's official health insurance marketplace. These plans include Health Maintenance Organizations (HMOs), Exclusive Provider Organizations (EPOs), and Preferred Provider Organizations (PPOs), giving you flexibility in how you access care. Many individuals and families in Craig qualify for financial assistance, known as subsidies, which can significantly reduce the cost of monthly premiums and out-of-pocket expenses.

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What Health Plans Are Available in Craig, Colorado?

In Craig, Colorado, and the broader Rating Area 6, residents have access to a robust selection of health insurance plans through Connect for Health Colorado. Unlike some states, Colorado's marketplace offers a full range of plan types, including HMOs, EPOs, and PPOs. This means you can find a plan that balances cost with your preferred level of network flexibility. HMO Colorado, as its name suggests, primarily offers HMO plans, which typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists. However, other carriers provide EPOs and PPOs, offering different structures for accessing care.

Craig, with a population of 8,991, is part of Moffat County, which has no acute care hospitals within its boundaries. Residents needing acute care typically travel to neighboring counties in Rating Area 6, which covers Delta, Garfield, Mesa, Moffat, Pitkin, and Rio Blanco counties. The city's median income is $72,636, and its uninsured rate stands at 8.0%, according to U.S. Census Bureau ACS 2024 5-year estimates.

Understanding Subsidies and Financial Assistance in Colorado

Many individuals and families in Craig qualify for financial assistance to make health insurance more affordable. These subsidies are available through Connect for Health Colorado and are based on your household income and family size.

Federal Poverty Level (FPL)	Assistance Type	Benefit
Up to 138% FPL	Health First Colorado (Medicaid)	Comprehensive health coverage at little to no cost.
138% - 250% FPL	Premium Tax Credits (PTC) & Cost-Sharing Reductions (CSR)	Significant reduction in monthly premiums and out-of-pocket costs (deductibles, copays, coinsurance) on Silver plans.
250% - 400% FPL	Premium Tax Credits (PTC)	Reduction in monthly premiums.
Above 400% FPL	Premium Tax Credits (PTC)	Eligibility for tax credits with no income cap, ensuring no household pays more than 8.5% of their income for a benchmark Silver plan.

To see if you qualify for these subsidies, you'll need to apply through Connect for Health Colorado. The marketplace will compare your estimated annual income to the Federal Poverty Level (FPL) guidelines to determine your eligibility.

Health First Colorado and CHP+ Programs

Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive health coverage at very low or no cost. If your income falls within this range, you should apply for Health First Colorado through Colorado PEAK (colorado.gov/PEAK). For pregnant women, Colorado's Child Health Plan Plus (CHP+) covers those with household incomes up to 195% FPL, providing extensive prenatal, delivery, and postpartum care. Women at or below 138% FPL will first qualify for full Health First Colorado benefits. CHP+ also extends coverage to children in households with incomes up to 260% FPL. These programs are vital resources for many families in Craig, providing essential healthcare services.

Health Insurance Carriers in Craig

For the 2026 plan year, residents of Craig and Rating Area 6 have a choice of several health insurance carriers offering plans through Connect for Health Colorado. It is important to compare plans from different carriers to find one that best fits your healthcare needs and budget. In 2026, 6 carriers offer marketplace plans in Rating Area 6:

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

Each of these carriers offers a range of plans at different metal levels (Bronze, Silver, Gold, Platinum), with varying deductibles, copays, and out-of-pocket maximums. HMO Colorado, specifically, is a prominent provider of HMO plans, which are designed to offer coordinated care through a network of primary care physicians and specialists.

Choosing the Right Health Plan in Craig

Selecting the right health insurance plan involves considering several factors specific to your situation:

Your Healthcare Needs: If you visit the doctor frequently or have chronic conditions, a Gold or Platinum plan with lower out-of-pocket costs might be more suitable, even if premiums are higher. If you are generally healthy and primarily want coverage for emergencies, a Bronze or Silver plan might suffice.
Network Preferences: Consider whether your preferred doctors or hospitals are in-network. HMO Colorado plans, as HMOs, will have a specific network of providers. PPO plans typically offer more flexibility to see out-of-network providers, though often at a higher cost.
Budget: Evaluate your ability to pay monthly premiums versus potential out-of-pocket costs. Subsidies can significantly impact your net premium, especially for Silver plans that offer Cost-Sharing Reductions.
Prescription Medications: Check the formulary (list of covered drugs) for any plans you are considering to ensure your necessary medications are covered.

If your household income is below 138% FPL, apply for Health First Colorado. If your income is between 138% and 250% FPL, you will likely benefit from Enhanced Silver plans, which offer significant premium tax credits and cost-sharing reductions. For those with higher incomes, premium tax credits are still available, ensuring that health insurance remains affordable. A licensed health insurance agent can help you compare plans from HMO Colorado and other carriers, understand your subsidy eligibility, and guide you through the enrollment process at no cost to you.

Frequently Asked Questions

Can I get HMO Colorado plans on Connect for Health Colorado?

Yes, HMO Colorado is one of six carriers offering plans on Connect for Health Colorado in Rating Area 6 for the 2026 plan year. You can enroll in their plans through the state-based marketplace and may qualify for subsidies to lower your monthly premiums and out-of-pocket costs.

What types of health plans are available in Craig, Colorado?

In Craig and across Colorado, you can choose from HMO, EPO, and PPO health plans on the Connect for Health Colorado marketplace. PPO plans are available on-exchange, giving you more flexibility in provider choice compared to HMOs or EPOs.

What is Health First Colorado?

Health First Colorado is the name for Colorado's Medicaid program. Colorado expanded Medicaid in 2014, making it available to adults with household incomes up to 138% of the Federal Poverty Level. This provides comprehensive health coverage at little to no cost for eligible residents in Craig.