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

HMO Colorado Health Insurance Plans in Evans, CO

HMO Colorado is one of 6 carriers offering marketplace plans in Evans, Colorado's Rating Area 4 for 2026.
Evans residents with incomes up to 400% FPL may qualify for premium tax credits through Connect for Health Colorado.
Colorado expanded Medicaid (Health First Colorado) in 2014, covering adults up to 138% FPL and pregnant women up to 195% FPL.
On-exchange plans in Evans include HMO, EPO, and PPO structures, giving consumers a range of network and cost options.

Navigating your health insurance options in Evans, Colorado, especially when considering specific carriers like HMO Colorado, involves understanding local availability, plan types, and potential financial assistance. For 2026, HMO Colorado is a prominent provider on Connect for Health Colorado, the state's official health insurance marketplace. As an Evans resident, you have access to a variety of plans, including HMO, EPO, and PPO options, ensuring you can find coverage that aligns with your healthcare needs and budget. Many individuals and families in Evans qualify for significant subsidies to reduce their monthly premiums and out-of-pocket costs.

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What Health Insurance Plans Does HMO Colorado Offer in Evans?

HMO Colorado primarily offers Health Maintenance Organization (HMO) plans, which are known for their focus on coordinated care through a primary care provider (PCP) and a defined network of doctors and hospitals. These plans often feature lower monthly premiums compared to PPO plans, making them an attractive option for budget-conscious consumers. In Evans, within Colorado Rating Area 4, you can find HMO Colorado plans on Connect for Health Colorado. While HMO Colorado specializes in HMO plans, the marketplace in Colorado offers a broader selection including Exclusive Provider Organization (EPO) and Preferred Provider Organization (PPO) plans from other carriers. PPO plans are indeed available on-exchange in Colorado, offered by carriers such as Denver Health Medical Plan and HMO Colorado, among others. This means Evans marketplace shoppers can choose the plan structure that best fits their preference for network flexibility and cost.

Understanding Your Eligibility and Financial Assistance in Evans

Many Evans residents can significantly reduce their health insurance costs through financial assistance available via Connect for Health Colorado. Eligibility for these subsidies is based on your household income relative to the Federal Poverty Level (FPL).

Household Income (as % FPL)	Potential Assistance	Description
Below 138% FPL	Health First Colorado (Medicaid)	Adults may qualify for comprehensive, low-cost or no-cost coverage. Colorado expanded Medicaid in 2014.
100% - 400% FPL	Premium Tax Credits (APTCs)	Reduces your monthly premium amount, paid directly to your insurer.
100% - 250% FPL	Cost-Sharing Reductions (CSRs)	Lowers your out-of-pocket costs like deductibles, copayments, and coinsurance when you choose a Silver plan.
Over 400% FPL	No Subsidies (Full Price)	You pay the full premium, but can still enroll in marketplace plans.

For example, an individual in Evans with an income of $29,160 (200% FPL for 2024) would likely qualify for both significant premium tax credits and cost-sharing reductions, making a Silver plan particularly valuable. The median income in Evans is $75,563 per U.S. Census Bureau ACS 2024 5-year estimates, indicating that many households will fall within the subsidy-eligible ranges.

Health Insurance Carriers in Evans

Evans is located in Colorado Rating Area 4, a single-county rating area covering Weld County. In 2026, 6 carriers offer marketplace plans in Rating Area 4, providing a competitive selection for residents. These carriers include:

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

When selecting a plan, it's crucial to compare not only premiums but also network coverage, deductibles, copayments, and the types of plans offered by each carrier. For instance, while HMO Colorado focuses on HMO plans, other carriers may offer EPO or PPO options with different levels of network flexibility.

Local Healthcare Resources in Weld County

Weld County, where Evans is located, is served by several key healthcare facilities. Residents seeking acute care have access to hospitals such as Banner North Colorado Medical Center in Greeley and Uchealth Greeley Hospital, also in Greeley. These facilities provide a range of services from emergency care to specialized treatments. When enrolling in an HMO Colorado plan, it's important to confirm that your preferred local doctors and these major hospitals are part of the plan's network to ensure your services are covered. Evans, Colorado, with a population of 22,396 and an uninsured rate of 11.6% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Colorado Rating Area 4. This single-county rating area ensures consistent plan pricing across Weld County's 350,396 residents, which has a county-wide uninsured rate of 8.0%.

Making Your Health Plan Decision in Evans

Choosing the right health insurance plan, whether it's an HMO Colorado plan or an option from another carrier, requires careful consideration of your specific needs and financial situation.

If your income is below 138% FPL: You may qualify for Health First Colorado (Medicaid). This program offers comprehensive health benefits with little to no cost. Pregnant women in Colorado may qualify for Child Health Plan Plus (CHP+) up to 195% FPL, or Health First Colorado if their income is below 138% FPL.
If your income is between 100% and 250% FPL: Consider a Silver plan. With cost-sharing reductions, Silver plans offer enhanced benefits, significantly lower deductibles, and reduced out-of-pocket maximums, making them the best value for many.
If your income is between 250% and 400% FPL: You will likely qualify for substantial premium tax credits. Compare Bronze, Silver, and Gold plans to find the balance between monthly premium and out-of-pocket costs that suits you.
If your income is above 400% FPL: You will pay the full premium, but can still enroll in high-quality plans through Connect for Health Colorado. Focus on the network, deductibles, and coinsurance that best fit your expected healthcare usage.

A licensed health insurance producer can provide personalized guidance, helping you compare HMO Colorado plans with other options available in Evans, verify network coverage for your preferred providers, and ensure you receive all eligible financial assistance. Their services are free to you.

Frequently Asked Questions

What types of health insurance plans are available in Evans, CO?

In Evans, part of Colorado Rating Area 4, you can choose from various plan types on Connect for Health Colorado, including HMO, EPO, and PPO plans. HMO Colorado, for example, specializes in HMO plans, which often feature lower premiums and require you to select a primary care provider (PCP) within their network.

Can I get financial assistance for HMO Colorado plans in Evans?

Yes, many Evans residents qualify for subsidies (premium tax credits and cost-sharing reductions) through Connect for Health Colorado. Eligibility is based on household income relative to the Federal Poverty Level (FPL). Individuals earning between 100% and 400% FPL may qualify for premium tax credits, and those between 100% and 250% FPL may also get cost-sharing reductions on Silver plans.

What is Health First Colorado, and who qualifies in Evans?

Health First Colorado is the state's Medicaid program. Colorado expanded Medicaid in 2014, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost or no-cost health coverage. Pregnant women may qualify up to 195% FPL via Child Health Plan Plus (CHP+).

Are there local hospitals in Weld County that accept HMO Colorado plans?

Weld County is home to major acute care facilities like Banner North Colorado Medical Center and Uchealth Greeley Hospital. When choosing an HMO Colorado plan, it's essential to verify that your preferred doctors and hospitals, including these local facilities, are within the plan's specific network to ensure covered services.