HMO Colorado Health Insurance Plans in Frisco, Colorado

HMO Colorado is one of 6 carriers offering health insurance plans on Connect for Health Colorado in Frisco for 2026.
Frisco residents can choose from HMO, EPO, and PPO plans on the marketplace, with PPO options available on-exchange in Colorado.
Adults in Colorado with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado (Medicaid).
The uninsured rate in Frisco is 13.5%, according to U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Frisco, Colorado, involves understanding your choices through Connect for Health Colorado, the state's official health insurance marketplace. HMO Colorado is a prominent carrier offering plans in Rating Area 7, which includes Frisco and the surrounding Summit County. Whether you are seeking individual coverage, family plans, or exploring options after a life change, the marketplace provides access to various plan types, including HMO, EPO, and PPO plans, with potential financial assistance to make coverage more affordable. Understanding your income, health needs, and preferred providers will help you select the most suitable plan for your circumstances in Frisco.

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What Health Insurance Options Are Available in Frisco, Colorado?

Residents of Frisco and Summit County have several pathways to securing health insurance coverage. The primary avenue for individual and family plans is Connect for Health Colorado, the state-based marketplace. Through Connect for Health Colorado, you can compare plans from multiple carriers, including HMO Colorado, and determine your eligibility for financial subsidies. Colorado's marketplace offers a comprehensive selection of plan types:

HMO (Health Maintenance Organization): These plans typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists. HMO Colorado, as its name suggests, primarily offers this type of plan.
EPO (Exclusive Provider Organization): EPO plans offer a network of doctors and hospitals, but generally do not require a PCP referral for specialist visits within the network.
PPO (Preferred Provider Organization): Unlike some other states, PPO plans ARE available on-exchange in Colorado. PPOs offer greater flexibility, allowing you to see out-of-network providers, though often at a higher cost. Carriers like Denver Health Medical Plan and HMO Colorado offer PPO options in Rating Area 7.

All plans available on Connect for Health Colorado must cover the ten essential health benefits, including prescription drugs, mental health services, and maternity care.

Understanding Financial Assistance and Medicaid in Colorado

Affordability is a key concern for many seeking health insurance. Connect for Health Colorado offers financial assistance in the form of premium tax credits and cost-sharing reductions. These subsidies are based on your household income relative to the Federal Poverty Level (FPL). For residents with lower incomes, Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. Adults with household incomes up to 138% of the Federal Poverty Level may qualify for Health First Colorado at little to no cost. For example, an individual earning approximately $20,783 or less in 2026 could be eligible for this comprehensive coverage. Colorado also provides support for pregnant women and children:

Pregnant Women Medicaid: Colorado's Child Health Plan Plus (CHP+) covers pregnant women with incomes up to 195% FPL, providing comprehensive prenatal, delivery, and postpartum care. Women at or below 138% FPL qualify for full Health First Colorado first.
CHIP for Children: CHP+ also covers children in households up to 260% FPL, ensuring access to essential healthcare services.

You can apply for Health First Colorado and CHP+ through Colorado PEAK (colorado.gov/PEAK).

Health Insurance Carriers in Frisco

For the 2026 plan year, residents of Frisco, Colorado, which is part of Colorado Rating Area 7, have access to a robust selection of health insurance carriers on Connect for Health Colorado. In 2026, 6 carriers offer marketplace plans in Rating Area 7, which covers Eagle, Grand, Jackson, Routt, and Summit counties. These carriers include:

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

Each carrier offers a range of plans across different metal tiers (Bronze, Silver, Gold, Platinum), allowing individuals and families to choose coverage that best fits their budget and healthcare needs. HMO Colorado, as a key local provider, focuses on coordinated care within its network, which can be a cost-effective option for many Frisco residents. Summit County, home to Frisco, has a population of 31,017 with an uninsured rate of 10.2%, according to U.S. Census Bureau ACS 2024 5-year estimates. The city of Frisco itself has a population of 2,825 and an uninsured rate of 13.5%, reflecting the diverse needs for health coverage in the area. St Anthony Summit Medical Center in Frisco serves as the primary acute care hospital for the region, providing essential services to local residents.

Choosing the Right Plan in Frisco

Selecting the best health insurance plan in Frisco depends on several factors, including your income, health status, and preferred doctors.

If your income is below 138% FPL: You may qualify for Health First Colorado (Medicaid). This program offers comprehensive coverage at very low or no cost.
If your income is between 100% and 250% FPL: You are likely eligible for significant premium tax credits and potentially cost-sharing reductions, especially with Silver plans. Enhanced Silver plans offer lower deductibles, copayments, and out-of-pocket maximums.
If your income is above 250% FPL: You may still qualify for premium tax credits, depending on your household size and the cost of benchmark plans. Comparing Bronze, Silver, and Gold plans will be crucial to balance monthly premiums with potential out-of-pocket costs.

Consider your anticipated healthcare usage. If you expect frequent doctor visits or have ongoing prescriptions, a Gold or higher Silver plan with lower out-of-pocket costs might be more economical in the long run, despite higher monthly premiums. If you are generally healthy and prefer lower premiums, a Bronze or Catastrophic plan (if eligible) could be suitable, but be aware of higher deductibles. Working with a licensed health insurance producer can simplify the process of comparing plans from HMO Colorado and other carriers, helping you understand network specifics, benefits, and subsidy eligibility. Their services are typically free to you.

Frequently Asked Questions

Can I get an HMO Colorado plan through Connect for Health Colorado in Frisco?

Yes, HMO Colorado is one of 6 confirmed carriers offering health insurance plans on the Connect for Health Colorado marketplace in Rating Area 7, which includes Frisco and Summit County, for the 2026 plan year.

What types of plans are available on Connect for Health Colorado in Frisco?

In Frisco, you can choose from HMO, EPO, and PPO health insurance plans on the state'based marketplace, Connect for Health Colorado. PPO plans are available on-exchange in Colorado, offering more flexibility in provider choice.

What is the income limit for Medicaid in Colorado?

Colorado expanded Medicaid (Health First Colorado) in 2014. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Medicaid at little to no cost. For 2026, this means an individual making approximately $20,783 or less could be eligible.

How do I apply for health insurance subsidies in Frisco?

Financial assistance, including premium tax credits and cost-sharing reductions, is available through Connect for Health Colorado. Eligibility is based on your household income relative to the Federal Poverty Level. You can apply directly through the Connect for Health Colorado website or with the help of a licensed insurance producer.