HMO Colorado Health Insurance Plans in Larimer County, CO
- In 2026, 6 health insurance carriers, including HMO Colorado, offer marketplace plans in Larimer County (Colorado Rating Area 3).
- Larimer County residents can choose from HMO, EPO, and PPO plan types on Connect for Health Colorado.
- Individuals and families with incomes between 100% and 400% FPL may qualify for significant subsidies to reduce monthly premiums.
- Health First Colorado (Medicaid) covers adults up to 138% FPL, pregnant women up to 195% FPL, and children up to 260% FPL.
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What Are HMO Colorado Plans and How Do They Work?
HMO Colorado primarily offers Health Maintenance Organization (HMO) plans. An HMO plan typically requires you to choose a primary care provider (PCP) within the plan's network. Your PCP then coordinates most of your care, including providing referrals if you need to see a specialist. This structure helps manage costs and ensures integrated care, but it also means that, generally, services received outside of the HMO Colorado network (without a referral) may not be covered, except in emergencies. HMO plans from HMO Colorado, like other HMOs, are often a good choice for individuals and families who prefer a coordinated care approach and are comfortable selecting providers from a defined network. While HMO Colorado focuses on HMO plans, the Connect for Health Colorado marketplace in Larimer County also offers EPO (Exclusive Provider Organization) and PPO (Preferred Provider Organization) plans from other carriers, providing a range of options to suit different preferences for network flexibility and referral requirements.Understanding Your Health Insurance Options in Larimer County
Residents of Larimer County, which constitutes Colorado Rating Area 3, have access to a variety of health insurance plans through Connect for Health Colorado. The marketplace offers plan types including HMOs, EPOs, and PPOs. 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 marketplace shoppers in Larimer County can choose from a full spectrum of plan structures, not just HMOs and EPOs. Plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share the cost of care:- Bronze plans: Offer lower monthly premiums but have higher deductibles and out-of-pocket maximums. They cover 60% of costs, leaving 40% for you.
- Silver plans: Provide a balance of moderate premiums and out-of-pocket costs, covering 70% of costs (30% for you). These are the only plans eligible for cost-sharing reductions (CSRs) if you qualify.
- Gold plans: Feature higher monthly premiums but lower deductibles and out-of-pocket maximums, covering 80% of costs (20% for you).
- Platinum plans: Have the highest premiums but the lowest out-of-pocket costs, covering 90% of costs (10% for you).
Financial Assistance: Subsidies and Medicaid in Colorado
Many Larimer County residents qualify for financial assistance to make health insurance more affordable. This assistance comes in two main forms: premium tax credits and cost-sharing reductions, both available through Connect for Health Colorado, and Medicaid (Health First Colorado).Premium Tax Credits (Subsidies)
Premium tax credits can significantly lower your monthly health insurance premiums. Eligibility for these credits is based on your household income relative to the Federal Poverty Level (FPL).- If your household income is between 100% and 400% FPL, you may qualify for premium tax credits.
- For example, an individual in Larimer County earning up to approximately $58,320 (400% FPL for 2024 income, which impacts 2025/2026 eligibility) could receive assistance.
- These credits can be applied directly to your premium each month, reducing the amount you pay out-of-pocket.
Cost-Sharing Reductions (CSRs)
Cost-sharing reductions help lower your out-of-pocket costs like deductibles, copayments, and coinsurance.- CSRs are available if your income is up to 250% FPL, but you must enroll in a Silver-tier plan to receive them.
- These reductions effectively make your Silver plan function more like a Gold or Platinum plan in terms of out-of-pocket expenses, without increasing your premium.
Health First Colorado (Colorado Medicaid)
Colorado expanded Medicaid in 2014, branded as Health First Colorado, which provides comprehensive health coverage at little to no cost for eligible residents.- Adults: Individuals and families with household incomes up to 138% FPL may qualify for Health First Colorado. This is approximately $20,120 for an individual or $41,400 for a family of four (based on 2024 FPL figures).
- Pregnant Women: Colorado's Child Health Plan Plus (CHP+) covers pregnant women with incomes up to 195% FPL, offering comprehensive prenatal, delivery, and postpartum care. Women at or below 138% FPL qualify for full Medicaid first.
- Children: CHP+ also covers children in households with incomes up to 260% FPL.
Health Insurance Carriers in Larimer County
For the 2026 plan year, residents of Larimer County (Colorado Rating Area 3) have a robust selection of health insurance carriers offering plans through Connect for Health Colorado. In 2026, 6 carriers offer marketplace plans in Rating Area 3. These carriers include:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Making Your Health Plan Decision in Larimer County
Choosing the right health insurance plan, especially from a specific carrier like HMO Colorado, requires careful consideration of your budget, health needs, and preferred providers.| Your Household Income | Recommended Action / Plan Type | Key Benefit |
|---|---|---|
| Below 138% FPL | Apply for Health First Colorado (Medicaid) | Low-cost or no-cost comprehensive coverage |
| 138% - 250% FPL | Enroll in a Silver plan with Cost-Sharing Reductions (CSRs) | Significant premium subsidies & lower out-of-pocket costs |
| 251% - 400% FPL | Enroll in any metal-tier plan with Premium Tax Credits | Reduced monthly premiums, choice of Bronze, Silver, Gold, Platinum |
| Above 400% FPL | Explore all marketplace plans, potentially off-exchange options | Access to plans, but no federal subsidies |
Frequently Asked Questions
What types of plans does HMO Colorado offer in Larimer County?
HMO Colorado primarily offers Health Maintenance Organization (HMO) plans, which typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists. These plans are available through Connect for Health Colorado in Larimer County.
Can I get a subsidy for an HMO Colorado plan in Larimer County?
Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to lower your monthly payments for plans purchased through Connect for Health Colorado, including those from HMO Colorado. Cost-sharing reductions are also available for those with incomes up to 250% FPL who choose Silver plans.
How many health insurance carriers are available in Larimer County?
For the 2026 plan year, residents of Larimer County (Colorado Rating Area 3) can choose from 6 health insurance carriers offering plans through Connect for Health Colorado. These include HMO Colorado, Cigna, Denver Health Medical Plan, Kaiser Permanente, Select Health, and United Healthcare.
What is Health First Colorado?
Health First Colorado is 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 (FPL). This program provides low-cost or no-cost health coverage for eligible residents.