HMO Colorado Health Insurance in Phillips County, CO

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

In 2026, Phillips County residents can choose from 6 health insurance carriers offering plans through Connect for Health Colorado.
HMO Colorado is one of the 6 confirmed carriers providing marketplace coverage in Phillips County's Rating Area 9.
Colorado expanded Medicaid in 2014, allowing adults with incomes up to 138% of the Federal Poverty Level to qualify for Health First Colorado.
Phillips County, with a population of 4,496, has an uninsured rate of 6.8%, lower than the state average.

Navigating health insurance options in Phillips County, Colorado, involves understanding plans available through Connect for Health Colorado, the state's official marketplace. For 2026, Phillips County residents have access to plans from six different carriers, including HMO Colorado. Whether you're seeking individual, family, or small business coverage, you can find a range of options, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Financial assistance in the form of premium tax credits and cost-sharing reductions is available for those who qualify, making coverage more affordable.

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What Health Insurance Plans Are Available in Phillips County?

Residents of Phillips County can access a variety of health insurance plan types through Connect for Health Colorado. Unlike some states, Colorado's marketplace offers a broad selection that includes HMO, EPO, and PPO plans. These structures differ in how they manage your network of doctors and specialists:

Health Maintenance Organization (HMO) Plans: These plans typically require you to choose a primary care provider (PCP) within the plan's network and obtain referrals from your PCP to see specialists. HMOs often have lower monthly premiums and out-of-pocket costs compared to other plan types. HMO Colorado, as its name suggests, primarily offers HMO-structured plans.
Exclusive Provider Organization (EPO) Plans: EPO plans offer a network of doctors and hospitals you must use, similar to an HMO, but generally do not require referrals for specialists. You typically won't have coverage for out-of-network care, except in emergencies.
Preferred Provider Organization (PPO) Plans: PPO plans provide more flexibility, allowing you to see any doctor or specialist, even without a referral. You'll pay less if you use providers within the plan's network, but you still have coverage for out-of-network services at a higher cost. PPO plans are available on-exchange in Colorado, offered by carriers like Denver Health Medical Plan and HMO Colorado, among others.

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

Health Insurance Carriers in Phillips County

Phillips County is 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. In 2026, 6 carriers offer marketplace plans in Rating Area 9, providing residents with multiple options to choose from. These confirmed carriers include:

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

When selecting a plan, it is crucial to verify that your preferred doctors, specialists, and hospitals are within the network of the plan you choose. While Phillips County has no acute care hospitals within its boundaries, residents often travel to neighboring counties for hospital services.

Understanding Costs and Financial Assistance in Phillips County

The cost of health insurance in Phillips County varies based on the plan's metal tier (Bronze, Silver, Gold, Platinum), your age, tobacco use, and whether you qualify for financial assistance. The Affordable Care Act (ACA) provides subsidies to help make insurance more affordable.

Premium Tax Credits and Cost-Sharing Reductions

Individuals and families in Phillips County with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for premium tax credits, which lower your monthly premium payments. Those with incomes up to 250% FPL may also be eligible for cost-sharing reductions, which reduce your out-of-pocket costs like deductibles, copayments, and coinsurance. These reductions are only available with Silver-tier plans.

Medicaid (Health First Colorado) and CHP+ Eligibility

Colorado expanded Medicaid in 2014, known as Health First Colorado. This means that adults in Phillips County with incomes up to 138% of the Federal Poverty Level may qualify for comprehensive health coverage at little to no cost. Unlike states that did not expand Medicaid, Colorado residents within this income range do not fall into a "coverage gap" and can access robust health benefits. Colorado's Child Health Plan Plus (CHP+) also provides coverage for pregnant women with income up to 195% FPL and children in households up to 260% FPL. Pregnant women at or below 138% FPL would first qualify for Health First Colorado. Applications for CHP+ can be made through Colorado PEAK (colorado.gov/PEAK).

Demographics and Local Context for Phillips County

Phillips County, part of Colorado Rating Area 9, is one of the state's more rural counties, with a population of 4,496, per U.S. Census Bureau ACS 2024 5-year estimates. The county has a median income of $64,674, a median age of 40.9 years, and a poverty rate of 16.8%. The uninsured rate in Phillips County is 6.8%, which is notably below the state average, indicating a relatively high rate of health coverage among its residents. Despite having no acute care hospitals within its borders, residents access necessary medical services, including emergency care, by traveling to facilities in neighboring counties within Rating Area 9.

Making Your Health Insurance Decision in Phillips County

Choosing the right health insurance plan for your needs in Phillips County depends on several factors, including your income, health status, and preference for specific doctors or hospitals.

If your household income is below 138% FPL, explore eligibility for Health First Colorado (Medicaid).
If your income is between 100% and 400% FPL, apply through Connect for Health Colorado to see if you qualify for premium tax credits.
If your income is between 100% and 250% FPL, consider a Silver-tier plan to maximize potential cost-sharing reductions.
If you prioritize flexibility in choosing providers, a PPO plan might be suitable, while HMOs and EPOs can offer lower premiums with network restrictions.

A licensed health insurance producer can help you compare plans from HMO Colorado and other carriers, understand your subsidy eligibility, and enroll in a plan that meets your specific needs. This service is typically free to you.

Frequently Asked Questions

What types of health plans are available in Phillips County, Colorado?

Phillips County residents can choose from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans through Connect for Health Colorado, the state's official marketplace.

How many health insurance carriers offer plans in Phillips County?

In 2026, six carriers offer marketplace plans in Colorado Rating Area 9, which includes Phillips County. These include HMO Colorado, Cigna, Denver Health Medical Plan, Kaiser Permanente, Select Health, and United Healthcare.

Can I get financial assistance for health insurance in Phillips County?

Yes, individuals and families in Phillips County with incomes between 100% and 400% of the Federal Poverty Level may qualify for premium tax credits and cost-sharing reductions through Connect for Health Colorado. Colorado expanded Medicaid, so those below 138% FPL may qualify for Health First Colorado.

What is Health First Colorado?

Health First Colorado is Colorado's Medicaid program. It provides low-cost or free health coverage to eligible low-income adults, children, and pregnant women. In Colorado, adults with incomes up to 138% of the Federal Poverty Level may qualify.