HMO Colorado Health Insurance Plans in Summit County, Colorado

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

In 2026, 6 carriers, including HMO Colorado, offer marketplace plans in Summit County's Rating Area 7.
Colorado residents with income up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado (Medicaid).
PPO, HMO, and EPO plans are all available on-exchange through Connect for Health Colorado in Summit County.
Summit County's population is 31,017, with an uninsured rate of 10.2%, per U.S. Census Bureau ACS 2024 5-year estimates.

If you're looking for health insurance options from HMO Colorado in Summit County, Colorado, you'll find them available through Connect for Health Colorado, the state's official health insurance marketplace. HMO Colorado is one of six carriers offering plans in Rating Area 7, which covers Eagle, Grand, Jackson, Routt, and Summit counties for the 2026 plan year. These plans, along with options from other carriers, are designed to meet the diverse needs of individuals and families, often with financial assistance available to reduce monthly premiums and out-of-pocket costs. Understanding the specific plan types, eligibility requirements, and local provider networks is key to choosing the right coverage.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

What Are Your Health Insurance Options in Summit County?

Residents of Summit County have several avenues for health insurance coverage, primarily through Connect for Health Colorado. This state-based marketplace allows individuals and families to compare plans, apply for subsidies, and enroll in coverage. Colorado has expanded Medicaid, known as Health First Colorado, providing low-cost or no-cost health coverage to adults with incomes up to 138% of the Federal Poverty Level (FPL). Additionally, the state's Child Health Plan Plus (CHP+) covers pregnant women up to 195% FPL and children up to 260% FPL. In Summit County, HMO Colorado offers Health Maintenance Organization (HMO) plans, which are characterized by a network of doctors and hospitals, typically requiring a primary care provider (PCP) and referrals for specialist visits. However, unlike some other states, Colorado's marketplace also features Exclusive Provider Organization (EPO) and Preferred Provider Organization (PPO) plans, giving consumers a wide range of choices regarding network flexibility and referral requirements.

HMO Colorado Plans and Other Carriers in Rating Area 7

Summit County is part of Colorado Rating Area 7, which also includes Eagle, Grand, Jackson, and Routt counties. For the 2026 plan year, residents in this rating area can choose from plans offered by 6 confirmed carriers on Connect for Health Colorado. HMO Colorado is a prominent option, known for its network-based coverage. The full list of carriers offering marketplace plans in Rating Area 7 for 2026 includes:

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

When evaluating plans, consider not only the carrier and plan type (HMO, EPO, PPO) but also the specific network of doctors, specialists, and hospitals. Summit County's St Anthony Summit Medical Center in Frisco is an acute care facility that may be part of various carrier networks. It is always important to verify that your preferred providers are included in any plan you consider.

Summit County's 31,017 residents, with a median age of 39.5 years and a median household income of $109,773, navigate a health insurance landscape where 10.2% remain uninsured, per U.S. Census Bureau ACS 2024 5-year estimates. St Anthony Summit Medical Center serves as the primary acute care hospital for the county, a key local entity for health services within Rating Area 7, which has a poverty rate of 7.7%.

Understanding Financial Assistance and Subsidies

Many Summit County residents qualify for financial assistance to make health insurance more affordable. These subsidies, which include Premium Tax Credits (PTCs) and Cost-Sharing Reductions (CSRs), are available through Connect for Health Colorado.

Premium Tax Credits (PTCs): These reduce your monthly premium payments. Eligibility is based on your household income relative to the Federal Poverty Level (FPL) and the cost of the benchmark Silver plan in your area.
Cost-Sharing Reductions (CSRs): These reduce the amount you pay out-of-pocket for deductibles, copayments, and coinsurance. CSRs are only available with Silver plans and are tied to specific income thresholds.

Colorado's Medicaid expansion (Health First Colorado) covers adults up to 138% FPL. For pregnant women, Child Health Plan Plus (CHP+) covers those with incomes up to 195% FPL, and children in households up to 260% FPL can also qualify for CHP+. These programs provide significant support for low-income residents.

Choosing the Right Plan: HMO, EPO, or PPO?

When selecting a plan from HMO Colorado or another carrier in Summit County, understanding the differences between HMO, EPO, and PPO plans is crucial:

HMO (Health Maintenance Organization): Generally has lower premiums and out-of-pocket costs but requires you to choose a primary care provider (PCP) within the network and get referrals to see specialists. HMO Colorado primarily offers this type of plan.
EPO (Exclusive Provider Organization): Offers more flexibility than an HMO, as you typically don't need a PCP referral to see a specialist. However, it usually won't cover out-of-network care except in emergencies.
PPO (Preferred Provider Organization): Provides the most flexibility. You don't need a PCP, and you can see out-of-network providers, though you'll pay more for doing so. PPO plans are available on-exchange in Colorado.

Consider your healthcare needs, budget, and preference for network flexibility when making your decision. If you have specific doctors or hospitals you want to continue seeing, verify their inclusion in the plan's network before enrolling.

Navigating Your Health Insurance Decision in Summit County

Making an informed decision about health insurance in Summit County involves assessing your income, healthcare needs, and preferred provider access.

If your income is below 138% FPL: You likely qualify for Health First Colorado (Medicaid), providing comprehensive, low-cost coverage.
If your income is between 100% and 400% FPL: You are likely eligible for significant Premium Tax Credits, making marketplace plans more affordable. Consider Enhanced Silver plans if your income is below 250% FPL, as these offer valuable Cost-Sharing Reductions.
If your income is above 400% FPL: While you won't qualify for subsidies, you can still enroll in a plan through Connect for Health Colorado or directly with a carrier. Focus on comparing premiums, deductibles, and out-of-pocket maximums across different metal tiers (Bronze, Silver, Gold, Platinum).

A licensed health insurance producer can provide personalized guidance, helping you compare HMO Colorado plans with other options, understand your subsidy eligibility, and enroll in a plan that best fits your situation—all at no cost to you.

Frequently Asked Questions

What types of plans does HMO Colorado offer in Summit 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. In Summit County, you can find HMO Colorado plans alongside other carriers offering HMO, EPO, and PPO plans through Connect for Health Colorado.

Can I get a PPO plan on Connect for Health Colorado in Summit County?

Yes, in Colorado, PPO plans are available on-exchange through Connect for Health Colorado. This means residents of Summit County can choose from HMO, EPO, and PPO plan structures when shopping for subsidized health insurance.

What is the uninsured rate in Summit County, Colorado?

According to U.S. Census Bureau ACS 2024 5-year estimates, Summit County has an uninsured rate of 10.2%. This is slightly higher than the national average, making access to affordable health insurance plans crucial for many residents.

How do I apply for health insurance with HMO Colorado in Summit County?

You can apply for HMO Colorado plans and compare them with other carriers through Connect for Health Colorado, the state's official health insurance marketplace. You may also qualify for financial assistance based on your income. A licensed health insurance producer can help you navigate your options and apply.