HMO Colorado Health Insurance Plans in Weld County

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

HMO Colorado is one of 6 carriers offering marketplace plans in Weld County's Rating Area 4 for 2026.
Colorado residents with income up to 138% FPL may qualify for Health First Colorado (Medicaid).
Connect for Health Colorado offers HMO, EPO, and PPO plans, with PPOs available on-exchange.
Weld County has a population of 350,396 and an uninsured rate of 8.0%, per U.S. Census Bureau ACS 2024 5-year estimates.

If you're seeking health insurance in Weld County, Colorado, HMO Colorado is one of the available options through Connect for Health Colorado, the state's official health insurance marketplace. As a Health Maintenance Organization, HMO Colorado emphasizes coordinated care through a network of primary care providers and specialists. Understanding your options, including plan types, costs, and eligibility for financial assistance, is crucial. This guide will help you navigate the health insurance landscape in Weld County, focusing on plans offered by HMO Colorado and other local carriers, as well as state-specific programs like Health First Colorado (Medicaid).

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What Are Your Health Insurance Options in Weld County?

Residents of Weld County have several pathways to securing health insurance coverage. The primary method for individuals and families to obtain subsidized coverage is through Connect for Health Colorado, the state-based marketplace. Here, you can compare plans from various carriers, including HMO Colorado, and determine your eligibility for premium tax credits and cost-sharing reductions. Colorado has an expanded Medicaid program, known as Health First Colorado, which provides low-cost or no-cost coverage for eligible individuals and families. Adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify. Additionally, the Child Health Plan Plus (CHP+) program offers coverage for pregnant women with incomes up to 195% FPL and children in households up to 260% FPL. These programs are vital safety nets for many Weld County residents. Weld County itself, with a population of 350,396 and an uninsured rate of 8.0% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Colorado Rating Area 4. The county is served by two acute care hospitals, Banner North Colorado Medical Center and Uchealth Greeley Hospital, both located in Greeley.

Understanding Plan Types Available in Colorado

When shopping on Connect for Health Colorado, you'll encounter different plan structures:

Health Maintenance Organization (HMO): These plans typically have lower monthly premiums and out-of-pocket costs. You choose a primary care provider (PCP) within the plan's network, who then coordinates most of your care and provides referrals to specialists. HMO Colorado operates under this model.
Exclusive Provider Organization (EPO): EPO plans offer a network of doctors and hospitals, but generally do not require a PCP referral for specialists. However, they typically won't cover out-of-network care except in emergencies.
Preferred Provider Organization (PPO): Unlike many states, PPO plans ARE available on-exchange in Colorado. PPO plans offer more flexibility, allowing you to see any doctor or specialist without a referral, both in and out of network. Out-of-network care usually comes with higher costs. Carriers like Denver Health Medical Plan and HMO Colorado offer PPO options in the state.

Connect for Health Colorado also categorizes plans by "metal tiers"—Bronze, Silver, Gold, and Platinum—which indicate how costs are shared between you and your insurer. Bronze plans have the lowest premiums but highest deductibles, while Platinum plans have the highest premiums but lowest out-of-pocket costs. Silver plans are unique because they are the only tier eligible for Cost-Sharing Reductions (CSRs) if you qualify based on income.

Health Insurance Carriers in Weld County

For the 2026 plan year, residents of Weld County, which constitutes Colorado Rating Area 4, have access to marketplace plans from six confirmed carriers. This robust selection allows for competitive pricing and a variety of plan options to suit different needs and budgets. The confirmed carriers offering marketplace plans in Weld County are:

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

When evaluating plans from these carriers, consider their specific networks, drug formularies, and customer service ratings. While HMO Colorado is a strong option, comparing its offerings with those from other carriers in your area is always recommended to ensure you find the best fit for your healthcare needs.

Financial Assistance and Eligibility for Weld County Residents

Many Weld County residents qualify for financial assistance, making health insurance more affordable. The two main types of assistance available through Connect for Health Colorado are Premium Tax Credits (PTCs) and Cost-Sharing Reductions (CSRs).

Premium Tax Credits (Subsidies)

PTCs lower your monthly health insurance premium. Eligibility is based on your household income and family size. Generally, individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for these subsidies. For example, a single individual with an income between approximately $15,060 and $60,240 (2026 FPL figures, subject to change) could receive assistance.

Cost-Sharing Reductions (CSRs)

CSRs reduce your out-of-pocket costs, such as deductibles, co-payments, and co-insurance. These are available only with Silver-tier plans and for those with incomes up to 250% FPL. For a single individual, this would be an income of approximately $37,650 (2026 FPL). CSRs are a significant benefit that can make Silver plans more valuable than higher-tier plans for eligible individuals.

Health First Colorado (Medicaid) and CHP+

Colorado has expanded its Medicaid program, Health First Colorado, providing coverage for adults with incomes up to 138% FPL. For a single person, this is roughly $20,782 annually. Pregnant women may qualify for CHP+ up to 195% FPL, and children up to 260% FPL. These programs offer comprehensive benefits at little to no cost. You can apply for these programs through Colorado PEAK (colorado.gov/PEAK).

Making Your Health Insurance Decision in Weld County

Choosing the right health insurance plan involves assessing your unique health needs, financial situation, and preferences for doctors and hospitals. Here’s a guide to help you decide:

Your Situation	Recommended Action	Key Consideration
Income below 138% FPL	Apply for Health First Colorado (Medicaid) via Colorado PEAK.	Offers comprehensive, low-cost coverage. Verify eligibility at colorado.gov/PEAK.
Income 138% - 250% FPL	Explore Silver plans on Connect for Health Colorado, utilizing Premium Tax Credits and Cost-Sharing Reductions.	CSRs significantly reduce deductibles and out-of-pocket maximums.
Income 250% - 400% FPL	Compare Bronze, Silver, and Gold plans on Connect for Health Colorado, applying Premium Tax Credits.	Focus on maximizing subsidies and balancing premiums with potential out-of-pocket costs.
Income above 400% FPL	Evaluate all metal tiers on Connect for Health Colorado or consider off-marketplace plans.	You will pay full price for premiums, but can still benefit from the consumer protections of the ACA.
Prioritize low monthly premiums	Consider Bronze or catastrophic plans (if eligible).	Be prepared for higher deductibles and out-of-pocket costs before coverage kicks in.
Prioritize predictable costs and comprehensive coverage	Look at Gold or Platinum plans.	Higher premiums, but lower deductibles and out-of-pocket maximums.
Have specific doctors you want to keep	Check if your doctors are in-network for your chosen plan and carrier (HMO Colorado, Cigna, etc.).	PPO plans offer more flexibility for out-of-network care, but at a higher cost.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from HMO Colorado and other carriers, understand your subsidy eligibility, and enroll in the plan that best meets your needs—all at no cost to you.

Frequently Asked Questions

Can I get an HMO Colorado plan if I live in Weld County?

Yes, HMO Colorado is one of six confirmed carriers offering health insurance plans through Connect for Health Colorado in Weld County for the 2026 plan year. You can enroll during open enrollment or with a qualifying life event.

What are the income limits for Medicaid in Colorado?

In Colorado, adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado (Medicaid). For a single individual, this is approximately $20,782 per year in 2026. Pregnant women may qualify up to 195% FPL, and children up to 260% FPL through CHP+.

What types of health plans are available on Connect for Health Colorado in Weld County?

Connect for Health Colorado offers a variety of plan types in Weld County, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are available on-exchange in Colorado.

How do I choose the best health plan for my needs?

Choosing the best plan depends on several factors, including your health needs, budget, and preferred doctors. Consider the plan type (HMO, EPO, PPO), monthly premiums, deductibles, out-of-pocket maximums, and whether your preferred providers are in-network. A licensed agent can help you compare options and find subsidies.