Kaiser Permanente Health Insurance Plans in Broomfield County, CO
- Kaiser Permanente is one of 6 carriers offering health insurance plans through Connect for Health Colorado in Broomfield County for 2026.
- Broomfield County is part of Colorado Rating Area 1, which also includes Adams, Arapahoe, Denver, Douglas, and Jefferson counties.
- Colorado's Medicaid program, Health First Colorado, covers adults with incomes up to 138% of the Federal Poverty Level.
- Residents with a household income between 100% and 400% FPL may qualify for significant subsidies to reduce monthly premiums.
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 Kaiser Permanente Plans Are Available in Broomfield County?
In 2026, Kaiser Permanente is among the 6 carriers offering marketplace plans in Colorado Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. Kaiser Permanente primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. These plan types typically emphasize coordinated care within a specific network of providers and facilities. With an HMO, you generally choose a primary care provider (PCP) who coordinates your care and provides referrals to specialists. EPOs offer more flexibility to see specialists without a referral, but still require you to stay within the plan's network. Colorado's marketplace, Connect for Health Colorado, also offers PPO (Preferred Provider Organization) plans from other carriers. PPOs allow more flexibility to see out-of-network providers, though usually at a higher cost. When considering Kaiser Permanente, it is important to understand their integrated model, where your coverage and care are often provided by the same organization.Understanding Subsidies and Affordability in Colorado
Many Broomfield County residents can significantly lower their health insurance costs through financial assistance available on Connect for Health Colorado. These subsidies, officially known as Advance Premium Tax Credits (APTCs), reduce your monthly premium payments. Eligibility is based primarily on your household income relative to the Federal Poverty Level (FPL).| Household Income (FPL) | Coverage Options |
|---|---|
| Below 138% FPL (e.g., up to $20,388 for an individual) | Eligible for Health First Colorado (Medicaid), offering comprehensive, low-cost coverage. |
| 138% - 250% FPL (e.g., $20,388 - $36,900 for an individual) | Eligible for significant premium subsidies and enhanced cost-sharing reductions (CSRs) on Silver plans. |
| 250% - 400% FPL (e.g., $36,900 - $59,040 for an individual) | Eligible for premium subsidies, reducing monthly costs. |
| Above 400% FPL (e.g., above $59,040 for an individual) | May still qualify for premium subsidies depending on individual circumstances and the cost of the benchmark plan. |
Note: FPL figures are estimates for 2026 and are subject to change. Actual subsidy amounts depend on household size, income, and the cost of available plans.
Broomfield County, with a population of 76,304 and a median income of $123,874 per U.S. Census Bureau ACS 2024 5-year estimates, also has an uninsured rate of 4.4%. This is significantly lower than the national average, indicating a strong uptake of health coverage, likely bolstered by the availability of affordable plans through Connect for Health Colorado and robust Medicaid expansion.
Health First Colorado (Medicaid) and CHP+ in Colorado
Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage at little to no cost. If your income falls within this range, you should apply for Health First Colorado first, as it generally offers the most robust benefits with the lowest out-of-pocket costs. Additionally, Colorado's Child Health Plan Plus (CHP+) provides coverage for pregnant women with incomes up to 195% FPL and children in households up to 260% FPL. These programs are vital resources for families and individuals in Broomfield County needing affordable healthcare. You can apply for these programs through Colorado PEAK (colorado.gov/PEAK).Health Insurance Carriers in Broomfield County
For 2026, 6 carriers offer marketplace plans in Rating Area 1, serving Broomfield County and its neighbors. This variety allows residents to choose from a range of plan types and provider networks. The confirmed carriers for this rating area are:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Broomfield County is served by Centura Health St. Anthony North Health Campus in Westminster, which is an acute care hospital. When selecting a Kaiser Permanente plan, it is important to confirm their specific network of hospitals and providers, as their integrated model often means a closed network centered around their own facilities.
Choosing the Right Kaiser Permanente Plan in Broomfield County
When selecting a Kaiser Permanente plan, consider your healthcare needs, budget, and preference for an integrated system.- Network and Providers: Kaiser Permanente plans operate with a specific network of doctors and facilities. Ensure your preferred doctors or any specialists you need are within their network, or be comfortable using Kaiser Permanente's integrated services.
- Plan Type (HMO/EPO): Understand the difference between HMO and EPO plans. HMOs typically require a PCP and referrals, while EPOs offer more direct access to specialists within their network.
- Cost-Sharing: Compare deductibles, copayments, and out-of-pocket maximums across different metal tiers (Bronze, Silver, Gold). If you qualify for Cost-Sharing Reductions (CSRs), a Silver plan will offer significantly lower out-of-pocket costs.
- Prescription Drug Coverage: Review the formulary to ensure your necessary medications are covered and understand the associated costs.
Broomfield County, part of Colorado Rating Area 1, has an uninsured rate of 4.4% and a poverty rate of 6.2% per U.S. Census Bureau ACS 2024 5-year estimates. This relatively low uninsured rate suggests that many residents are successfully finding and utilizing coverage options, including those from carriers like Kaiser Permanente.
Frequently Asked Questions
Is Kaiser Permanente accepted at all hospitals in Broomfield County?
Kaiser Permanente typically operates an integrated system, meaning their plans usually require you to use Kaiser Permanente's own medical centers and contracted providers. While Centura Health St. Anthony North Health Campus is located in Westminster, you should always verify directly with Kaiser Permanente if any specific non-Kaiser Permanente facility is in-network for your chosen plan, especially for emergencies.
Can I get financial help for Kaiser Permanente plans in Broomfield County?
Yes, if you purchase a Kaiser Permanente plan through Connect for Health Colorado, you may be eligible for Advance Premium Tax Credits (APTCs) to lower your monthly premiums, and potentially Cost-Sharing Reductions (CSRs) if you choose a Silver plan and meet income qualifications. These subsidies are available to individuals and families with incomes between 100% and 400% (or more, depending on benchmark plan costs) of the Federal Poverty Level.
What is the Open Enrollment Period for Kaiser Permanente plans in Colorado?
The Open Enrollment Period for individual and family health insurance plans in Colorado typically runs from November 1st to January 15th each year. During this time, you can enroll in a new plan, change your existing plan, or re-enroll for the upcoming year. Outside of Open Enrollment, you may qualify for a Special Enrollment Period (SEP) due to certain life events like marriage, birth of a child, or loss of other coverage.
How do I find a Kaiser Permanente doctor in Broomfield County?
If you enroll in a Kaiser Permanente plan, you will typically use their online provider directory or contact their member services to find a primary care physician and access specialists within their integrated network. Their system is designed to streamline care within their own facilities and with their own medical group.