Select Health Insurance Plans in Adams County, Colorado

Select Health is one of 6 carriers offering health insurance plans on Connect for Health Colorado in Adams County for 2026.
Adams County is part of Colorado Rating Area 1, which also covers Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties.
The median household income in Adams County is $94,571, with an uninsured rate of 11.6% per U.S. Census Bureau ACS 2024 5-year estimates.
Colorado's Medicaid program, Health First Colorado, covers adults with incomes up to 138% of the Federal Poverty Level.

Finding the right health insurance plan in Adams County, Colorado, involves understanding your options on the state's marketplace, Connect for Health Colorado. For 2026, Select Health is among the carriers providing plans to residents in Adams County. This guide will walk you through the specifics of securing Select Health coverage, how it fits into the broader local insurance landscape, and what financial assistance may be available to help reduce your costs.

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What Are Your Health Insurance Options with Select Health in Adams County?

As a resident of Adams County, you have access to health insurance plans from Select Health through Connect for Health Colorado. This state-based marketplace allows individuals and families to compare plans, apply for financial assistance, and enroll in coverage. In Colorado, carriers like Select Health offer a variety of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) options. Each type has different rules regarding provider networks and referrals, so it's important to understand which best suits your healthcare needs.

Adams County is part of Colorado Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. This means that the plans and rates available from Select Health and other carriers are standardized across this multi-county region. When selecting a plan, consider factors such as monthly premiums, deductibles, copayments, and out-of-pocket maximums. It's also crucial to verify that your preferred doctors and hospitals are included in the plan's network, especially if you have established relationships with local providers like Intermountain Health Platte Valley Hospital or University of Colorado Hospital Authority.

Can You Get Financial Help for Select Health Plans in Adams County?

Many Adams County residents qualify for financial assistance, known as subsidies, to help make health insurance more affordable. These subsidies come in two main forms through Connect for Health Colorado:

Premium Tax Credits: These credits reduce your monthly premium payment. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). If your income is between 100% and 400% FPL, you will likely qualify.
Cost-Sharing Reductions (CSRs): These are available to individuals and families with incomes up to 250% FPL who enroll in a Silver-tier plan. CSRs reduce the amount you have to pay for deductibles, copayments, and coinsurance, effectively lowering your out-of-pocket costs when you receive care.

Colorado also expanded its Medicaid program, Health First Colorado, in 2014. This program provides comprehensive health coverage at little to no cost for adults with household incomes up to 138% of the Federal Poverty Level. For pregnant women, the Child Health Plan Plus (CHP+) program covers those with incomes up to 195% FPL, and children up to 260% FPL. If your income falls within these ranges, you may qualify for these state programs, which can offer more robust benefits with lower costs than marketplace plans.

Health Insurance Carriers in Adams County

In 2026, 6 carriers offer marketplace plans in Colorado Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. Adams County's population of 530,225 has a median income of $94,571, per U.S. Census Bureau ACS 2024 5-year estimates. The uninsured rate in Adams County is 11.6%, highlighting the importance of accessible health coverage options. The carriers confirmed to offer plans in this area include:

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

Each of these carriers provides a range of plans across different metal tiers (Bronze, Silver, Gold, Platinum), allowing you to choose a plan that balances monthly premiums with out-of-pocket costs. When considering Select Health, you can compare its offerings directly against these other providers to find the most suitable coverage for your household.

Local Healthcare Landscape in Adams County

Adams County is served by a variety of healthcare facilities, which is an important consideration when choosing a health insurance plan. The county is home to four hospitals that provide essential services to its residents. These include Intermountain Health Platte Valley Hospital in Brighton, University of Colorado Hospital Authority in Aurora, HCA Healthone Mountain Ridge in Thornton, and Children's Hospital Colorado, also in Aurora. These facilities offer a range of acute care and specialized services. When selecting a Select Health plan, it's crucial to confirm that these or your preferred local healthcare providers are within the plan's network to ensure seamless access to care.

Making Your Health Insurance Decision in Adams County

Choosing a health insurance plan requires evaluating your healthcare needs, budget, and eligibility for financial assistance. Here’s a brief guide to navigate your options:

Low Income (below 138% FPL): You likely qualify for Health First Colorado (Medicaid), offering comprehensive coverage with minimal costs. Apply through Colorado PEAK.
Moderate Income (100%-250% FPL): You may qualify for significant premium tax credits and cost-sharing reductions. A Silver plan often provides the best value, combining lower premiums with reduced out-of-pocket costs.
Higher Income (250%-400% FPL): You may still qualify for premium tax credits, making marketplace plans more affordable. Compare Bronze, Silver, and Gold plans based on your expected healthcare usage.
No Subsidies (above 400% FPL): You'll pay the full premium for any plan. Focus on finding a plan that offers the best balance of network access and cost-sharing for your needs.

Navigating these choices can be complex. A licensed health insurance producer can provide free, personalized guidance to help you compare Select Health plans with other options, understand your subsidy eligibility, and enroll in the coverage that best fits your situation in Adams County.

Frequently Asked Questions

Is Select Health available on Connect for Health Colorado in Adams County?

Yes, Select Health is one of six carriers offering health insurance plans on Connect for Health Colorado in Adams County for the 2026 plan year. Residents can compare their plans with other local carriers.

What types of plans does Select Health offer in Adams County?

In Colorado, marketplace carriers like Select Health typically offer Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Each plan type has different network and referral rules.

Can I get financial assistance for a Select Health plan in Adams County?

Yes, if your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions through Connect for Health Colorado. Many Adams County residents find significant savings.

How does Medicaid work in Adams County, Colorado?

Colorado expanded Medicaid (Health First Colorado) in 2014, making it available to adults with income up to 138% of the Federal Poverty Level. Pregnant women and children may qualify at higher income thresholds, up to 195% FPL for pregnant women and 260% FPL for children via the Child Health Plan Plus (CHP+) program.