Select Health Health Insurance Plans in Alamosa County, Colorado

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

Select Health is one of 6 carriers offering marketplace plans in Alamosa County's Rating Area 9 for 2026.
Alamosa County residents may qualify for subsidies on Connect for Health Colorado to reduce monthly premiums.
Colorado expanded Medicaid (Health First Colorado), covering adults up to 138% of the Federal Poverty Level (FPL).
PPO, HMO, and EPO plan types are all available on-exchange through Connect for Health Colorado.
The uninsured rate in Alamosa County is 5.8%, significantly below the national average, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Alamosa County, Colorado, for 2026 includes exploring plans from Select Health, a prominent carrier in the region. Residents of Alamosa County can access Select Health plans through Connect for Health Colorado, the state's official health insurance marketplace. Here, you can compare various plan options, determine your eligibility for financial assistance, and enroll in coverage that fits your needs and budget. With Colorado's expanded Medicaid program and robust marketplace, securing affordable health insurance is accessible for most individuals and families in the area.

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

Select Health offers a variety of health insurance plans designed to meet different coverage needs and financial situations for residents of Alamosa County. These plans are available on Connect for Health Colorado, allowing eligible individuals and families to benefit from federal subsidies that can significantly lower monthly premiums and out-of-pocket costs. When considering a Select Health plan, you'll typically find options across different metal tiers:

Bronze Plans: These plans have lower monthly premiums but higher deductibles and out-of-pocket maximums. They are suitable for individuals who want protection against catastrophic medical costs and primarily use their plan for preventive care.
Silver Plans: Offering a balance between monthly premiums and out-of-pocket costs, Silver plans are popular because they are the only tier eligible for Cost-Sharing Reductions (CSRs). CSRs further reduce deductibles, copayments, and out-of-pocket maximums for those who qualify based on income.
Gold Plans: With higher monthly premiums, Gold plans provide lower deductibles and out-of-pocket maximums. They are ideal for individuals or families who anticipate needing frequent medical care and prefer to pay more upfront for more predictable costs throughout the year.

Colorado's marketplace also offers a variety of plan structures, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are available on-exchange in Colorado, giving residents more flexibility in choosing healthcare providers both in and out of network, depending on the specific plan.

Understanding Financial Assistance and Medicaid in Alamosa County

Affordability is a key factor when choosing health insurance, and many Alamosa County residents qualify for financial assistance programs through Connect for Health Colorado. These programs include:

Premium Tax Credits (Subsidies): These credits reduce your monthly premium payments. Eligibility is based on household income relative to the Federal Poverty Level (FPL). Many individuals and families with incomes between 100% and 400% FPL qualify for significant premium assistance.
Cost-Sharing Reductions (CSRs): Available only with Silver plans, CSRs lower your out-of-pocket costs like deductibles, copayments, and coinsurance. Eligibility for CSRs is for individuals and families with incomes up to 250% FPL.

Colorado has expanded its Medicaid program, known as Health First Colorado. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage at little to no cost. This expansion ensures that individuals who might otherwise fall into a coverage gap have access to essential healthcare services. For pregnant women, Colorado's Child Health Plan Plus (CHP+) covers those with income up to 195% FPL, providing comprehensive prenatal, delivery, and postpartum care. Children in households up to 260% FPL are also covered by CHP+. Applications for these programs can be submitted through Colorado PEAK (colorado.gov/PEAK).

Health Insurance Carriers in Alamosa County

For 2026, residents of Alamosa County have several options for marketplace health insurance. In 2026, 6 carriers offer marketplace plans in 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. The confirmed carriers for this rating area include:

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

These carriers provide a range of plans, allowing you to compare benefits, networks, and costs to find the best fit for your healthcare needs. It's important to review the specific plan details, including provider networks and prescription drug formularies, before making an enrollment decision. Alamosa County, with a population of 16,581 and an uninsured rate of 5.8% (per U.S. Census Bureau ACS 2024 5-year estimates), benefits from a concentrated healthcare infrastructure. The county is served by San Luis Valley Regional Medical Center in Alamosa, which is an acute care hospital. Its presence provides essential medical services to the area's residents, whose median income is $55,397.

Making Your Health Insurance Decision in Alamosa County

Choosing the right health insurance plan, whether from Select Health or another carrier, involves evaluating your personal health needs, financial situation, and preferred doctors. Here’s a streamlined approach to help you decide:

Your Situation	Recommended Action
Household income up to 138% FPL	Apply for Health First Colorado (Medicaid) through Colorado PEAK for low-cost or free comprehensive coverage.
Household income 138%–250% FPL	Explore Silver plans on Connect for Health Colorado. You're likely eligible for significant Premium Tax Credits and Cost-Sharing Reductions (CSRs).
Household income 250%–400% FPL	Consider Bronze, Silver, or Gold plans on Connect for Health Colorado. You'll likely qualify for Premium Tax Credits to lower your monthly premiums.
Household income over 400% FPL	Compare plans on Connect for Health Colorado for the best rates, even without subsidies. Off-marketplace plans may also be an option.
You have specific doctors or hospitals you want to use	Check the provider network of any plan (including Select Health) before enrolling to ensure your preferred providers are in-network.

A licensed health insurance agent can provide personalized guidance, helping you understand plan benefits, compare costs, and ensure you receive all eligible subsidies. This service is typically free of charge and can save you significant time and money.

Frequently Asked Questions

Can I get Select Health insurance through Connect for Health Colorado in Alamosa County?

Yes, Select Health is one of 6 carriers offering plans on Connect for Health Colorado in Rating Area 9, which includes Alamosa County, for the 2026 plan year. You can compare their plans with others available to you.

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

Select Health, like other carriers on Connect for Health Colorado, typically offers a range of plan types including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are available on-exchange in Colorado, offering more flexibility in choosing providers.

Do I qualify for financial assistance for Select Health plans in Alamosa County?

Many residents in Alamosa County qualify for subsidies (Premium Tax Credits) to lower their monthly premiums, especially if their household income is between 100% and 400% of the Federal Poverty Level (FPL). You can apply through Connect for Health Colorado to see your eligibility.

What is the uninsured rate in Alamosa County, Colorado?

Alamosa County has an uninsured rate of 5.8%, according to U.S. Census Bureau ACS 2024 5-year estimates. This is lower than the national average, indicating a strong focus on health coverage access in the area.