Select Health Health Insurance Plans in Arapahoe County, Colorado
- Select Health is one of 6 carriers offering marketplace plans in Arapahoe County's Rating Area 1 for 2026.
- Colorado's marketplace, Connect for Health Colorado, offers HMO, EPO, and PPO plans, allowing diverse choices.
- Adults with incomes up to 138% of the Federal Poverty Level may qualify for Health First Colorado (Medicaid).
- Arapahoe County has a population of 659,844 and an uninsured rate of 9.3%, per U.S. Census Bureau ACS 2024 5-year estimates.
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What Select Health Plans Are Available in Arapahoe County?
Select Health participates in Colorado's health insurance marketplace, Connect for Health Colorado, offering plans to residents of Arapahoe County. In 2026, Select Health is one of 6 carriers providing marketplace plans in Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. This means you can purchase Select Health plans and potentially qualify for subsidies to reduce your monthly premiums and out-of-pocket costs. Colorado's marketplace is robust, offering a variety of plan types including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) structures. While Select Health typically offers HMO and EPO plans, the overall marketplace in Arapahoe County includes PPO options from other carriers like Denver Health Medical Plan and HMO Colorado, ensuring a comprehensive range of choices for consumers. When considering a Select Health plan, you'll find options across different metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect how you and your plan share costs:- Bronze plans: Offer lower monthly premiums but higher deductibles and out-of-pocket maximums. They cover 60% of costs on average, with you paying 40%. Best for those who expect minimal medical care and want protection against catastrophic events.
- Silver plans: Provide moderate premiums and deductibles, covering about 70% of costs. These are the only plans eligible for Cost-Sharing Reductions (CSRs) if you qualify based on income, which can significantly lower your deductibles, copayments, and out-of-pocket maximums.
- Gold plans: Feature higher monthly premiums but lower deductibles and out-of-pocket maximums, covering approximately 80% of costs. Ideal for those who anticipate needing regular medical care or prescription drugs.
- Platinum plans: Have the highest monthly premiums but the lowest deductibles and out-of-pocket costs, covering around 90% of costs. Best for those who use a lot of medical services and want predictable expenses.
Understanding Costs and Subsidies for Select Health Plans
The cost of a Select Health plan in Arapahoe County depends on several factors, including your age, household size, chosen metal tier, and whether you qualify for financial assistance. Colorado residents can access subsidies through Connect for Health Colorado to make coverage more affordable.Premium Tax Credits (Subsidies)
If your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may be eligible for Advanced Premium Tax Credits (APTCs). These credits can be applied directly to your monthly premium, reducing the amount you pay out-of-pocket each month. For example, a single individual earning up to approximately $60,240 annually in 2026 could qualify for premium tax credits.Cost-Sharing Reductions (CSRs)
In addition to premium tax credits, individuals and families with incomes between 150% and 250% of the FPL may also qualify for Cost-Sharing Reductions (CSRs). CSRs are only available with Silver-tier plans and reduce your deductibles, copayments, and out-of-pocket maximums, making your plan effectively more generous. For a single individual, this income range is approximately $22,590 to $37,650 annually in 2026.Medicaid (Health First Colorado) Eligibility
Colorado expanded Medicaid in 2014, known as Health First Colorado. Adults with incomes up to 138% of the FPL may qualify for comprehensive health coverage at little to no cost. For a single individual, this threshold is roughly $20,782 annually in 2026. If your income is at or below this level, you should apply for Health First Colorado through Colorado PEAK. Colorado's Child Health Plan Plus (CHP+) also covers pregnant women with incomes up to 195% FPL and children in households up to 260% FPL.Arapahoe County's Healthcare Landscape
Arapahoe County, with a population of 659,844 and a median age of 37.3 years, is a significant part of the Denver metropolitan area. The county's median income is $101,087, and its uninsured rate stands at 9.3%, per U.S. Census Bureau ACS 2024 5-year estimates. This context highlights the importance of accessible and affordable health insurance options for its diverse population. The county is served by several acute care hospitals, providing essential medical services to its residents. These include Hca-healthone DBA Swedish Medical Center in Englewood, The Medical Center of Aurora & South Hospital in Aurora, and Adventhealth Littleton in Littleton. These facilities offer a range of specialized care, ensuring that Select Health members in Arapahoe County have access to critical services within their community's healthcare network.Enrolling in a Select Health Plan in Arapahoe County
Enrollment in health insurance plans through Connect for Health Colorado typically occurs during the annual Open Enrollment Period, which usually runs from November 1st to January 15th. During this time, you can compare plans from Select Health and other carriers, apply for financial assistance, and enroll in coverage for the upcoming year. Outside of Open Enrollment, you may still be able to enroll if you experience a Qualifying Life Event (QLE). QLEs include major life changes such as losing existing health coverage, getting married, having a baby, or moving to a new service area. If you experience a QLE, you typically have a 60-day Special Enrollment Period to choose a new plan. To enroll or explore your options, you can visit the Connect for Health Colorado website (connectforhealthco.com) or work with a licensed health insurance producer. An agent can help you understand the nuances of different plans, verify your eligibility for subsidies, and guide you through the enrollment process at no additional cost.Health Insurance Carriers in Arapahoe County
In 2026, 6 carriers offer marketplace plans in Rating Area 1, which serves Arapahoe County. These carriers provide a variety of options across different plan types and metal tiers:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Making the Right Choice for Your Health Coverage
Choosing the right health insurance plan, especially from a carrier like Select Health, involves considering your health needs, budget, and preferred doctors. Here's a quick guide to help you decide:- If your income is below 138% FPL: Apply for Health First Colorado (Medicaid). This program provides comprehensive, low-cost coverage.
- If your income is between 100% and 400% FPL: You will likely qualify for premium tax credits through Connect for Health Colorado. Explore Silver plans for potential Cost-Sharing Reductions if your income is between 150% and 250% FPL.
- Consider your healthcare usage: If you visit the doctor frequently or take prescription medications, a Gold or Platinum plan with higher premiums but lower out-of-pocket costs might save you money in the long run. If you are generally healthy, a Bronze plan with a Health Savings Account (HSA) option could be cost-effective for catastrophic coverage.
- Check provider networks: Verify that your preferred doctors and hospitals, such as Hca-healthone DBA Swedish Medical Center or The Medical Center of Aurora & South Hospital, are in the network of any plan you consider.
Frequently Asked Questions
Can I get Select Health insurance through Connect for Health Colorado?
Yes, Select Health is one of the 6 carriers offering plans on Connect for Health Colorado in Rating Area 1, which includes Arapahoe County, for the 2026 plan year. You can enroll in a Select Health plan and potentially qualify for subsidies through the state marketplace.
What types of plans does Select Health offer in Arapahoe County?
In Arapahoe County, Select Health typically offers HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans. Colorado's marketplace, Connect for Health Colorado, also features PPO (Preferred Provider Organization) plans from other carriers, giving you a range of choices.
What is the income limit for Medicaid in Colorado?
Colorado expanded Medicaid (Health First Colorado) in 2014. Adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for Medicaid at little to no cost. For a single individual in 2026, this threshold is approximately $20,782 annually.
Are there subsidies available for Select Health plans in Arapahoe County?
Yes, if your household income falls between 100% and 400% of the Federal Poverty Level, you may qualify for premium tax credits (subsidies) to lower your monthly payments for a Select Health plan purchased through Connect for Health Colorado. Individuals with income between 150% and 250% FPL may also qualify for Cost-Sharing Reductions on Silver plans.