Select Health Health Insurance in Arvada, Colorado

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

Select Health is one of 6 carriers offering marketplace plans in Arvada's Rating Area 1 for 2026.
Arvada residents can enroll in plans through Connect for Health Colorado and may qualify for subsidies based on income.
Colorado expanded Medicaid (Health First Colorado) in 2014, covering adults up to 138% of the Federal Poverty Level.
Arvada's population is 122,634, with an uninsured rate of 4.4% per U.S. Census Bureau ACS 2024 5-year estimates.

For residents of Arvada, Colorado, seeking health insurance, Select Health is a key option available through Connect for Health Colorado, the state's official marketplace. In 2026, Select Health is one of six carriers participating in Rating Area 1, which serves Arvada and surrounding communities. This means you can compare Select Health plans alongside offerings from other insurers, with the potential to significantly lower your monthly premiums through federal tax credits, depending on your household income. Understanding your options through Connect for Health Colorado is crucial, as the marketplace provides access to comprehensive plans, including HMO, EPO, and PPO structures, ensuring a range of choices to fit different needs and budgets.

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What Health Insurance Options Are Available in Arvada?

Residents of Arvada, situated in Jefferson County, have access to a robust health insurance marketplace through Connect for Health Colorado. The state's exchange offers a variety of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Unlike some states, Colorado's marketplace includes PPO plans, providing more flexibility in provider choice for many shoppers. Plans are categorized into metal tiers—Bronze, Silver, Gold, and Platinum—each offering different levels of cost-sharing between you and your insurer. Bronze plans typically have lower premiums but higher deductibles and out-of-pocket costs, while Gold and Platinum plans have higher premiums but lower costs when you need care. Silver plans are unique because eligible individuals can receive Cost-Sharing Reductions (CSRs) that reduce deductibles, copays, and out-of-pocket maximums, making them a valuable option for those within specific income thresholds.

Health Insurance Carriers in Arvada

In 2026, 6 carriers offer marketplace plans in Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, Jefferson counties. Arvada, being part of Jefferson County, has access to plans from these insurers. The carriers confirmed to offer plans in this rating area are:

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

These carriers provide a range of plans across the metal tiers, allowing Arvada residents to choose coverage that best fits their financial situation and healthcare needs. It is important to compare the specific benefits, provider networks, and costs of each plan before enrolling.

Understanding Financial Assistance and Medicaid in Colorado

Many Arvada residents may qualify for financial assistance to make health insurance more affordable. The Affordable Care Act (ACA) provides premium tax credits (subsidies) that can significantly reduce your monthly premiums on plans purchased through Connect for Health Colorado. Eligibility for these subsidies is based on household income relative to the Federal Poverty Level (FPL). In Colorado, subsidies are available for individuals and families earning between 100% and 400% FPL, and even higher for those spending more than 8.5% of their income on premiums. Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults with household 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 approximately $20,782 per year in 2026. For pregnant women, Health First Colorado and the Child Health Plan Plus (CHP+) program cover those with incomes up to 195% FPL, providing comprehensive prenatal, delivery, and postpartum care. CHP+ also extends coverage to children in households up to 260% FPL. You can apply for these programs through Colorado PEAK at colorado.gov/PEAK. Arvada, with a population of 122,634 and a median household income of $117,348, shows a relatively low uninsured rate of 4.4% per U.S. Census Bureau ACS 2024 5-year estimates. This is significantly lower than the national average and reflects the accessibility of coverage options and financial aid in Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, Jefferson counties. Jefferson County is also home to major medical centers like Lutheran Medical Center in Wheat Ridge, part of a network of 4 acute care hospitals in the county.

Choosing the Right Select Health Plan in Arvada

Selecting the right health insurance plan, whether from Select Health or another carrier, involves considering several factors:

Budget: Determine how much you can comfortably afford for monthly premiums and potential out-of-pocket costs (deductibles, copays, coinsurance).
Provider Network: Check if your preferred doctors, specialists, and hospitals are in the plan's network. Select Health, like other carriers, has specific networks. In Jefferson County, hospitals include Lutheran Medical Center, Centura Health-st Anthony Hospital, and Orthocolorado Hosp at St Anthony Med Campus.
Prescription Drug Coverage: Review the plan's formulary to ensure your necessary medications are covered and understand their cost.
Anticipated Healthcare Needs: If you expect frequent doctor visits, ongoing treatments, or a specific medical event, a Gold or Platinum plan with lower out-of-pocket costs might be more economical despite higher premiums. For those who anticipate minimal healthcare use, a Bronze plan might be suitable.
Subsidy Eligibility: If your income qualifies you for premium tax credits or Cost-Sharing Reductions, a Silver plan might offer the best value, especially with CSRs.

A licensed health insurance producer can provide personalized guidance, helping you navigate the options and enroll in a plan that meets your specific needs at no extra cost.

Frequently Asked Questions

Can I get Select Health insurance through Connect for Health Colorado?

Yes, Select Health is one of 6 carriers offering plans on Connect for Health Colorado in Rating Area 1, which includes Arvada, for the 2026 plan year. You can enroll in a Select Health plan and potentially receive subsidies if you qualify based on income.

What types of plans does Select Health offer in Arvada?

Select Health, along with other carriers in Colorado, offers a variety of plan types including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans on the state marketplace, Connect for Health Colorado. PPO plans are available on-exchange in Colorado.

What is the uninsured rate in Arvada, Colorado?

Arvada, Colorado, has an uninsured rate of 4.4% per U.S. Census Bureau ACS 2024 5-year estimates. This is lower than the Jefferson County average of 5.3%, indicating strong health coverage rates in the city.

How do I apply for health insurance in Arvada?

Residents of Arvada can apply for health insurance through Connect for Health Colorado, the state's official health insurance marketplace. You can also work with a licensed health insurance producer who can help you compare plans, check subsidy eligibility, and enroll at no additional cost.