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

Select Health Health Insurance Plans in Aurora, Colorado

Select Health is one of 6 carriers offering marketplace health insurance plans in Aurora, Colorado's Rating Area 1 for 2026.
Aurora residents can choose from HMO, EPO, and PPO plans on Connect for Health Colorado, the state's official marketplace.
Individuals with household incomes up to 400% FPL may qualify for significant premium tax credits and cost-sharing reductions.
Medicaid, known as Health First Colorado, covers adults with incomes up to 138% FPL, and pregnant women up to 195% FPL.

Navigating health insurance options in Aurora, Colorado, can be streamlined by understanding the local marketplace and available carriers like Select Health. As a resident of Aurora, you access coverage through Connect for Health Colorado, the state-based marketplace, where you can compare a range of plans from multiple insurers. Select Health is a prominent option among the 6 carriers serving Rating Area 1, which includes Aurora. These plans are designed to meet diverse needs, offering various levels of coverage and cost structures, with potential for financial assistance to make premiums more affordable.

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What Health Insurance Options Are Available in Aurora, Colorado?

Aurora, situated in Arapahoe County, is part of Colorado Rating Area 1, which also covers Adams, Broomfield, Denver, Douglas, and Jefferson counties. In this area, residents have access to a robust health insurance marketplace. Connect for Health Colorado offers a variety of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. This means that marketplace shoppers in Aurora can choose from plans that offer different levels of flexibility in selecting doctors and hospitals, unlike some states where PPOs are not available on-exchange. The Connect for Health Colorado marketplace allows individuals and families to shop for plans and determine their eligibility for financial assistance. Subsidies, in the form of premium tax credits and cost-sharing reductions, are available to help lower the cost of monthly premiums and out-of-pocket expenses for those who qualify based on household income. These subsidies are crucial for making comprehensive health coverage accessible to more Aurora residents, particularly given that Aurora has an uninsured rate of 13.7% per U.S. Census Bureau ACS 2024 5-year estimates.

Understanding Select Health Plans in Aurora

Select Health is one of the key carriers participating in Colorado's health insurance marketplace for 2026. As a carrier serving Rating Area 1, Select Health offers plans designed to provide comprehensive medical benefits to individuals and families in Aurora. While specific plan details, such as network size and benefits, can vary, Select Health generally provides options across the "metal tiers" — Bronze, Silver, Gold, and Platinum — each offering a different balance between monthly premiums and out-of-pocket costs. When considering a Select Health plan, it's important to evaluate the plan's network of doctors, specialists, and hospitals. In Arapahoe County, residents have access to facilities such as The Medical Center of Aurora & South Hospital in Aurora, Hca-healthone DBA Swedish Medical Center in Englewood, and Adventhealth Littleton in Littleton. Ensuring that your preferred providers are in-network is a critical step in choosing the right plan. Select Health's offerings through Connect for Health Colorado can be a strong option for many Aurora residents seeking quality coverage.

Financial Assistance and Medicaid in Aurora

Affording health insurance is a primary concern for many. Fortunately, Colorado offers significant support. For residents of Aurora, financial assistance is available through Connect for Health Colorado in the form of premium tax credits, which reduce your monthly premium, and cost-sharing reductions, which lower your out-of-pocket costs like deductibles and copayments. Eligibility for these subsidies is based on household income relative to the Federal Poverty Level (FPL). Premium Tax Credits: Available for individuals and families with incomes between 100% and 400% FPL. These credits can be applied directly to your monthly premium, reducing the amount you pay out of pocket. Cost-Sharing Reductions (CSRs): Available specifically for those who choose a Silver-tier plan and have incomes between 100% and 250% FPL. CSRs enhance the value of Silver plans by reducing deductibles, copayments, and out-of-pocket maximums. For those with lower incomes, Colorado has an expanded Medicaid program called Health First Colorado. Adults with incomes up to 138% FPL may qualify for comprehensive health coverage at little to no cost. Colorado expanded Medicaid in 2014, ensuring that a significant portion of the population can access necessary medical care. Additionally, pregnant women with incomes up to 195% FPL can qualify for coverage through Colorado's Child Health Plan Plus (CHP+), which also covers children in households up to 260% FPL. Applications for Health First Colorado and CHP+ can be submitted through Colorado PEAK (colorado.gov/PEAK).

Health Insurance Carriers in Aurora

For the 2026 plan year, residents of Aurora, Colorado, have a strong selection of carriers offering marketplace plans in Rating Area 1. In 2026, 6 carriers offer marketplace plans in Rating Area 1, providing a competitive environment and a variety of choices. These carriers include:

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

When comparing plans from these carriers, consider factors beyond just the premium, such as the plan's metal tier (Bronze, Silver, Gold, Platinum), the type of plan (HMO, EPO, PPO), the provider network, and the out-of-pocket costs like deductibles and copayments. Each carrier offers unique benefits and network structures, so it is essential to review the specific plan documents to find the best fit for your healthcare needs and budget.

Making the Right Health Insurance Decision in Aurora

Choosing the right health insurance plan in Aurora depends on your individual health needs, financial situation, and preferences for doctors and hospitals. Here’s a guide to help you decide:

If your income is at or below 138% FPL: You likely qualify for Health First Colorado (Medicaid), offering comprehensive coverage at little to no cost. Apply through Colorado PEAK.
If your income is between 100% and 250% FPL: Focus on Silver-tier plans on Connect for Health Colorado. You'll qualify for both premium tax credits and cost-sharing reductions, significantly reducing both your monthly premiums and out-of-pocket costs.
If your income is between 250% and 400% FPL: You're eligible for premium tax credits. Compare Bronze, Silver, and Gold plans. A Silver plan might still be a good balance, but consider Gold for lower out-of-pocket costs if you anticipate frequent medical care.
If your income is above 400% FPL: You will pay the full premium for any marketplace plan. Compare all metal tiers (Bronze, Silver, Gold, Platinum) and consider off-marketplace options as well. Bronze plans have the lowest premiums but highest out-of-pocket costs, while Platinum plans have the highest premiums but lowest out-of-pocket costs.

Aurora, Colorado, is a diverse city with a population of 394,432 and a median household income of $88,368, per U.S. Census Bureau ACS 2024 5-year estimates. This city, along with the rest of Rating Area 1, benefits from a competitive marketplace with multiple carriers and comprehensive plan options. The Medical Center of Aurora & South Hospital is one of the key acute care facilities within Arapahoe County, serving the local population. A licensed health insurance producer can provide personalized guidance, helping you compare plans from carriers like Select Health, understand the nuances of the metal tiers, and maximize any available financial assistance. Their services are typically free to you.

Frequently Asked Questions

Does Select Health offer PPO plans in Aurora, Colorado?

Yes, Colorado's marketplace, Connect for Health Colorado, offers PPO plans in addition to HMO and EPO options. Select Health may offer various plan types, including PPO, depending on their specific offerings for Rating Area 1 in 2026. It is important to compare specific plan details when enrolling.

What is the marketplace for health insurance in Aurora?

Residents of Aurora, Colorado, enroll in health insurance through Connect for Health Colorado, which is the state-based marketplace. This is where individuals and families can compare plans, apply for subsidies, and enroll in coverage.

Can I get financial help for a Select Health plan in Aurora?

Yes, if your household income falls 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. These subsidies can significantly lower your monthly premiums and out-of-pocket costs for plans, including those offered by Select Health, making coverage more affordable.

What if my income is below 138% FPL in Aurora?

If your income is at or below 138% of the Federal Poverty Level, you may qualify for Health First Colorado, Colorado's Medicaid program. Colorado expanded Medicaid in 2014, providing low-cost or free comprehensive health coverage to eligible adults. You can apply through Colorado PEAK.