Is Select Health available on the Connect for Health Colorado marketplace in Avon?

Yes, Select Health is one of the six carriers offering marketplace health insurance plans in Rating Area 7, which includes Avon, Colorado, for the 2026 plan year. You can compare their plans with other local carriers through Connect for Health Colorado.

How do I know if I qualify for financial assistance for a Select Health plan?

Eligibility for subsidies (Premium Tax Credits and Cost-Sharing Reductions) is based on your household income relative to the Federal Poverty Level (FPL). In Colorado, individuals and families with incomes between 100% and 400% FPL typically qualify for Premium Tax Credits to lower monthly premiums. Those between 100% and 250% FPL may also qualify for Cost-Sharing Reductions to lower out-of-pocket costs on Silver plans. Connect for Health Colorado can help you determine your exact eligibility.

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

Select Health Insurance Plans in Avon, Colorado

Q: What types of plans does Select Health offer in Avon?

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

Select Health is one of 6 carriers offering marketplace plans in Avon's Rating Area 7 for 2026.
Avon residents can access subsidies for plans through Connect for Health Colorado, with eligibility up to 400% FPL.
Colorado's Medicaid program, Health First Colorado, covers adults up to 138% FPL, and pregnant women up to 195% FPL via CHP+.

Navigating health insurance options in Avon, Colorado, often involves considering carriers like Select Health. For 2026, Select Health is an active participant in the Connect for Health Colorado marketplace, offering a range of plans to residents of Avon and the broader Eagle County area. This means individuals and families can compare Select Health's offerings alongside other local carriers, potentially benefiting from federal subsidies to lower their monthly premiums and out-of-pocket costs. Understanding the specific plan types, financial assistance available, and the local healthcare landscape is key to making an informed decision.

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What Health Insurance Options Does Select Health Offer in Avon?

In Avon, Colorado, Select Health provides various health insurance plan options through Connect for Health Colorado. Like other carriers in the state, Select Health offers plans structured as Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. It's important to note that PPO plans are available on-exchange in Colorado, giving consumers more flexibility in choosing their doctors and specialists compared to states where PPOs are restricted to off-marketplace.

When selecting a plan, you'll encounter different metal tiers—Bronze, Silver, Gold, and Platinum—each designed to balance monthly premiums with out-of-pocket costs. Bronze plans typically have lower premiums but higher deductibles and out-of-pocket maximums, making them suitable for those who expect minimal healthcare use. Silver plans offer a moderate balance, and if your income qualifies, you may receive Cost-Sharing Reductions (CSRs) that enhance a Silver plan's value by lowering deductibles, copayments, and coinsurance. Gold and Platinum plans feature higher premiums but lower out-of-pocket costs, ideal for individuals or families who anticipate frequent medical care.

Understanding Financial Assistance and Medicaid in Colorado

Many Avon residents qualify for financial assistance to make health insurance more affordable. Through Connect for Health Colorado, two main types of subsidies are available:

Premium Tax Credits (PTCs): These credits reduce your monthly premium. Eligibility is based on household income, typically for those earning between 100% and 400% of the Federal Poverty Level (FPL). For example, an individual in Avon with an income of $40,000 (around 260% FPL) would likely qualify for a significant PTC.
Cost-Sharing Reductions (CSRs): Available only with Silver-tier plans, CSRs lower your out-of-pocket costs like deductibles, copayments, and coinsurance. You may qualify for CSRs if your income is between 100% and 250% FPL. These reductions effectively make Silver plans much more comprehensive than their standard counterparts.

For individuals and families with lower incomes, Colorado offers Health First Colorado, the state's Medicaid program, which expanded in 2014. Adults with income up to 138% FPL qualify for Medicaid with little to no cost. Colorado's Child Health Plan Plus (CHP+) also covers pregnant women with income up to 195% FPL and children in households up to 260% FPL, providing comprehensive care. Eligibility for these programs can be determined and applied for through Colorado PEAK at colorado.gov/PEAK.

Health Insurance Carriers in Avon

Avon, Colorado, is part of Rating Area 7, which covers Eagle, Grand, Jackson, Routt, and Summit counties. For the 2026 plan year, 6 carriers offer marketplace plans in Rating Area 7. This provides residents with a strong selection of options when choosing their health coverage.

The confirmed local carriers participating in Connect for Health Colorado for Avon and Rating Area 7 include:

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

These carriers offer a variety of plan types across the metal tiers, allowing you to compare benefits, networks, and costs to find a plan that best fits your healthcare needs and budget. Vail Health Hospital in Vail is the primary acute care facility serving Eagle County, and its network participation with these carriers is a key consideration for local residents.

Choosing the Right Select Health Plan or Alternative in Avon

Making the right health insurance choice depends on your specific financial situation, health needs, and preferences. Here’s a guide to help you decide:

Your Household Income (FPL)	Recommended Action	Considerations
Below 138% FPL	Apply for Health First Colorado (Medicaid)	Comprehensive, low-cost coverage. Apply through Colorado PEAK.
138% - 250% FPL	Enroll in an Enhanced Silver Plan via Connect for Health Colorado	Qualify for significant Premium Tax Credits and Cost-Sharing Reductions, lowering both premiums and out-of-pocket costs.
251% - 400% FPL	Enroll in any metal tier plan via Connect for Health Colorado	Qualify for Premium Tax Credits to reduce monthly premiums. Compare Bronze, Silver, and Gold plans for the best balance of premium and deductible.
Above 400% FPL	Explore plans on Connect for Health Colorado or off-marketplace	May not qualify for subsidies but can still find competitive plans. Consider Select Health or other carriers based on network and benefits.

Avon, Colorado, with a population of 5,972 and an uninsured rate of 21.2% per U.S. Census Bureau ACS 2024 5-year estimates, highlights the critical need for accessible health coverage. Eagle County, where Avon is located, has a population of 55,135 with a median income of $104,096. Choosing a plan from carriers like Select Health, Cigna, or Kaiser Permanente requires careful consideration of local network access, especially to facilities like Vail Health Hospital, which serves the entire county. A licensed health insurance agent can provide free, personalized guidance to help you navigate these options and enroll in the best plan for your circumstances.

Frequently Asked Questions

Is pregnancy a qualifying life event for health insurance enrollment in Colorado?

No, pregnancy itself is not a qualifying life event (QLE) for a Special Enrollment Period (SEP) to enroll in an ACA plan. However, the birth of a baby is a QLE, allowing you to enroll or change plans within 60 days of the child's birth. If you are pregnant and need coverage, you may qualify for Colorado's Child Health Plan Plus (CHP+) for pregnant women with income up to 195% FPL, or Health First Colorado (Medicaid) if your income is below 138% FPL.

Can I keep my doctor if I choose a Select Health plan?

Whether you can keep your current doctor depends on the specific Select Health plan you choose and your doctor's network participation. HMO and EPO plans typically have more restricted networks, requiring you to use in-network providers. PPO plans offer more flexibility, allowing out-of-network care at a higher cost. Always verify that your preferred doctors and any specialists you see are in-network with the specific plan you are considering before enrolling.

What is the difference between an HMO, EPO, and PPO plan in Colorado?

In Colorado, you'll find HMO, EPO, and PPO plans. An HMO (Health Maintenance Organization) typically requires you to choose a primary care physician (PCP) and get referrals for specialists. An EPO (Exclusive Provider Organization) offers a network of doctors and hospitals, but usually won't cover out-of-network care except in emergencies, and typically doesn't require a PCP referral. A PPO (Preferred Provider Organization) provides the most flexibility, allowing you to see any doctor or specialist without a referral, though you'll pay less for in-network providers. PPO plans are available on-exchange in Colorado.