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

Select Health Health Insurance in Basalt, Colorado

In 2026, 6 carriers, including Select Health, offer marketplace health plans in Basalt's Rating Area 7.
Colorado's marketplace, Connect for Health Colorado, offers HMO, EPO, and PPO plan types to Basalt residents.
Individuals and families in Basalt with incomes up to 400% FPL may qualify for significant premium subsidies.
Health First Colorado (Medicaid) is available to adults up to 138% FPL, and pregnant women up to 195% FPL via CHP+.

For Basalt residents seeking health insurance, Select Health is one of several carriers offering plans through Connect for Health Colorado, the state's official health insurance marketplace. As part of Eagle County, Basalt falls within Colorado Rating Area 7, which means plan availability and pricing are specific to this multi-county region. Whether you're looking for individual or family coverage, understanding your options from Select Health and other providers is crucial. Colorado's expanded Medicaid program, Health First Colorado, also provides a safety net for many residents with lower incomes, ensuring access to essential care.

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What Health Insurance Options Are Available in Basalt?

Residents of Basalt, Colorado, have access to a range of health insurance options, primarily through Connect for Health Colorado. This state-based marketplace allows individuals and families to compare plans, apply for financial assistance, and enroll in coverage. In Colorado, marketplace plans include Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) structures, offering flexibility in choosing doctors and hospitals. PPO plans are available on-exchange in Colorado, so Basalt shoppers are not restricted to HMO or EPO options only. Beyond the marketplace, options like employer-sponsored plans, Medicare, and Health First Colorado (Medicaid) also serve the community.

Understanding Select Health Plans in Basalt

Select Health is one of the confirmed carriers offering plans in Basalt's Rating Area 7 through Connect for Health Colorado. When considering a Select Health plan, you'll find various metallic tiers: Bronze, Silver, Gold, and Platinum. These tiers categorize plans by how they split costs with you:

Bronze plans: Typically have the lowest monthly premiums but the highest out-of-pocket costs, covering about 60% of medical expenses. They are best for those who anticipate minimal medical care.
Silver plans: Offer a balance of monthly premiums and out-of-pocket costs, covering about 70% of medical expenses. They are particularly valuable for individuals and families who qualify for cost-sharing reductions (CSRs), which can significantly lower deductibles, copayments, and out-of-pocket maximums for those with incomes up to 250% FPL.
Gold plans: Feature higher monthly premiums but lower out-of-pocket costs, covering about 80% of medical expenses. These are suitable for those who expect to use medical services frequently.
Platinum plans: Have the highest monthly premiums but the lowest out-of-pocket costs, covering about 90% of medical expenses. They are ideal for individuals who prefer predictability in their healthcare spending.

It is important to review the specific plan details, including network providers and prescription drug coverage, to ensure it meets your individual healthcare needs in Basalt.

Who Qualifies for Financial Assistance in Basalt?

Many Basalt residents can receive financial assistance to make health insurance more affordable. This assistance is available through Connect for Health Colorado in two main forms:

Premium Tax Credits (Subsidies): These reduce your monthly premium payments. Eligibility is based on household income, typically for those earning between 100% and 400% of the Federal Poverty Level (FPL).
Cost-Sharing Reductions (CSRs): These lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are available to individuals and families with incomes up to 250% FPL and are only applicable to Silver-tier plans.

Colorado expanded Medicaid in 2014, known as Health First Colorado. This program provides comprehensive, low-cost or no-cost health coverage for adults with household incomes up to 138% FPL. For pregnant women, Colorado's Child Health Plan Plus (CHP+) covers those with incomes up to 195% FPL, and children up to 260% FPL. Enrollment for these programs can be done through Colorado PEAK (colorado.gov/PEAK). Basalt, Colorado, is part of Colorado Rating Area 7, which covers Eagle, Grand, Jackson, Routt, Summit counties. This region, with Basalt's population of 4,335 and an uninsured rate of 7.5% per U.S. Census Bureau ACS 2024 5-year estimates, is served by Vail Health Hospital in Eagle County. Understanding the local healthcare landscape and your financial eligibility can help you choose the most suitable plan.

Health Insurance Carriers in Basalt

In 2026, 6 carriers offer marketplace plans in Rating Area 7, which includes Basalt, through Connect for Health Colorado. These carriers provide a variety of plan types (HMO, EPO, PPO) across different metallic tiers. The confirmed carriers for this rating area are:

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

When choosing a plan, it is advisable to check if your preferred doctors, specialists, and the local Vail Health Hospital are within the provider network of the plan you are considering.

Making Your Health Insurance Decision in Basalt

Choosing the right health insurance plan in Basalt depends on your specific needs, budget, and health status. 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 minimal to no cost. Pregnant women up to 195% FPL and children up to 260% FPL may qualify for CHP+.
If your income is between 100% and 400% FPL: You are eligible for premium tax credits (subsidies) to lower your monthly payments on plans from carriers like Select Health, Cigna, or Kaiser Permanente. Consider a Silver plan, especially if your income is below 250% FPL, to also benefit from cost-sharing reductions.
If your income is above 400% FPL: You may not qualify for subsidies but can still purchase a plan through Connect for Health Colorado or directly from a carrier. Focus on comparing the overall costs, including premiums, deductibles, and out-of-pocket maximums, across Bronze, Silver, and Gold plans.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health and other carriers, determine your eligibility for financial assistance, and complete the enrollment process at no additional cost.

Frequently Asked Questions

What types of health plans does Select Health offer in Basalt?

In Basalt, part of Colorado Rating Area 7, Select Health offers health plans through Connect for Health Colorado. These plans typically include HMO, EPO, and PPO options, providing various network structures and cost-sharing arrangements to suit different needs.

Can I get financial help to pay for Select Health plans in Basalt?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits (subsidies) through Connect for Health Colorado. These subsidies can significantly reduce your monthly premiums for Select Health or other marketplace plans. Cost-sharing reductions are also available for those with incomes up to 250% FPL to lower out-of-pocket costs.

Is Medicaid available in Basalt, Colorado?

Yes, Colorado expanded Medicaid in 2014. Residents of Basalt whose household income is at or below 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado, the state's Medicaid program, which offers comprehensive health coverage at little to no cost. Pregnant women may qualify up to 195% FPL via CHP+, and children up to 260% FPL.

How do I enroll in a Select Health plan in Basalt?

You can enroll in a Select Health plan during the annual Open Enrollment Period through Connect for Health Colorado. If you experience a qualifying life event outside of this period, such as losing other coverage, getting married, or having a baby, you may be eligible for a Special Enrollment Period. A licensed health insurance producer can help you navigate your options and complete the enrollment process at no cost to you.