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

Select Health Health Insurance in Berthoud, Colorado

Select Health is one of 6 confirmed carriers offering health insurance plans on Connect for Health Colorado in Rating Area 3 (Berthoud) for the 2026 plan year.
Berthoud's uninsured rate is 4.8%, lower than Larimer County's 5.6%, per U.S. Census Bureau ACS 2024 5-year estimates.
Colorado's Medicaid program, Health First Colorado, covers adults with income up to 138% of the Federal Poverty Level (FPL).
Marketplace plans in Colorado include HMO, EPO, and PPO options, allowing for diverse network choices.

Navigating health insurance options in Berthoud, Colorado, involves understanding your choices through the state's marketplace, Connect for Health Colorado. For 2026, residents of Berthoud have access to plans from Select Health, alongside five other carriers. These plans are structured under the Affordable Care Act (ACA), offering comprehensive benefits and financial assistance based on income. Whether you're seeking individual coverage, family plans, or exploring options after a life change, understanding how Select Health fits into the local market is crucial. This guide will help you explore Select Health's presence in Berthoud, detail other available carriers, and outline key considerations for securing coverage.

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What Health Insurance Options Are Available in Berthoud?

Berthoud, located in Larimer County, is part of Colorado Rating Area 3 for health insurance purposes. This means that all marketplace plans offered in Berthoud fall under the same pricing and carrier availability as other areas within this rating area. For the 2026 plan year, residents have a robust selection of health insurance carriers and plan types available through Connect for Health Colorado, the state-based marketplace. In 2026, 6 carriers offer marketplace plans in Rating Area 3, providing a range of choices for individuals and families. These carriers include:

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

These carriers offer various plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Colorado is one of the states where PPO plans are available on-exchange, giving consumers more flexibility in choosing their doctors and hospitals compared to states that primarily offer HMO/EPO options. Berthoud, Colorado, with a population of 12,411 and a median age of 39.3 years, offers residents access to a competitive health insurance market.

Understanding Select Health Plans in Colorado

Select Health is one of the key providers in Colorado's health insurance marketplace, offering plans to residents in Berthoud and across Rating Area 3. As an ACA-compliant carrier, Select Health's plans cover essential health benefits, including doctor visits, hospital care, prescription drugs, mental health services, and maternity care. When considering a Select Health plan, it's important to look at several factors:

Network Type: Understand whether the plan is an HMO, EPO, or PPO and how this affects your choice of doctors and specialists. HMOs typically require you to choose a primary care provider (PCP) and get referrals for specialists, while PPOs offer more flexibility without referrals, often at a higher cost.
Cost Sharing: Review deductibles, copayments, and coinsurance amounts. These are the costs you pay out-of-pocket before your insurance begins to cover 100% of your medical expenses (up to your out-of-pocket maximum).
Prescription Drug Coverage: Check the formulary to ensure your necessary medications are covered and at what tier.
Subsidy Eligibility: Many Berthoud residents may qualify for premium tax credits (subsidies) that lower monthly premiums and cost-sharing reductions (CSRs) that reduce deductibles and copays. These are available through Connect for Health Colorado.

Larimer County, the parent county for Berthoud, has a population of 367,368 and a median income of $93,765, per U.S. Census Bureau ACS 2024 5-year estimates. The county is served by four acute care hospitals: Poudre Valley Hospital and Banner Fort Collins Medical Center in Fort Collins, and Banner North Co Medical Center - Loveland Campus and Medical Center of the Rockies in Loveland. These facilities are important considerations when evaluating a plan's network coverage.

Financial Assistance and Medicaid in Colorado

Many Berthoud residents can significantly reduce their health insurance costs through financial assistance programs available via Connect for Health Colorado. These subsidies are designed to make coverage more affordable and are based on your household income and family size relative to the Federal Poverty Level (FPL).

Premium Tax Credits (Subsidies)

Premium tax credits can be applied directly to your monthly premium, lowering the amount you pay out-of-pocket. Eligibility typically extends to individuals and families earning between 100% and 400% of the FPL. For example, a single individual earning up to approximately $60,240 in 2026 (400% FPL) may qualify for assistance.

Cost-Sharing Reductions (CSRs)

If your income is between 100% and 250% of the FPL, you may also qualify for Cost-Sharing Reductions (CSRs). These subsidies reduce your deductible, copayments, and out-of-pocket maximums, making healthcare services more affordable when you need them. CSRs are only available if you enroll in a Silver-tier plan.

Medicaid (Health First Colorado)

Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage at little to no cost. This is a crucial safety net for many low-income residents, ensuring they have access to necessary medical care without falling into a "coverage gap." Special programs also exist for specific populations:

Pregnant Women: Colorado's Child Health Plan Plus (CHP+) covers pregnant women with income up to 195% FPL, providing comprehensive prenatal, delivery, and postpartum care. Those at or below 138% FPL qualify for Health First Colorado first.
Children: CHP+ also covers children in households up to 260% FPL.

Applications for Health First Colorado and CHP+ can be made through Colorado PEAK (colorado.gov/PEAK).

How to Choose the Right Plan in Berthoud

Choosing the right health insurance plan requires evaluating your healthcare needs, budget, and desired level of flexibility. Here's a step-by-step approach:

Assess Your Needs: Consider how often you visit the doctor, whether you have ongoing prescriptions, and if you have preferred doctors or specialists. If you anticipate frequent medical care, a plan with lower deductibles and copays might be more suitable, even if the monthly premium is higher.
Compare Carriers and Networks: Review the networks of Select Health and the other 5 carriers (Cigna, Denver Health Medical Plan, HMO Colorado, Kaiser Permanente, United Healthcare) available in Berthoud. Ensure your preferred doctors, specialists, and hospitals, such as Poudre Valley Hospital, are included in the plan's network.
Understand Plan Tiers: ACA plans are categorized into metal tiers (Bronze, Silver, Gold, Platinum) based on how costs are split between you and the insurance company.
- Bronze: Low premiums, high deductibles. Best for those who expect minimal healthcare use.
- Silver: Moderate premiums and deductibles. The only tier eligible for Cost-Sharing Reductions. A good balance for many.
- Gold: High premiums, low deductibles. Suitable if you expect to use a lot of medical services.
Calculate Total Costs: Don't just look at the premium. Factor in the deductible, copayments, coinsurance, and out-of-pocket maximum to estimate your total potential costs for the year.
Utilize Subsidies: If eligible, apply for premium tax credits and cost-sharing reductions through Connect for Health Colorado to significantly lower your expenses.

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 3, which includes Berthoud, for the 2026 plan year. You can compare their plans with other options directly through the state marketplace or with assistance from a licensed agent.

What types of plans does Select Health offer in Berthoud?

In Colorado, marketplace carriers like Select Health offer a variety of plan types, including HMO, EPO, and PPO plans. The specific types and networks available from Select Health will depend on the plan design they offer in Rating Area 3. You can review plan details during enrollment to understand the network structure.

What are the income limits for Medicaid in Colorado?

Colorado expanded Medicaid (Health First Colorado) in 2014. Adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Medicaid with little to no cost. For a single individual, this is approximately $20,782 per year in 2026. Higher thresholds apply for pregnant women (up to 195% FPL) and children (up to 260% FPL) through Child Health Plan Plus (CHP+).

What is the uninsured rate in Berthoud, Colorado?

According to U.S. Census Bureau ACS 2024 5-year estimates, Berthoud has an uninsured rate of 4.8%. This is lower than the broader Larimer County uninsured rate of 5.6%.

Are PPO plans available on Connect for Health Colorado in Berthoud?

Yes, PPO plans are available on-exchange through Connect for Health Colorado in Berthoud's Rating Area 3. Several carriers, including Denver Health Medical Plan and HMO Colorado, offer PPO options, providing consumers with more flexibility in choosing healthcare providers compared to states that offer only HMO or EPO plans on their marketplaces.