Select Health Health Insurance Plans in Boulder, Colorado
- In 2026, Select Health is one of 6 carriers offering marketplace plans in Boulder's Rating Area 2.
- Boulder residents with incomes up to 400% FPL may qualify for significant premium subsidies through Connect for Health Colorado.
- Colorado's Medicaid program, Health First Colorado, covers adults with incomes up to 138% FPL.
- Boulder County has 5 acute care hospitals, including Boulder Community Health, available through various network plans.
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What Types of Select Health Plans Are Available in Boulder?
Select Health, like other carriers in Colorado, offers plans across different metal tiers and network types through Connect for Health Colorado. In 2026, marketplace shoppers in Boulder can choose from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are available on-exchange in Colorado, providing greater flexibility in choosing healthcare providers, often without a referral for specialists. Metal tiers (Bronze, Silver, Gold, Platinum) indicate how costs are split between you and your plan:- Bronze Plans: These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are designed for individuals who primarily want protection against catastrophic medical costs.
- Silver Plans: Silver plans offer a balance between premiums and out-of-pocket costs. They are particularly valuable for individuals and families who qualify for Cost-Sharing Reductions (CSRs), which can significantly lower deductibles, copayments, and coinsurance.
- Gold and Platinum Plans: These tiers feature higher monthly premiums but lower deductibles and out-of-pocket maximums, meaning the plan pays a larger share of your medical costs. They are suitable for those who anticipate needing frequent medical care.
Understanding Subsidies and Financial Assistance in Boulder
Many Boulder residents can receive financial assistance to make health insurance more affordable. Connect for Health Colorado provides premium tax credits (subsidies) and Cost-Sharing Reductions (CSRs).Premium Tax Credits: These subsidies lower your monthly premium payment. Eligibility is based on household income relative to the Federal Poverty Level (FPL). In Colorado, individuals and families with incomes between 100% and 400% FPL may qualify for these credits, which are paid directly to your insurer.
Cost-Sharing Reductions (CSRs): Available only with Silver plans, CSRs reduce the amount you pay for deductibles, copayments, and coinsurance. To qualify, your income must be between 100% and 250% FPL. CSRs can make a Silver plan provide coverage comparable to a Gold or even Platinum plan at a lower overall cost.
Colorado's Medicaid program, known as Health First Colorado, also provides comprehensive, low-cost health coverage for eligible residents. Adults with household income up to 138% FPL may qualify. Additionally, Colorado's Child Health Plan Plus (CHP+) covers pregnant women with income up to 195% FPL and children in households up to 260% FPL, offering vital support for families in Boulder.
Health Insurance Carriers in Boulder
In 2026, 6 carriers offer marketplace plans in Rating Area 2, which includes Boulder County. These carriers provide a variety of options for residents seeking individual and family health insurance through Connect for Health Colorado. Select Health is one of these active participants, ensuring a competitive market with diverse plan choices. The confirmed carriers for Boulder's Rating Area 2 for the 2026 plan year are:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
How to Choose the Right Select Health Plan in Boulder
Selecting the ideal health insurance plan involves assessing your healthcare needs, budget, and access to providers. Here are key considerations when looking at Select Health or any other carrier's plans in Boulder:- Provider Network: Check if your current doctors and preferred hospitals (like Boulder Community Health) are in the plan's network. HMOs and EPOs typically have more restricted networks than PPOs.
- Prescription Drug Coverage: Review the plan's formulary to ensure your necessary medications are covered and understand their cost tier.
- Cost-Sharing: Compare deductibles, copayments, coinsurance, and out-of-pocket maximums across different metal tiers. If you qualify for CSRs, a Silver plan may offer the best value.
- Anticipated Healthcare Needs: If you expect frequent doctor visits or have chronic conditions, a Gold or Platinum plan might save you money in the long run despite higher premiums. If you're generally healthy, a Bronze or high-deductible Silver plan might be more suitable.
- Preventive Care: All plans on Connect for Health Colorado cover essential health benefits, including preventive care, at no extra cost.
Frequently Asked Questions
Can I get a PPO plan from Select Health in Boulder?
Yes, Colorado's marketplace, Connect for Health Colorado, offers a range of plan types, including PPOs. Select Health may offer PPO plans in Boulder, alongside HMO and EPO options, depending on their specific offerings for the 2026 plan year. It's important to review plan details to confirm the network type.
What is the income limit for Health First Colorado (Medicaid) in Boulder?
In Colorado, adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado (Colorado's Medicaid program). For pregnant women, the income limit for Child Health Plan Plus (CHP+) is 195% FPL, and for children, it's 260% FPL.
How do I apply for health insurance with Select Health in Boulder?
You can apply for Select Health plans through Connect for Health Colorado, the state's official health insurance marketplace. During open enrollment or a special enrollment period, you can compare plans, check eligibility for subsidies, and enroll. A licensed health insurance producer can also assist you with the application process at no additional cost.
What is the uninsured rate in Boulder, Colorado?
According to U.S. Census Bureau ACS 2024 5-year estimates, the uninsured rate in Boulder, Colorado, is 3.4%. This is notably lower than the state average, reflecting strong access to coverage options including employer-sponsored plans, marketplace plans, and Medicaid.