Is Select Health available on Connect for Health Colorado?

Yes, Select Health is one of 6 carriers offering plans on Connect for Health Colorado in Rating Area 1, which includes Brighton and surrounding counties, for the 2026 plan year. You can enroll in a Select Health plan during open enrollment or through a special enrollment period if you qualify.

Can I get financial assistance for a Select Health plan in Brighton?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits (subsidies) to help reduce the cost of a Select Health plan purchased through Connect for Health Colorado. Individuals with income up to 138% FPL may qualify for Health First Colorado (Medicaid).

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

Select Health Insurance Plans in Brighton, Colorado

Q: What types of plans does Select Health offer in Brighton, Colorado?

In Brighton, Select Health typically offers a range of Affordable Care Act (ACA) compliant plans, which can include Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) options. The specific plan types and benefits will vary by the individual plan chosen and its metal tier (Bronze, Silver, Gold, or Platinum).

Select Health is one of 6 carriers offering individual and family health insurance plans in Brighton, Colorado, for the 2026 plan year.
Brighton is located in Colorado Rating Area 1, which also includes Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties.
Colorado's marketplace, Connect for Health Colorado, offers PPO, HMO, and EPO plans, including options from Select Health.
Financial assistance in the form of premium tax credits is available for eligible households earning between 100% and 400% of the Federal Poverty Level (FPL).
Brighton's uninsured rate is 10.1%, slightly lower than Adams County's 11.6%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Brighton, Colorado, can be streamlined by understanding the local marketplace and available carriers like Select Health. Residents of Brighton have access to a variety of individual and family health insurance plans through Connect for Health Colorado, the state's official health insurance marketplace. Select Health is one of the confirmed carriers in Rating Area 1, which serves Brighton and several other Front Range counties. These plans are Affordable Care Act (ACA) compliant, meaning they cover essential health benefits and cannot deny coverage based on pre-existing conditions.

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What Select Health Plans Are Available in Brighton, Colorado?

As a resident of Brighton, you can typically find a range of health insurance plans from Select Health on Connect for Health Colorado. These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, each offering different levels of cost-sharing.

Bronze plans: Offer lower monthly premiums but come with higher deductibles and out-of-pocket costs, suitable for those who anticipate needing less medical care.
Silver plans: Provide a balance between premiums and out-of-pocket costs. Crucially, if you qualify for cost-sharing reductions (CSRs) based on your income, these benefits are only applied to Silver plans, making them significantly more affordable.
Gold plans: Have higher monthly premiums but lower deductibles and out-of-pocket costs, ideal for individuals or families expecting more frequent medical services.

Colorado's marketplace offers Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans ARE available on-exchange in Colorado, giving Brighton residents more flexibility in choosing their doctors and specialists compared to states where only HMOs and EPOs are offered on the marketplace.

Understanding Health Insurance Subsidies in Brighton

Financial assistance is a key component of making health insurance affordable in Brighton. Through Connect for Health Colorado, eligible individuals and families can receive premium tax credits and cost-sharing reductions to lower their healthcare expenses.

Premium Tax Credits (Subsidies): These reduce your monthly premium payment. Eligibility is based on household income, typically for those earning between 100% and 400% of the Federal Poverty Level (FPL). For example, a single individual in Brighton with an income of $35,000 might receive a substantial tax credit.
Cost-Sharing Reductions (CSRs): These reduce the amount you pay out-of-pocket for deductibles, copayments, and coinsurance. CSRs are available to individuals and families earning up to 250% FPL and are only applied to Silver-tier plans.

Brighton, part of Adams County, has a median household income of $107,679, per U.S. Census Bureau ACS 2024 5-year estimates. While this is higher than the Adams County median of $94,571, many residents may still qualify for significant financial assistance depending on their specific household income and size.

Health First Colorado (Medicaid) and CHP+ Eligibility in Brighton

Colorado has expanded its Medicaid program, known as Health First Colorado, making coverage accessible to more residents. Adults in Brighton with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado, providing comprehensive health benefits at little to no cost. For families, Colorado also offers the Child Health Plan Plus (CHP+), which covers children in households up to 260% FPL. Pregnant women in Brighton with incomes up to 195% FPL can also qualify for CHP+ for comprehensive prenatal, delivery, and postpartum care. Those at or below 138% FPL would first qualify for Health First Colorado. Applications for these programs can be submitted through Colorado PEAK at colorado.gov/PEAK.

Health Insurance Carriers in Brighton

Brighton is located in Colorado Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. This multi-county rating area ensures a competitive marketplace with several carrier options. In 2026, 6 carriers offer marketplace plans in Rating Area 1:

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

When considering a Select Health plan, it is important to review their specific network of doctors and hospitals to ensure your preferred providers are included. Intermountain Health Platte Valley Hospital in Brighton is a significant local acute care facility, and residents should confirm its inclusion in any chosen plan's network. Other major hospitals in Adams County include University of Colorado Hospital Authority (Aurora) and HCA Healthone Mountain Ridge (Thornton), as well as Children's Hospital Colorado (Aurora).

Choosing the Right Select Health Plan in Brighton

Selecting the best health insurance plan involves evaluating your healthcare needs, budget, and preferred providers. Here's a guide to help Brighton residents make an informed decision:

Assess Your Healthcare Usage: If you expect frequent doctor visits or have ongoing medical conditions, a Gold or Silver plan with lower deductibles and out-of-pocket costs might be more cost-effective, especially if you qualify for CSRs on a Silver plan. If you are generally healthy and only anticipate needing care for emergencies, a Bronze plan with lower premiums might be suitable.
Check Provider Networks: Confirm that your current doctors, specialists, and preferred hospitals, such as Intermountain Health Platte Valley Hospital, are in Select Health's network for the plan you are considering.
Consider Total Costs: Look beyond just the monthly premium. Factor in the deductible, copayments, coinsurance, and the out-of-pocket maximum. A plan with a higher premium but lower out-of-pocket costs could save you money in the long run if you use a lot of medical services.
Utilize Connect for Health Colorado: This is the official marketplace where you can compare plans side-by-side, determine your eligibility for financial assistance, and enroll in coverage.

The city of Brighton, with a population of 42,059 and an uninsured rate of 10.1% per U.S. Census Bureau ACS 2024 5-year estimates, offers a robust selection of health insurance options for its residents. Its location in Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties, provides access to 6 confirmed carriers, including Select Health, ensuring competitive choices for health coverage.

Frequently Asked Questions

Is Brighton in a state-based marketplace?

Yes, Brighton, Colorado, is served by Connect for Health Colorado, which is a state-based marketplace (SBM). This means Colorado operates its own health insurance exchange, rather than using the federal HealthCare.gov platform.

What is the uninsured rate in Brighton, Colorado?

According to U.S. Census Bureau ACS 2024 5-year estimates, Brighton has an uninsured rate of 10.1%. This is slightly lower than the broader Adams County uninsured rate of 11.6%.

Can I get a PPO plan on Connect for Health Colorado in Brighton?

Yes, PPO plans are available on-exchange through Connect for Health Colorado for residents of Brighton. This provides more flexibility in choosing healthcare providers compared to states where only HMO or EPO plans are offered on the marketplace.