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

Select Health Health Insurance in Broomfield, Colorado

If you're a resident of Broomfield, Colorado, seeking health insurance coverage for 2026, you have several options through Connect for Health Colorado, the state's official health insurance marketplace. Select Health is one of the key carriers providing plans in your area, alongside other established insurers. Marketplace plans are designed to be affordable, with financial assistance available to most individuals and families based on income. Understanding the local market, including available carriers, plan types, and subsidy eligibility, is crucial for making an informed decision.

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What Health Insurance Options Are Available in Broomfield?

Residents of Broomfield, Colorado, can access comprehensive health insurance plans through Connect for Health Colorado. The marketplace offers a range of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Unlike some states, PPO plans are available on-exchange in Colorado, giving you more flexibility in choosing providers. These plans are categorized into metal tiers—Bronze, Silver, Gold, and Platinum—each offering a different balance of monthly premiums versus out-of-pocket costs. Choosing the right plan depends on your individual health needs, budget, and preferred access to healthcare services. Bronze plans typically have lower monthly 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 are the only tier eligible for cost-sharing reductions (CSRs), which lower deductibles, copayments, and coinsurance for eligible individuals. Gold and Platinum plans feature higher premiums but lower out-of-pocket costs, ideal for those who anticipate frequent medical care.

Understanding Financial Assistance in Broomfield

Many Broomfield residents qualify for financial assistance to make their health insurance premiums more affordable. These subsidies, known as Advance Premium Tax Credits (APTCs), are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). The amount of assistance you receive depends on your income, household size, and the cost of the benchmark Silver plan in your area. For those with lower incomes, specifically between 100% and 250% FPL, additional Cost-Sharing Reductions (CSRs) can significantly reduce deductibles, copayments, and out-of-pocket maximums. CSRs are only available with Silver plans. Colorado expanded Medicaid (Health First Colorado) in 2014, meaning adults with income up to 138% FPL may qualify for comprehensive, low-cost or no-cost coverage. This is a critical safety net, ensuring that low-income residents do not fall into a coverage gap. Pregnant women in Colorado may also qualify for coverage through Child Health Plan Plus (CHP+) if their income is up to 195% FPL.

Health Insurance Carriers in Broomfield

Broomfield is located within Colorado Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. In 2026, six carriers offer marketplace plans in Rating Area 1, providing a competitive selection for residents. Select Health is one of these carriers, offering various plan options. The confirmed carriers for Broomfield in 2026 include: When comparing plans, it is important to review each carrier's network of doctors, hospitals, and specialists to ensure your preferred providers are included. Broomfield County hosts Centura Health-st Anthony North Health Campus in Westminster, an acute care hospital that may be part of various carrier networks. Broomfield, Colorado, with a population of 76,304 and a median household income of $123,874, is part of a robust healthcare market. The city's uninsured rate stands at 4.4%, significantly lower than the national average, reflecting access to coverage through the state's expanded Medicaid program and competitive marketplace. These local conditions, combined with the comprehensive options on Connect for Health Colorado, make it easier for residents to find suitable health insurance.

Choosing the Right Plan: Next Steps for Broomfield Residents

Navigating health insurance options can feel complex, but understanding your personal situation can simplify the process. Here’s a guide to help you decide:
Your Situation Recommended Action Key Considerations
Low Income (below 138% FPL) Apply for Health First Colorado (Medicaid). You likely qualify for comprehensive, low-cost or no-cost coverage. Apply through Colorado PEAK (colorado.gov/PEAK).
Moderate Income (100% - 250% FPL) Explore Silver plans on Connect for Health Colorado. You're eligible for significant premium tax credits AND cost-sharing reductions, which lower your out-of-pocket costs.
Higher Income (250% - 400% FPL) Compare Bronze, Silver, and Gold plans on Connect for Health Colorado. You're eligible for premium tax credits. Consider your expected healthcare usage to balance premiums and deductibles.
High Income (above 400% FPL) Compare all metal tiers on Connect for Health Colorado. You may not qualify for subsidies but can still access ACA-compliant plans with guaranteed benefits. Consider off-marketplace options as well.
Pregnant or have Children Check eligibility for Child Health Plan Plus (CHP+). CHP+ covers pregnant women up to 195% FPL and children up to 260% FPL, offering comprehensive care.
A licensed health insurance producer can provide personalized guidance, help you compare plans from carriers like Select Health, and assist with the enrollment process at no additional cost. They can ensure you leverage all available subsidies and choose a plan that aligns with your specific needs in Broomfield.

Frequently Asked Questions

Can I get Select Health insurance through Connect for Health Colorado?
Yes, Select Health is one of six carriers offering plans on Connect for Health Colorado for residents in Broomfield and Rating Area 1 in 2026. You can compare their plans with others during Open Enrollment or a Special Enrollment Period.
What types of health insurance plans are available in Broomfield, Colorado?
In Broomfield, marketplace shoppers can choose from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are available on-exchange from carriers like Denver Health Medical Plan and HMO Colorado.
Am I eligible for Medicaid in Broomfield?
Colorado expanded Medicaid (Health First Colorado) in 2014. Adults in Broomfield with household income up to 138% of the Federal Poverty Level may qualify for comprehensive, low-cost or no-cost coverage. Pregnant women may qualify up to 195% FPL via Child Health Plan Plus (CHP+).
When can I enroll in a health insurance plan in Broomfield?
You can enroll during the annual Open Enrollment Period, which typically runs from November 1st to January 15th each year for coverage starting the following year. Outside of this window, you may qualify for a Special Enrollment Period if you experience a qualifying life event like marriage, birth, or losing other coverage.
How do I find out if I qualify for financial assistance for health insurance in Broomfield?
When you apply through Connect for Health Colorado, your income and household size are assessed to determine if you qualify for premium tax credits (subsidies) or cost-sharing reductions. Most Broomfield residents earning between 100% and 400% of the Federal Poverty Level qualify for significant assistance.

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