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

Select Health Insurance Plans in Broomfield County, Colorado

Select Health is one of 6 carriers offering marketplace plans in Broomfield County's Rating Area 1 for 2026.
Colorado's marketplace, Connect for Health Colorado, offers HMO, EPO, and PPO plans, including PPO options from Select Health and others.
Broomfield County has a low uninsured rate of 4.4% and a median income of $123,874, per U.S. Census Bureau ACS 2024 5-year estimates.
Adults in Colorado with income up to 138% FPL may qualify for Health First Colorado (Medicaid), while pregnant women and children may qualify for CHP+ up to 195% FPL and 260% FPL, respectively.

Navigating health insurance options in Broomfield County, Colorado, involves understanding both state-specific rules and local provider networks. If you're considering Select Health for your coverage needs, it's important to know how their plans fit into the broader landscape of the Colorado marketplace. Select Health is one of several carriers providing health plans through Connect for Health Colorado, the state's official health insurance exchange. This article will guide you through the specifics of Select Health coverage in Broomfield County, including plan types, subsidy eligibility, and how to enroll for the 2026 plan year.

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What Are Your Select Health Plan Options in Broomfield County?

In Broomfield County, residents have access to a variety of health plan structures through Connect for Health Colorado, including those offered by Select Health. Colorado's marketplace is unique because it offers a full range of plan types: Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans are all available on-exchange. This means that marketplace shoppers in Broomfield County can choose a plan based on their preference for network flexibility, primary care physician requirements, and referral needs. Select Health, like other carriers in the region, structures its plans across different metal tiers: Bronze, Silver, Gold, and Platinum. Each tier represents a different balance between monthly premiums and out-of-pocket costs when you need care.

Bronze plans typically have the lowest monthly premiums but high deductibles, making them suitable for those who want protection against catastrophic medical costs.
Silver plans offer moderate premiums and deductibles. They are particularly valuable for individuals and families who qualify for cost-sharing reductions (CSRs), which can significantly lower out-of-pocket expenses.
Gold plans come with higher monthly premiums but lower deductibles and out-of-pocket maximums, providing more predictable costs for those who anticipate needing regular medical care.
Platinum plans have the highest premiums but the lowest out-of-pocket costs, covering a significant portion of medical expenses.

When choosing a Select Health plan, consider your expected healthcare usage, your budget for monthly premiums, and your comfort level with potential out-of-pocket expenses.

How Do Subsidies Affect Select Health Plan Costs in Broomfield County?

Affording health insurance is a primary concern for many residents. Fortunately, financial assistance is available through Connect for Health Colorado. This assistance comes in the form of premium tax credits and, for eligible individuals, cost-sharing reductions.

Premium Tax Credits (Subsidies)

Premium tax credits can significantly lower your monthly health insurance premiums. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). In Colorado, individuals and families with incomes between 100% and 400% of the FPL may qualify for these credits. For example, a single person earning up to $60,240 annually or a family of four earning up to $124,800 annually (based on 2024 FPL for 2025 plans) could receive subsidies to reduce their monthly premium for a Select Health plan.

Cost-Sharing Reductions (CSRs)

Cost-sharing reductions further reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are designed for individuals and families with incomes up to 250% of the FPL. If you qualify for CSRs, your Silver plan will provide enhanced benefits, effectively acting like a Gold or Platinum plan at a Silver plan price. This makes Silver plans a highly attractive option for eligible Broomfield County residents.

Medicaid and CHIP Eligibility in Colorado

For residents of Broomfield County who have lower incomes, Colorado has expanded its Medicaid program, known as Health First Colorado. Adults with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive health coverage at little to no cost. This expansion ensures that many individuals who might otherwise be uninsured have access to essential healthcare services. Additionally, Colorado's Child Health Plan Plus (CHP+) provides coverage for pregnant women and children. Pregnant women with household incomes up to 195% FPL can receive comprehensive prenatal, delivery, and postpartum care through CHP+. Children in households up to 260% FPL may also qualify for CHP+. Applications for these programs can be submitted through Colorado PEAK (colorado.gov/PEAK).

Health Insurance Carriers in Broomfield County

Broomfield County is part of Colorado Rating Area 1, which also covers Adams, Arapahoe, Denver, Douglas, and Jefferson counties. In 2026, 6 carriers offer marketplace plans in Rating Area 1, providing a competitive environment and a range of choices for residents. Select Health is one of these confirmed carriers. The full list of confirmed-local carriers for Broomfield County's Rating Area 1 in 2026 includes:

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

This diverse selection allows residents to compare plans not only by metal tier and premium but also by provider network, specific benefits, and customer service ratings. Broomfield County, with a population of 76,304 and a median income of $123,874, also has a remarkably low uninsured rate of 4.4% and a poverty rate of 6.2%, per U.S. Census Bureau ACS 2024 5-year estimates. The county is served by Centura Health-st Anthony North Health Campus (Westminster) as its acute care hospital, providing local healthcare access.

Making Your Health Plan Decision in Broomfield County

Choosing the right health insurance plan, whether from Select Health or another carrier, depends on your individual circumstances. Consider these factors when making your decision:

Income Level: If your income is below 138% FPL, explore Health First Colorado (Medicaid). If it's between 100% and 400% FPL, you're likely eligible for premium tax credits.
Health Needs: If you anticipate frequent doctor visits or have chronic conditions, a Gold or Platinum plan with lower out-of-pocket costs might be more economical in the long run. If you rarely visit the doctor, a Bronze plan might suffice for catastrophic coverage.
Provider Network: Check if your preferred doctors, specialists, and hospitals (like Centura Health-st Anthony North Health Campus) are in-network with the Select Health plan you are considering. HMO and EPO plans have more restrictive networks than PPO plans.
Prescription Drugs: Review the plan's formulary to ensure your necessary medications are covered and understand their cost-sharing structure.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health and other carriers, determine your subsidy eligibility, and enroll in a plan that best fits your needs and budget. This service is typically free to you.

Frequently Asked Questions

What types of health insurance plans does Select Health offer in Broomfield County?

In Colorado, Select Health, along with other carriers, offers health insurance plans through Connect for Health Colorado, the state's marketplace. These plans typically include Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) structures, allowing consumers to choose based on their preferred network flexibility and cost structure.

Can I get a subsidy for a Select Health plan in Broomfield County?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions to lower the cost of a Select Health plan obtained through Connect for Health Colorado. For example, a single person earning up to $60,240 annually or a family of four earning up to $124,800 annually (400% FPL in 2024) could be eligible for significant savings.

How do I enroll in a Select Health plan in Broomfield County?

Enrollment for Select Health plans in Broomfield County typically occurs during the annual Open Enrollment Period through Connect for Health Colorado. If you experience a qualifying life event such as marriage, birth of a child, or loss of other coverage, you may be eligible for a Special Enrollment Period. You can apply directly on the Connect for Health Colorado website or work with a licensed health insurance producer for free assistance.