Is Select Health available on Connect for Health Colorado?

Yes, Select Health is one of six confirmed carriers offering plans on Connect for Health Colorado for residents in Rating Area 1, which includes Centennial, Adams, Broomfield, Denver, Douglas, and Jefferson counties in 2026.

What types of plans does Select Health offer in Centennial?

In Colorado, marketplace shoppers in Centennial can choose from HMO, EPO, and PPO plans. Select Health typically offers a range of these plan types, including various metal tiers (Bronze, Silver, Gold, Platinum) to suit different coverage needs and budgets.

Can I get financial help to pay for a Select Health plan in Centennial?

Yes, if your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits (subsidies) to lower your monthly premiums. Those with incomes up to 250% FPL may also qualify for cost-sharing reductions (CSRs) on Silver plans, which reduce out-of-pocket costs like deductibles and copays.

How does Centennial's uninsured rate compare to the rest of Arapahoe County?

Centennial has a significantly lower uninsured rate than its parent county. According to U.S. Census Bureau ACS 2024 5-year estimates, Centennial's uninsured rate is 3.8%, compared to Arapahoe County's rate of 9.3%. This suggests a higher proportion of residents in Centennial have health coverage.

Select Health Insurance Plans in Centennial, Colorado

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

Select Health is one of 6 carriers offering marketplace plans in Centennial's Rating Area 1 for 2026.
Centennial residents can enroll in Select Health plans through Connect for Health Colorado, the state's official marketplace.
Financial assistance, including premium tax credits and cost-sharing reductions, is available to eligible individuals and families based on income up to 400% FPL.
Colorado offers a full range of plan types, including HMO, EPO, and PPO options on-exchange.
Centennial, with a population of 108,201, has an uninsured rate of 3.8%, significantly lower than Arapahoe County's 9.3% uninsured rate.

Navigating health insurance options in Centennial, Colorado, involves understanding your choices through Connect for Health Colorado, the state-based marketplace. If you are seeking health coverage from Select Health, you'll find their plans available in Centennial for the 2026 plan year. As a resident of Centennial, which is part of Colorado Rating Area 1, you have access to a variety of plans, including HMO, EPO, and PPO structures, many of which are eligible for financial assistance. The key to finding the right Select Health plan is to compare coverage levels, network options, and your potential subsidy eligibility based on your household income.

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What Select Health Plans Are Available in Centennial?

For 2026, Select Health offers individual and family health insurance plans in Centennial through Connect for Health Colorado. Residents can choose from various plan metal tiers, including Bronze, Silver, Gold, and potentially Platinum, each designed to balance monthly premiums with out-of-pocket costs. Bronze plans typically have lower premiums but higher deductibles, suitable for those who anticipate minimal medical care. Silver plans offer a moderate balance and are the only plans eligible for cost-sharing reductions (CSRs) for qualifying individuals. Gold and Platinum plans feature higher premiums but lower out-of-pocket costs, ideal for those who expect more frequent medical services. Centennial is situated in Arapahoe County and falls within Colorado Rating Area 1, which also covers Adams, Broomfield, Denver, Douglas, and Jefferson counties. This means that plans offered by Select Health, and other carriers in this rating area, are designed to serve this broader Denver metro region. When selecting a plan, it's important to consider the provider network, especially if you have preferred doctors or hospitals. Major hospital systems serving Arapahoe County include Hca-healthone DBA Swedish Medical Center in Englewood, The Medical Center of Aurora & South Hospital in Aurora, and Adventhealth Littleton in Littleton.

Can I Get Financial Assistance for Select Health Plans in Colorado?

Yes, Colorado residents, including those in Centennial, may be eligible for significant financial assistance to make health insurance more affordable. This assistance comes primarily in two forms:

Premium Tax Credits (Subsidies): These credits reduce your monthly premium payments. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families with incomes between 100% and 400% FPL typically qualify for these subsidies.
Cost-Sharing Reductions (CSRs): These are additional subsidies that reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available for Silver-tier plans and are typically for those with incomes up to 250% FPL. Choosing a Silver plan if you qualify for CSRs can significantly lower your total healthcare expenses.

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, low-cost or no-cost health coverage through Health First Colorado. This is an important consideration for individuals and families with lower incomes in Centennial. For pregnant women, Health First Colorado and Child Health Plan Plus (CHP+) offer coverage up to 195% FPL, and children are covered through CHP+ up to 260% FPL.

Understanding Your Health Coverage Options in Centennial

When comparing Select Health plans or any other carrier's offerings in Centennial, consider the following factors:

Plan Type: Colorado's marketplace offers HMO, EPO, and PPO plans. HMOs (Health Maintenance Organizations) typically require you to choose a primary care provider (PCP) and get referrals for specialists, usually limiting coverage to in-network providers. EPOs (Exclusive Provider Organizations) offer a network of providers but generally don't require referrals, and out-of-network care is typically not covered. PPOs (Preferred Provider Organizations) offer more flexibility, allowing you to see out-of-network providers, though at a higher cost.
Provider Network: Check if your preferred doctors, specialists, and hospitals are included in Select Health's network. This is crucial for continuity of care and avoiding unexpected out-of-network costs.
Prescription Drug Coverage: Review the plan's formulary to ensure your necessary medications are covered and understand the associated costs.
Deductibles, Copays, and Coinsurance: Understand how much you'll pay out-of-pocket before your insurance starts covering costs, and what your share will be for doctor visits and services.

Centennial, Colorado, with a population of 108,201 and a median income of $131,928 per U.S. Census Bureau ACS 2024 5-year estimates, demonstrates a strong community with a low uninsured rate of 3.8%. This is notably lower than the 9.3% uninsured rate for Arapahoe County as a whole, indicating that most residents in Centennial have access to and utilize health coverage options like those offered by Select Health.

Health Insurance Carriers in Centennial

In 2026, 6 carriers offer marketplace plans in Colorado Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. Centennial residents can choose from the following confirmed carriers:

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

This selection provides a competitive market for health insurance, allowing consumers to compare plans, networks, and prices across multiple providers to find the best fit for their individual or family needs.

Making Your Health Insurance Decision in Centennial

Choosing the right health insurance plan, especially from a specific carrier like Select Health, involves evaluating your personal health needs, financial situation, and preferred providers.

If your income is below 138% FPL: You likely qualify for Health First Colorado (Medicaid), offering comprehensive coverage at little to no cost.
If your income is 100%–400% FPL: You are eligible for premium tax credits through Connect for Health Colorado, which can significantly lower your monthly premiums for Select Health plans.
If your income is 100%–250% FPL: Consider a Silver-tier plan from Select Health to take advantage of cost-sharing reductions, which reduce your out-of-pocket expenses.
If you have specific doctors or hospitals: Verify that they are in-network with the Select Health plan you are considering.

A licensed health insurance producer can provide personalized guidance, helping you understand your options, compare plans, and enroll in a Select Health plan that meets your unique requirements. This service is free to you.

Frequently Asked Questions

Is Select Health considered a good insurance company?

Select Health is a reputable health insurance carrier that offers a variety of plans on the Connect for Health Colorado marketplace. The "best" company depends on individual needs, including specific doctors, prescription coverage, and budget. It's always recommended to compare plan details, benefits, and network access when making a decision.

What is Connect for Health Colorado?

Connect for Health Colorado is Colorado's official state-based health insurance marketplace. It's where individuals and families can compare health plans from various carriers, including Select Health, and apply for financial assistance like premium tax credits and cost-sharing reductions, to make coverage more affordable.

Can I enroll in a Select Health plan outside of Open Enrollment?

Generally, you can only enroll in a health insurance plan during the annual Open Enrollment Period. However, if you experience a Qualifying Life Event (QLE) such as marriage, birth of a child, loss of other coverage, or moving to a new area, you may be eligible for a Special Enrollment Period (SEP). This allows you to enroll in a new plan, including those from Select Health, outside of the standard enrollment window.

How does the poverty rate in Centennial compare to Arapahoe County?

Centennial has a significantly lower poverty rate compared to Arapahoe County. According to U.S. Census Bureau ACS 2024 5-year estimates, Centennial's poverty rate is 3.3%, while Arapahoe County's poverty rate is 8.6%. These figures highlight the economic differences within the county and can influence health insurance affordability and eligibility for assistance programs.