Select Health Insurance Plans in Chaffee County, Colorado
- Select Health is one of 6 carriers offering health insurance plans on Connect for Health Colorado in Chaffee County for the 2026 plan year.
- Chaffee County is part of Colorado Rating Area 9, which encompasses 29 counties, meaning plan availability and base rates are consistent across this region.
- Residents of Chaffee County may qualify for premium tax credits if their household income is between 100% and 400% of the Federal Poverty Level.
- Colorado's Health First Colorado (Medicaid) expanded in 2014, covering adults with incomes up to 138% FPL.
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What Health Insurance Options Does Select Health Offer in Chaffee County?
In Chaffee County, Select Health participates in Connect for Health Colorado, offering various plan types to consumers. Colorado's marketplace provides access to Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are available on-exchange in Colorado, offering more flexibility in choosing providers without a referral. Select Health's plans typically fall into different metallic tiers—Bronze, Silver, Gold, and sometimes Platinum—each designed with a different balance of monthly premium costs versus out-of-pocket expenses for care. Bronze plans have lower premiums and higher deductibles, suitable for those who anticipate minimal healthcare use, while Gold and Platinum plans offer higher premiums but lower out-of-pocket costs, ideal for individuals with more frequent medical needs.Understanding Your Eligibility and Subsidies in Chaffee County
Accessing affordable health insurance in Chaffee County, including plans from Select Health, is significantly aided by federal subsidies available through Connect for Health Colorado. Eligibility for these subsidies, known as premium tax credits, is primarily based on your household income relative to the Federal Poverty Level (FPL).| FPL Range | Approx. Income (Single, 2026 est.) | Assistance Type |
|---|---|---|
| Below 138% FPL | Up to ~$21,170 | Health First Colorado (Medicaid) |
| 100-400% FPL | ~$15,360 - ~$61,440 | Premium Tax Credits (Subsidies) |
| 150-250% FPL | ~$23,040 - ~$38,400 | Enhanced Silver Plans (CSRs) |
| Above 400% FPL | Above ~$61,440 | Full-price marketplace plans |
Premium Tax Credits: If your income falls between 100% and 400% FPL, you may qualify for premium tax credits that reduce your monthly insurance premiums. These credits can be applied to any metallic tier plan offered on the marketplace, including those from Select Health.
Cost-Sharing Reductions (CSRs): For individuals earning between 150% and 250% FPL, additional savings are available through Cost-Sharing Reductions. These subsidies reduce your deductibles, copayments, and out-of-pocket maximums, making Silver plans particularly valuable. You must enroll in a Silver-tier plan to receive CSRs.
Health First Colorado (Medicaid): Colorado expanded its Medicaid program in 2014, known as Health First Colorado. Adults with incomes up to 138% FPL may qualify for comprehensive health coverage at little to no cost. This provides a crucial safety net for low-income residents of Chaffee County. Colorado's Child Health Plan Plus (CHP+) also covers pregnant women with incomes up to 195% FPL and children in households up to 260% FPL.
Health Insurance Carriers in Chaffee County
Chaffee County is part of Colorado Rating Area 9, which covers Alamosa, Baca, Bent, Chaffee, Cheyenne, Clear Creek, Conejos, Costilla, Crowley, Custer, Elbert, Fremont, Gilpin, Huerfano, Kiowa, Kit Carson, Lake, Las Animas, Lincoln, Logan, Morgan, Otero, Park, Phillips, Prowers, Pueblo, Sedgwick, Washington, Yuma counties. In 2026, 6 carriers offer marketplace plans in Rating Area 9, providing residents with a variety of choices:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Chaffee County, part of Colorado Rating Area 9, is one of the state's more rural counties, with a population of 20,178 and a median age of 48.7 years, per U.S. Census Bureau ACS 2024 5-year estimates. The county's uninsured rate stands at 6.5%, below the state average. Although Chaffee County has no acute care hospitals within its boundaries, residents needing such services typically travel to neighboring counties.
Choosing the Right Select Health Plan or Alternative in Chaffee County
When selecting a health insurance plan in Chaffee County, whether from Select Health or another carrier, consider several factors:- Network: Understand if your preferred doctors, specialists, or any nearby urgent care centers are in the plan's network. While Chaffee County has no acute care hospitals, ensure the plan covers facilities in neighboring areas you would access.
- Prescription Drug Coverage: Check the plan's formulary to ensure your necessary medications are covered and what tier they fall into, as this affects your out-of-pocket costs.
- Out-of-Pocket Costs: Compare deductibles, copayments, coinsurance, and the maximum out-of-pocket limit. A lower premium often means higher out-of-pocket costs when you use services.
- Metallic Tier: If you qualify for Cost-Sharing Reductions, a Silver plan offers the best value. Otherwise, consider your anticipated healthcare usage to decide between a Bronze, Silver, or Gold plan.