Select Health Insurance Plans in Cheyenne County, Colorado

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

Select Health is one of 6 carriers offering marketplace plans in Colorado Rating Area 9 for 2026, serving Cheyenne County residents.
Cheyenne County residents can choose from HMO, EPO, and PPO plans offered by Select Health and other carriers on Connect for Health Colorado.
Individuals and families with incomes between 100% and 400% FPL are eligible for premium tax credits to reduce monthly premiums.
Cheyenne County, with a population of 1,741, has an uninsured rate of 5.3%, lower than the state average, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Cheyenne County, Colorado, can feel complex, but understanding your choices, especially with carriers like Select Health, is straightforward. For 2026, Select Health offers a variety of health insurance plans to residents of Cheyenne County through Connect for Health Colorado, the state's official health insurance marketplace. These plans are designed to meet diverse needs and budgets, often with financial assistance available to help make coverage more affordable. Whether you're seeking a comprehensive PPO plan or a more focused HMO, Select Health provides options alongside other major insurers in the region.

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What Select Health Plans Are Available in Cheyenne County?

In Cheyenne County, Select Health participates in Colorado's health insurance marketplace, Connect for Health Colorado, offering a range of plan types for the 2026 plan year. Residents can typically choose from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans, providing flexibility in how you access care and manage costs. PPO plans are indeed available on-exchange in Colorado, meaning you're not limited to HMO or EPO structures when shopping for subsidized coverage. Select Health's offerings, like those from other carriers, are categorized into metal tiers: Bronze, Silver, and Gold.

Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are suitable for those who expect to use medical services infrequently or want protection against catastrophic costs.
Silver plans offer a balance between monthly premiums and out-of-pocket costs. They are particularly valuable for individuals and families who qualify for cost-sharing reductions (CSRs), which can significantly lower deductibles, copayments, and out-of-pocket maximums. CSRs are only available with Silver plans and for those with incomes up to 250% of the Federal Poverty Level.
Gold plans feature higher monthly premiums but lower deductibles and out-of-pocket maximums, making them ideal for those who anticipate needing more frequent medical care or prescription medications throughout the year.

When evaluating Select Health plans, it's important to consider not just the premium, but also the deductible, copayments, coinsurance, and the network of doctors and hospitals.

Who Else Offers Health Insurance in Cheyenne County?

Cheyenne County is part of Colorado Rating Area 9, which covers a total of 29 counties: 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, and Yuma counties. In 2026, 6 carriers offer marketplace plans in Rating Area 9, ensuring a competitive and diverse selection for residents. The confirmed local carriers for Cheyenne County in 2026 are:

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

This robust selection allows residents to compare plans from multiple providers, considering factors like network access, specific benefits, and pricing, all through the Connect for Health Colorado marketplace.

Understanding Financial Assistance for Plans in Cheyenne County

Many Cheyenne County residents can get help paying for their health insurance premiums and out-of-pocket costs. Connect for Health Colorado offers two main types of financial assistance based on household income and family size:

Premium Tax Credits (Subsidies)

These credits reduce your monthly premium payment. Eligibility is based on household income relative to the Federal Poverty Level (FPL). In Colorado, if your income is between 100% and 400% FPL, you may qualify for premium tax credits. For a single individual, 400% FPL would be approximately $60,240 in 2024 (FPL changes annually). These credits can be applied directly to your monthly premium, making coverage significantly more affordable.

Cost-Sharing Reductions (CSRs)

CSRs help lower your out-of-pocket expenses like deductibles, copayments, and coinsurance. You must enroll in a Silver-tier plan to receive CSRs. Eligibility is for individuals and families with incomes up to 250% FPL. For a single individual, 250% FPL would be approximately $37,650 in 2024. 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.

Medicaid (Health First Colorado) and CHP+

Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means adults with household incomes up to 138% of the FPL may qualify for comprehensive health coverage at little to no cost. For a single individual, 138% FPL would be approximately $20,782 in 2024. Unlike non-expansion states, there is no "coverage gap" in Colorado, ensuring that low-income adults have access to affordable care. Colorado's Child Health Plan Plus (CHP+) also provides coverage for pregnant women with incomes up to 195% FPL and children in households up to 260% FPL. Pregnant women at or below 138% FPL would first qualify for Health First Colorado. Enrollment for CHP+ and Health First Colorado can be done through Colorado PEAK (colorado.gov/PEAK).

How to Enroll in a Select Health Plan in Cheyenne County

Enrolling in a Select Health plan, or any other marketplace plan, in Cheyenne County is done through Connect for Health Colorado. The annual Open Enrollment Period is your primary opportunity to select a new plan or change your existing one. This period typically runs from November 1st to January 15th each year for coverage starting the following year. Outside of Open Enrollment, you may qualify for a Special Enrollment Period (SEP) if you experience a qualifying life event. Common qualifying life events include:

Losing existing health coverage (e.g., losing employer-sponsored coverage, COBRA ending)
Getting married or divorced
Having a baby, adopting a child, or placing a child for adoption or foster care
Moving to a new area that offers different health plan options
Changes in income that affect your eligibility for subsidies

If you believe you qualify for an SEP, you generally have 60 days from the date of the qualifying event to enroll. It's crucial to act quickly to avoid gaps in coverage. Cheyenne County, part of Colorado Rating Area 9, is one of the state's more rural counties, with a population of 1,741 and an uninsured rate of 5.3% per U.S. Census Bureau ACS 2024 5-year estimates. This is significantly lower than the state's overall uninsured rate. The county has no acute care hospitals within its boundaries, meaning residents needing acute care typically travel to neighboring counties. Understanding your plan's network and out-of-area coverage is especially important in such situations.

Get Your Free Quote

Choosing the right health insurance plan requires careful consideration of your health needs, budget, and preferred providers. A licensed health insurance producer can provide free, personalized assistance to help you compare Select Health plans with offerings from other carriers in Cheyenne County. They can help you understand your subsidy eligibility, explain plan benefits, and guide you through the enrollment process on Connect for Health Colorado. This expert guidance ensures you select a plan that best fits your specific circumstances.

Frequently Asked Questions

Is Select Health available in all parts of Cheyenne County?

Yes, Select Health offers plans across all of Cheyenne County as part of Colorado Rating Area 9. You can compare their offerings with other carriers on Connect for Health Colorado.

What types of plans does Select Health offer in Cheyenne County?

In Cheyenne County, Select Health typically offers a range of plans including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) options. The specific plan types and benefits can vary by year and metal tier (Bronze, Silver, Gold).

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

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to lower your monthly costs. Cost-sharing reductions are also available for those with incomes up to 250% FPL who choose a Silver plan. You can apply for these subsidies through Connect for Health Colorado.

How does Cheyenne County's location affect my health insurance choices?

Cheyenne County is part of Colorado Rating Area 9, which encompasses 29 counties. This means that carriers like Select Health offer the same plans and pricing across this entire rating area, providing a consistent range of options for residents within this broad region.