Select Health Insurance Plans in Clear Creek County, Colorado
- Select Health is one of 6 carriers offering health insurance plans on Connect for Health Colorado in Clear Creek County for the 2026 plan year.
- Clear Creek County is part of Colorado Rating Area 9, which includes 28 other counties, ensuring consistent plan availability and pricing across the region.
- Colorado residents with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado (Medicaid), while those between 100% and 400% FPL are eligible for significant marketplace subsidies.
- PPO plans are available on-exchange through Connect for Health Colorado, alongside HMO and EPO options, offering diverse choices for Clear Creek County residents.
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What Are Your Select Health Options in Clear Creek County?
Select Health offers a range of health insurance plans through Connect for Health Colorado, catering to diverse healthcare needs and budgets in Clear Creek County. When you enroll, you'll find plans categorized by metal tiers: Bronze, Silver, Gold, and Platinum. Each tier represents a different balance between monthly premiums and out-of-pocket costs, such as deductibles, copayments, and coinsurance. Bronze plans typically have lower premiums and higher out-of-pocket costs, suitable for those who anticipate minimal healthcare use. Gold and Platinum plans, conversely, have higher premiums but significantly lower out-of-pocket expenses, ideal for individuals or families expecting more frequent medical care. Silver plans offer a middle ground and are the only tier eligible for Cost-Sharing Reductions (CSRs), which further lower deductibles and copays for those who qualify based on income. In Clear Creek County, like the rest of Colorado, marketplace shoppers can choose from various plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are indeed available on-exchange in Colorado, offering more flexibility in choosing healthcare providers both in-network and sometimes out-of-network, often without a referral. HMO and EPO plans typically require you to use a specific network of doctors and hospitals, with HMOs often requiring a primary care physician referral for specialist visits. Clear Creek County, part of Colorado Rating Area 9, is one of the state's less populated counties with 9,262 residents, a median income of $94,577, and an uninsured rate of 5.7%, per U.S. Census Bureau ACS 2024 5-year estimates. While Clear Creek County has no acute care hospitals within its boundaries, residents needing acute medical attention travel to neighboring counties. This regional context means that selecting a plan with a broad network, like many PPO options, can be particularly beneficial for accessing care.Understanding Financial Assistance for Select Health Plans
The Affordable Care Act (ACA) provides significant financial assistance to make health insurance more affordable for Clear Creek County residents. These subsidies are available through Connect for Health Colorado and are primarily based on your household income relative to the Federal Poverty Level (FPL). There are two main types of financial assistance:| Assistance Type | Eligibility (2026 FPL, approx.) | Benefit |
|---|---|---|
| Premium Tax Credits (PTC) | 100% to 400% FPL | Lowers your monthly premium payment. You only pay a percentage of your income towards premiums. |
| Cost-Sharing Reductions (CSRs) | 100% to 250% FPL | Reduces your out-of-pocket costs like deductibles, copayments, and coinsurance. Only available with Silver plans. |
Health First Colorado (Medicaid) Eligibility in Clear Creek County
Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults in Clear Creek County 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 low-income residents have access to essential healthcare services without falling into a "coverage gap." For pregnant women, Colorado's Child Health Plan Plus (CHP+) provides coverage up to 195% FPL, offering comprehensive prenatal, delivery, and postpartum care. Women at or below 138% FPL will first qualify for full Health First Colorado benefits. CHP+ also extends coverage to children in households up to 260% FPL. Enrollment for both Health First Colorado and CHP+ can be completed through Colorado PEAK (colorado.gov/PEAK).Health Insurance Carriers in Clear Creek County
In 2026, 6 carriers offer marketplace plans in 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. Residents of Clear Creek County can choose from plans offered by these companies:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Making Your Health Insurance Decision in Clear Creek County
Choosing the right health insurance plan in Clear Creek County depends on several factors, including your income, health needs, and preferred doctors. Here's a decision-making guide:- If your income is below 138% FPL: You likely qualify for Health First Colorado (Medicaid), offering comprehensive, low-cost coverage. Apply through Colorado PEAK.
- If your income is 100% to 250% FPL: Focus on Silver plans through Connect for Health Colorado. You'll qualify for both Premium Tax Credits to lower your monthly payments and Cost-Sharing Reductions to reduce your out-of-pocket costs.
- If your income is 250% to 400% FPL: You are eligible for Premium Tax Credits. Compare plans across all metal tiers (Bronze, Silver, Gold, Platinum) from carriers like Select Health, considering your expected healthcare usage. Bronze plans have lower premiums but higher out-of-pocket costs, while Gold and Platinum have higher premiums but lower out-of-pocket costs.
- If your income is above 400% FPL: While you won't qualify for federal subsidies, you can still enroll in a plan through Connect for Health Colorado or explore off-marketplace options. Comparing plans from Select Health and other carriers is crucial to find the best value.
Frequently Asked Questions
Can I get Select Health insurance through Connect for Health Colorado?
Yes, Select Health is one of the 6 carriers offering plans on Connect for Health Colorado in Rating Area 9, which includes Clear Creek County, for the 2026 plan year. You can enroll during Open Enrollment or if you qualify for a Special Enrollment Period.
What types of plans does Select Health offer in Clear Creek County?
In Clear Creek County, Select Health offers various plan types through Connect for Health Colorado, including HMO, EPO, and PPO options. The specific plans and their structures will be detailed when you shop on the marketplace.
How do I know if I qualify for financial help with Select Health plans?
Eligibility for subsidies (Premium Tax Credits and Cost-Sharing Reductions) is based on your household income relative to the Federal Poverty Level. For 2026, individuals and families with incomes between 100% and 400% FPL may qualify for significant assistance, making plans from carriers like Select Health more affordable. You can check your eligibility on Connect for Health Colorado.
What is Health First Colorado, and who qualifies?
Health First Colorado is Colorado's Medicaid program. Adults with household incomes up to 138% of the Federal Poverty Level qualify for comprehensive, low-cost coverage. Pregnant women and children also have higher income thresholds for eligibility through Health First Colorado or Child Health Plan Plus (CHP+).