Select Health Insurance Plans in Colorado Springs, Colorado

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

Select Health is one of 6 health insurance carriers offering marketplace plans in Colorado Springs for the 2026 plan year.
Colorado Springs is part of Rating Area 5, which includes El Paso and Teller counties.
Individuals and families with incomes up to 400% of the Federal Poverty Level may qualify for significant premium subsidies on Connect for Health Colorado.
Medicaid, known as Health First Colorado, covers adults with incomes up to 138% FPL, and pregnant women up to 195% FPL.

For residents of Colorado Springs, Colorado seeking health insurance, Select Health offers a range of plans through Connect for Health Colorado, the state's official health insurance marketplace. As one of six carriers serving Rating Area 5 (which includes El Paso and Teller counties), Select Health provides various options, including HMO, EPO, and PPO plans, designed to fit different budgets and coverage needs. Whether you're looking for comprehensive coverage with a broad network or a more budget-friendly option, understanding your choices and potential financial assistance is key to securing the right plan for 2026.

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What Select Health Plans Are Available in Colorado Springs?

In Colorado Springs, Select Health participates in Connect for Health Colorado, offering a variety of individual and family health insurance plans for 2026. These plans are categorized by metal tiers (Bronze, Silver, Gold, and Platinum), each reflecting a different balance between monthly premiums and out-of-pocket costs. Bronze plans typically have lower premiums but higher deductibles and copays, making them suitable for those who anticipate minimal medical care or prefer lower monthly costs. Silver plans offer a moderate balance, and are particularly valuable for individuals who qualify for cost-sharing reductions, which can significantly lower deductibles, copayments, and out-of-pocket maximums. Gold and Platinum plans feature higher premiums but lower out-of-pocket costs, ideal for those who expect frequent medical care. Select Health, along with other carriers in Colorado, offers Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans on-exchange. This means Colorado Springs residents have flexibility in choosing a plan structure that aligns with their preference for network access and referral requirements.

How Do Subsidies Affect Select Health Plan Costs in Colorado Springs?

Many Colorado Springs residents can significantly reduce their health insurance costs through financial assistance available via Connect for Health Colorado. These subsidies come in two main forms:

Premium Tax Credits (APTC): These credits reduce your monthly premium payment. Eligibility is primarily 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 premium tax credits.
Cost-Sharing Reductions (CSRs): These are additional savings that lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available on Silver-tier plans and are for individuals with incomes between 100% and 250% FPL. If you qualify, an Enhanced Silver plan will provide much better coverage than a standard Silver plan, often with benefits comparable to a Gold plan but at a lower premium.

For example, a single individual in Colorado Springs earning $30,000 (around 200% FPL) would likely qualify for substantial premium tax credits, making a Select Health Silver plan highly affordable, potentially with very low or no monthly premiums after subsidies. They would also benefit from cost-sharing reductions, which can dramatically lower their deductible and other out-of-pocket expenses. The city of Colorado Springs, with a population of 487,887 and an uninsured rate of 7.7% per U.S. Census Bureau ACS 2024 5-year estimates, sees many residents benefiting from these subsidies. El Paso County, the parent county for Colorado Springs, has a population of 742,999 and an uninsured rate of 7.2%, also per U.S. Census Bureau ACS 2024 5-year estimates.

Health First Colorado (Medicaid) Eligibility in El Paso County

Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that many low-income adults in Colorado Springs and El Paso County can qualify for comprehensive health coverage at little to no cost. Adults with household incomes up to 138% of the Federal Poverty Level are generally eligible for Health First Colorado. Additionally, Colorado's Child Health Plan Plus (CHP+) provides coverage for pregnant women with household incomes up to 195% FPL, offering comprehensive prenatal, delivery, and postpartum care. Because Colorado has expanded Medicaid, women at or below 138% FPL qualify for full Health First Colorado first. CHP+ also covers children in households up to 260% FPL. Applications for Health First Colorado and CHP+ can be submitted through Colorado PEAK (colorado.gov/PEAK).

Health Insurance Carriers in Colorado Springs

For the 2026 plan year, residents of Colorado Springs, which is part of Rating Area 5 (covering El Paso and Teller counties), have a strong selection of health insurance carriers available on Connect for Health Colorado. In 2026, 6 carriers offer marketplace plans in Rating Area 5:

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

This competition among carriers helps ensure a variety of plan options and price points for consumers. When evaluating plans, it's important to consider not just the premium, but also the plan's network, formulary for prescription drugs, and coverage for specific services you anticipate needing. El Paso County is served by several major health systems, including Uch-memorial Health System and Centura Health-penrose St Francis Health Services, both located in Colorado Springs. Other significant facilities in the county include Uchealth Grandview Hospital and St Francis Hospital - Interquest. When choosing a Select Health plan or any other carrier, confirm that your preferred doctors and hospitals are in the plan's network.

Making the Right Choice: Next Steps for Colorado Springs Residents

Choosing the right health insurance plan, especially from carriers like Select Health, involves evaluating your specific needs, budget, and eligibility for financial assistance. Here's a quick guide to your next steps:

Your Situation	Recommended Action
Income up to 138% FPL (e.g., ~$20,780 for an individual in 2026)	Apply for Health First Colorado (Medicaid) through Colorado PEAK. You likely qualify for free or low-cost comprehensive coverage.
Income 138% - 250% FPL (e.g., ~$20,781 - $37,650 for an individual)	Enroll in a Silver plan on Connect for Health Colorado. You'll qualify for both premium tax credits and significant cost-sharing reductions.
Income 250% - 400% FPL (e.g., ~$37,651 - $60,240 for an individual)	Explore Bronze, Silver, or Gold plans on Connect for Health Colorado. You'll qualify for premium tax credits to lower your monthly payments.
Income above 400% FPL	Compare plans on Connect for Health Colorado or directly with carriers like Select Health. While not eligible for subsidies, you'll find a range of plans.

Navigating these options can be complex, but you don't have to do it alone. A licensed health insurance producer can provide personalized guidance, help you compare plans from Select Health and other carriers, and assist with the enrollment process – all at no cost to you.

Frequently Asked Questions

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 of Colorado Springs and Rating Area 5 in 2026. You can compare their plans with other local insurers through the state-based marketplace.

What types of plans does Select Health offer in Colorado Springs?

In Colorado Springs, Select Health, like other carriers on Connect for Health Colorado, offers a range of plan types including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) options. The specific mix of plans can vary by metal tier and your exact ZIP code.

Can I get financial assistance for a Select Health plan in Colorado Springs?

Yes, if your household income falls within certain limits, you may qualify for premium tax credits and cost-sharing reductions when enrolling in a Select Health plan through Connect for Health Colorado. For 2026, individuals with income up to 400% of the Federal Poverty Level are typically eligible for premium tax credits, and those with income up to 250% FPL may qualify for cost-sharing reductions on Silver plans.

How do I know if my doctor accepts Select Health plans?

Before enrolling in any Select Health plan, it's crucial to verify that your preferred doctors, specialists, and hospitals are within the plan's network. You can typically do this by checking the carrier's provider directory on their website or by contacting your healthcare providers directly. This is especially important for HMO and EPO plans, which have more restricted networks.