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

Select Health Insurance Plans in Conejos County, Colorado

In 2026, six health insurance carriers, including Select Health, offer marketplace plans in Conejos County through Connect for Health Colorado.
Conejos County is part of Colorado Rating Area 9, which covers 29 counties across the state.
Colorado has expanded Medicaid (Health First Colorado), covering adults with incomes up to 138% of the Federal Poverty Level.
Residents of Conejos County, with a population of 7,530, have an uninsured rate of 13.6% as of 2024.

Navigating health insurance options in Conejos County, Colorado, involves understanding your choices through Connect for Health Colorado, the state's official marketplace. For 2026, residents have access to plans from six different carriers, including Select Health, offering a range of HMO, EPO, and PPO options. Depending on your household income and size, you may qualify for significant financial assistance to reduce your monthly premiums and out-of-pocket costs. This guide will help you explore Select Health plans and other available coverage, detailing eligibility for subsidies and Medicaid, and providing local context for your healthcare decisions.

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What Health Insurance Plans Are Available in Conejos County?

In Conejos County, you can access a variety of health insurance plans through Connect for Health Colorado. The state's marketplace offers plans across different metal tiers—Bronze, Silver, Gold, and Platinum—each designed to balance monthly premiums with out-of-pocket costs. Unlike some other states, Colorado offers PPO plans on-exchange, providing greater flexibility in choosing healthcare providers without referrals, in addition to HMO and EPO options. All plans available through Connect for Health Colorado must cover the ten essential health benefits mandated by the Affordable Care Act (ACA). These include emergency services, hospitalization, prescription drugs, mental health and substance use disorder services, maternity and newborn care, and preventive care. This ensures that no matter which plan you choose, you will have comprehensive coverage for critical health needs.

Select Health and Other Carriers in Conejos County

For the 2026 plan year, residents of Conejos County, which is part of Colorado Rating Area 9, have a choice of plans from six different health insurance carriers on Connect for Health Colorado. This selection provides diverse options for individuals and families seeking coverage. Select Health is one of these confirmed carriers, offering various plans tailored to different budgets and healthcare needs. The full list of carriers confirmed to offer marketplace plans in Rating Area 9 for 2026 includes:

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

When evaluating plans, consider not only the monthly premium but also the deductible, copayments, coinsurance, and the out-of-pocket maximum. It is also important to verify if your preferred doctors, specialists, or any necessary medical facilities are in-network with the plan you are considering.

Understanding Financial Assistance and Health First Colorado

Many residents in Conejos County qualify for financial assistance to make health insurance more affordable. The primary forms of assistance are premium tax credits (subsidies) and cost-sharing reductions (CSRs). Premium tax credits can significantly lower your monthly premium, while CSRs reduce your out-of-pocket costs like deductibles and copayments, available only with Silver-tier plans. Colorado expanded its Medicaid program in 2014. This means adults in Conejos County with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado, the state's Medicaid program. This program provides comprehensive health coverage with little to no cost. For pregnant women, eligibility for Child Health Plan Plus (CHP+) extends up to 195% FPL for prenatal and delivery care, and children can qualify for CHP+ in households with incomes up to 260% FPL. Applications for these programs can be submitted through Colorado PEAK at colorado.gov/PEAK.

2026 Federal Poverty Level (FPL) Guidelines for Colorado (Example)
Household Size	138% FPL (Medicaid/Health First Colorado)	200% FPL (Significant Subsidies)	400% FPL (Subsidy Eligibility)
1	$20,400	$29,580	$59,160
2	$27,600	$40,120	$80,240
3	$34,800	$50,660	$101,320
4	$42,000	$61,200	$122,400
These figures are illustrative and based on estimated 2026 FPL. Actual FPLs are released annually.

Healthcare Resources in Conejos County

Conejos County is a rural area with a population of 7,530, per U.S. Census Bureau ACS 2024 5-year estimates. The median income is $50,978, and the uninsured rate stands at 13.6%. While Conejos County does not have an acute care hospital within its boundaries, residents needing hospital services typically travel to neighboring counties for care. This makes understanding your plan's network and out-of-area coverage particularly important when selecting a health insurance plan. 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, serves a broad geographic region with varied healthcare access.

Making Your Health Insurance Decision in Conejos County

Choosing the right health insurance plan in Conejos County requires careful consideration of your specific health needs, financial situation, and preferred access to care. Here's a guide to help you decide:

If your income is below 138% FPL: You likely qualify for Health First Colorado (Medicaid). Apply through Colorado PEAK for comprehensive, low-cost coverage.
If your income is between 100% and 250% FPL: You may qualify for significant premium tax credits and cost-sharing reductions (CSRs). A Silver plan is often the best value, as CSRs make Silver plans much richer than their metal tier suggests.
If your income is above 250% FPL, but below 400% FPL: You may still qualify for premium tax credits to lower your monthly premiums. Compare Bronze, Silver, and Gold plans to find the right balance of premium and out-of-pocket costs.
If your income is above 400% FPL: You will pay the full premium, but can still enroll in a plan through Connect for Health Colorado. Focus on the plan's network, deductible, and coverage for specific services you anticipate needing.

It is always beneficial to speak with a licensed health insurance producer. They can help you compare plans from Select Health and other carriers, determine your eligibility for financial assistance, and guide you through the enrollment process at no additional cost.

Frequently Asked Questions

What types of health insurance plans are available in Conejos County?

In Conejos County, you can choose from HMO, EPO, and PPO health insurance plans on Connect for Health Colorado, the state's official marketplace. These plans are offered by six different carriers in Rating Area 9.

Does Select Health offer plans in Conejos County?

Yes, Select Health is one of six confirmed carriers offering health insurance plans through Connect for Health Colorado in Conejos County for the 2026 plan year. You can compare their offerings with other local carriers.

Can I get financial help to pay for health insurance in Conejos County?

Yes, Colorado residents in Conejos County with incomes up to 400% of the Federal Poverty Level may qualify for subsidies (premium tax credits) to lower their monthly premiums. Individuals and families with lower incomes may also be eligible for Enhanced Silver plans or Health First Colorado (Medicaid).

What is Health First Colorado (Medicaid) eligibility in Colorado?

Colorado expanded Medicaid in 2014, meaning adults in Conejos County with incomes up to 138% of the Federal Poverty Level may qualify for Health First Colorado. Pregnant women can qualify for CHP+ up to 195% FPL, and children up to 260% FPL.