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

Select Health Insurance Plans in Costilla County, Colorado

Select Health is one of 6 carriers offering marketplace plans in Rating Area 9, which includes Costilla County, for the 2026 plan year.
Colorado's state-based marketplace, Connect for Health Colorado, allows residents to compare HMO, EPO, and PPO plans from multiple insurers.
Adults in Colorado with incomes up to 138% of the Federal Poverty Level (FPL) qualify for Health First Colorado (Medicaid), with pregnant women up to 195% FPL.
Costilla County has a population of 3,607 and an uninsured rate of 8.5%, according to U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Costilla County, Colorado, involves understanding plans available through Connect for Health Colorado, the state's official health insurance marketplace. Select Health is a prominent carrier participating in this marketplace, offering a range of plans to meet diverse needs. Residents of Costilla County, a rural area with a population of 3,607 and an uninsured rate of 8.5% (per U.S. Census Bureau ACS 2024 5-year estimates), can explore various plan types, including HMOs, EPOs, and PPOs, and may qualify for financial assistance to make coverage more affordable.

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What Health Insurance Options Are Available in Costilla County?

In Costilla County, health insurance options primarily center around the plans offered through Connect for Health Colorado. This state-based marketplace provides a platform for individuals and families to compare and enroll in plans that comply with the Affordable Care Act (ACA). All plans cover essential health benefits, including doctor visits, prescription drugs, emergency care, and maternity services. Colorado's marketplace is robust, offering a choice of HMO (Health Maintenance Organization), EPO (Exclusive Provider Organization), and PPO (Preferred Provider Organization) plans. Unlike some states, PPO plans are available on-exchange in Colorado, providing greater flexibility for those who prefer to see out-of-network providers for a higher cost. When considering a Select Health plan or any other carrier, it's crucial to evaluate the plan's network of doctors and hospitals, its premium, and the out-of-pocket costs like deductibles, copayments, and coinsurance. Costilla County is part of 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 this rating area have access to the same pool of carriers and plans.

Understanding Financial Assistance for Health Insurance

Many Costilla County residents may qualify for financial assistance to reduce the cost of their health insurance premiums and out-of-pocket expenses. These subsidies are available exclusively through Connect for Health Colorado. There are two main types of financial help:

Advance Premium Tax Credits (APTCs): These subsidies lower your monthly premium payments. Eligibility is based on household income, with those earning between 100% and 400% of the Federal Poverty Level (FPL) typically qualifying.
Cost-Sharing Reductions (CSRs): These subsidies reduce the amount you have to pay for deductibles, copayments, and coinsurance. CSRs are available only to those with incomes up to 250% FPL who enroll in a Silver-tier plan.

For example, a single individual in Costilla County with a median income of $36,861 (per U.S. Census Bureau ACS 2024 5-year estimates) would likely fall within the income range to qualify for significant premium tax credits, making a marketplace plan from Select Health or another carrier much more affordable.

Medicaid Eligibility in Colorado (Health First Colorado)

Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults with household incomes up to 138% of the Federal Poverty Level are eligible for comprehensive health coverage at little to no cost. Specific income thresholds for other groups include:

Pregnant Women: Up to 195% FPL through Child Health Plan Plus (CHP+). Those at or below 138% FPL qualify for full Health First Colorado.
Children (CHIP/CHP+): Up to 260% FPL.

If your income falls within these ranges, Health First Colorado or CHP+ could be your most cost-effective option for quality healthcare. You can apply for these programs through Colorado PEAK (colorado.gov/PEAK).

Health Insurance Carriers in Costilla County

For the 2026 plan year, residents of Costilla County, which is part of Colorado Rating Area 9, have a selection of 6 health insurance carriers offering plans through Connect for Health Colorado. This selection ensures a competitive marketplace with a variety of plan options and price points. The confirmed carriers for Rating Area 9 in 2026 are:

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

Each carrier offers a range of plans across different metal tiers (Bronze, Silver, Gold, and Platinum), allowing individuals and families to choose coverage that best suits their health needs and budget. Select Health offers competitive plans within this diverse marketplace. Costilla County is a rural area, and while it does not have any acute care hospitals within its boundaries, residents travel to neighboring counties for hospital services. It is important to check if a carrier's network includes preferred hospitals and doctors in the areas where you typically seek care.

Choosing the Right Select Health Plan or Alternative

Selecting the right health insurance plan requires careful consideration of several factors. When looking at Select Health or any other carrier in Costilla County, think about:

Your healthcare needs: Do you have chronic conditions, or do you anticipate needing specific medical services in the coming year?
Network access: Are your preferred doctors and specialists in-network with the plan you're considering? Given there are no hospitals in Costilla County, understanding the network coverage in adjacent counties is particularly important.
Budget: Can you comfortably afford the monthly premium, and are you prepared for potential out-of-pocket costs like deductibles and copayments? Remember to factor in any subsidies you may qualify for.
Plan type: Do you prefer the flexibility of a PPO, the coordinated care of an HMO, or an EPO?

If your household income is below 138% FPL, you should explore eligibility for Health First Colorado. For incomes between 100% and 400% FPL, marketplace plans with premium tax credits are likely your best option. Those needing significant medical care may benefit from a Silver plan with Cost-Sharing Reductions, if eligible, or a Gold plan for lower out-of-pocket costs. A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health and other carriers, verify network compatibility, and accurately calculate your potential subsidies. Their assistance is provided at no cost to you.

Frequently Asked Questions

Are Select Health plans available in Costilla County, Colorado?

Yes, Select Health is one of six carriers offering marketplace health insurance plans in Rating Area 9, which includes Costilla County, for the 2026 plan year. You can compare their plans with others through Connect for Health Colorado.

What types of plans does Select Health offer in Colorado?

Like other carriers on Connect for Health Colorado, Select Health offers HMO, EPO, and PPO plan structures. PPO plans are available on-exchange in Colorado, giving consumers a wider range of network options.

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

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums. Cost-Sharing Reductions (CSRs) are also available for those with incomes up to 250% FPL who choose Silver plans.

What is the income limit for Medicaid in Colorado?

Colorado expanded its Medicaid program, Health First Colorado, in 2014. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for comprehensive health coverage with little to no cost. Pregnant women may qualify up to 195% FPL, and children up to 260% FPL through CHP+.

How do I enroll in a Select Health plan in Costilla County?

You can enroll in a Select Health plan, or any other marketplace plan, through Connect for Health Colorado. This is the official state-based marketplace where you can compare options, check your subsidy eligibility, and complete your application. A licensed agent can also assist you at no extra cost.