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

Select Health Insurance Plans in Craig, Colorado

Select Health is one of 6 carriers offering health insurance plans on the Connect for Health Colorado marketplace in Craig for 2026.
Craig residents, along with those in Delta, Garfield, Mesa, Pitkin, and Rio Blanco counties, are part of Colorado Rating Area 6.
Colorado's marketplace offers HMO, EPO, and PPO plan types, allowing for diverse coverage choices in Craig.
Many households in Craig with incomes up to 400% FPL may qualify for significant subsidies to lower their monthly premiums.

Navigating health insurance options in Craig, Colorado, can feel overwhelming, but understanding your choices, especially with carriers like Select Health, is crucial. For 2026, Select Health offers plans to residents in Craig through Connect for Health Colorado, the state's official health insurance marketplace. These plans are designed to meet the Affordable Care Act (ACA) standards, providing comprehensive coverage for essential health benefits. Whether you're seeking individual, family, or small business coverage, understanding how Select Health fits into the local landscape and what financial assistance is available can help you make an informed decision.

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What Health Plans Does Select Health Offer in Craig?

Select Health participates in the Connect for Health Colorado marketplace, making its plans available to residents of Craig. Colorado's marketplace offers a variety of plan structures, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. This means that marketplace shoppers in Craig have access to a range of options beyond just HMOs and EPOs. The specific Select Health plans available will fall into one of the metal tiers: Bronze, Silver, Gold, or Platinum, each offering different levels of cost-sharing and monthly premiums. The availability of PPO plans on-exchange in Colorado, offered by carriers like Denver Health Medical Plan and HMO Colorado, provides more flexibility for those who prefer to see out-of-network providers (though at a higher cost) or do not require referrals to see specialists. Select Health, like other carriers, will detail its network of doctors, hospitals, and specialists within Moffat County and surrounding areas for each plan type it offers.

Understanding Your Health Insurance Options in Craig

For residents of Craig, securing health insurance primarily involves exploring options through Connect for Health Colorado. This state-based marketplace is where individuals and families can compare plans, apply for financial assistance, and enroll in coverage. Colorado expanded Medicaid in 2014, known locally as Health First Colorado. This means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Medicaid at little to no cost. For pregnant women, Colorado's Child Health Plan Plus (CHP+) covers those with incomes up to 195% FPL, offering comprehensive prenatal, delivery, and postpartum care. Children in households up to 260% FPL are also eligible for CHP+ coverage. These programs provide vital safety nets for many Craig families. For those above Medicaid eligibility thresholds, subsidies known as Advance Premium Tax Credits (APTCs) are available through Connect for Health Colorado, which can significantly reduce monthly premium costs. These subsidies are available to households with incomes up to 400% FPL, and in some cases, even higher, depending on the cost of the benchmark Silver plan in Rating Area 6. Additionally, Cost-Sharing Reductions (CSRs) are available for individuals and families with incomes up to 250% FPL who enroll in a Silver-tier plan, lowering deductibles, copayments, and out-of-pocket maximums.

Craig Demographics and Health Coverage

Craig, a city in Moffat County, is part of Colorado Rating Area 6, which also covers Delta, Garfield, Mesa, Pitkin, and Rio Blanco counties. Per U.S. Census Bureau ACS 2024 5-year estimates, Craig has a population of 8,991, with a median household income of $72,636 and an uninsured rate of 8.0%. Moffat County, with a population of 13,207, has a median income of $73,849 and an uninsured rate of 9.7%. While Moffat County has no acute care hospitals within its boundaries, residents needing acute care typically travel to neighboring counties. These local demographics highlight the importance of accessible and affordable health insurance options for the community.

Health Insurance Carriers in Craig

In 2026, 6 carriers offer marketplace plans in Rating Area 6, which includes Craig. When selecting a plan, it's important to compare not just the premiums and deductibles, but also the provider networks to ensure your preferred doctors and any local facilities you might use are covered. The confirmed carriers for Moffat County and the broader Rating Area 6 are:

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

Each of these carriers offers a range of plans across the metal tiers (Bronze, Silver, Gold, Platinum), with varying cost-sharing structures and provider networks. It is advisable to review the specific plan details, including drug formularies and covered services, directly through the Connect for Health Colorado website or with the assistance of a licensed health insurance agent.

Making Your Health Plan Decision in Craig

Choosing the right health insurance plan requires evaluating your healthcare needs, budget, and eligibility for financial assistance. Here's a guide to help you decide:

If your household income is below 138% FPL: You likely qualify for Health First Colorado (Medicaid). Apply through Colorado PEAK (colorado.gov/PEAK) to determine your eligibility for this low-cost or no-cost comprehensive coverage.
If your household income is between 138% and 250% FPL: You are eligible for significant premium subsidies (APTCs) and Cost-Sharing Reductions (CSRs). Selecting a Silver-tier plan is highly recommended, as CSRs will substantially lower your out-of-pocket costs, including deductibles and copayments.
If your household income is between 250% and 400% FPL: You are still eligible for premium subsidies (APTCs) to make your monthly premiums more affordable. Compare Bronze, Silver, and Gold plans to find the best balance between premium costs and out-of-pocket expenses.
If your household income is above 400% FPL: While you may not qualify for subsidies, you can still purchase a comprehensive ACA-compliant plan through Connect for Health Colorado. Compare plans across all metal tiers to find one that fits your budget and healthcare needs. Consider the trade-off between higher premiums for lower deductibles (Gold/Platinum) versus lower premiums for higher deductibles (Bronze/Silver).

Remember that a licensed health insurance agent can provide personalized guidance, help you compare plans, and assist with the enrollment process at no additional cost to you.

Frequently Asked Questions

Is Select Health available on the Connect for Health Colorado marketplace in Craig?

Yes, Select Health is one of 6 carriers offering plans on the Connect for Health Colorado marketplace for residents in Craig and the broader Rating Area 6 in 2026.

What types of health plans does Select Health offer in Craig?

In Craig, Select Health and other carriers on Connect for Health Colorado offer a range of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) options. The specific plan structures vary by carrier and metal tier.

Can I get financial help to pay for Select Health plans in Craig?

Yes, many Craig residents qualify for subsidies (Advance Premium Tax Credits) through Connect for Health Colorado. Eligibility is based on household income relative to the Federal Poverty Level (FPL). You may also qualify for Cost-Sharing Reductions if your income is below 250% FPL and you choose a Silver plan.

What is the deadline to enroll in a Select Health plan for 2026 coverage in Colorado?

Open Enrollment for 2026 plans typically runs from November 1 to January 15 each year. To have coverage effective January 1, you generally need to enroll by December 15. Special Enrollment Periods are available outside of Open Enrollment if you experience a qualifying life event like marriage, birth of a child, or loss of other coverage.