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

Select Health Health Insurance in Crowley County, Colorado

Select Health is one of 6 carriers offering marketplace plans in Colorado Rating Area 9 for 2026.
Crowley County residents can choose from HMO, EPO, and PPO plan types on Connect for Health Colorado.
Medicaid, known as Health First Colorado, is available to individuals up to 138% of the Federal Poverty Level.
The uninsured rate in Crowley County is 8.1%, below the state average, among its 5,647 residents.
Crowley County has no acute care hospitals, requiring residents to travel to neighboring counties for hospital services.

Navigating health insurance options in Crowley County, Colorado, can feel complex, but residents have several choices, particularly through the state's marketplace, Connect for Health Colorado. Select Health is a key provider in this region, offering a range of plans designed to fit various needs and budgets for 2026. This article will help you understand your options for Select Health coverage, how to qualify for financial assistance, and what to consider when choosing a plan in Crowley County.

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What Select Health Plans Are Available in Crowley County?

In Crowley County, Select Health offers a variety of health insurance plans through Connect for Health Colorado, the state-based marketplace. For the 2026 plan year, residents can choose from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Unlike some states, PPO plans are available on-exchange in Colorado, giving consumers more flexibility in provider networks. Select Health plans, like all marketplace plans, are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share costs:

Bronze plans: Typically have the lowest monthly premiums but the highest out-of-pocket costs when you need care. They cover 60% of costs, leaving 40% for you after deductibles.
Silver plans: Offer a balance of monthly premiums and out-of-pocket costs. They cover 70% of costs, with you responsible for 30%. Crucially, Silver plans are the only tier eligible for Cost-Sharing Reductions (CSRs), which can significantly lower your deductibles, copayments, and out-of-pocket maximums if you qualify based on income.
Gold plans: Have higher monthly premiums but lower out-of-pocket costs when you receive care. They cover 80% of costs, with you paying 20%.
Platinum plans: Feature the highest monthly premiums but the lowest costs when you get care. They cover 90% of costs, with you responsible for 10%.

When considering a Select Health plan, it's essential to evaluate not just the premium, but also the deductible, copayments, coinsurance, and annual out-of-pocket maximum, to ensure it aligns with your expected healthcare needs and budget.

Understanding Financial Assistance for Health Insurance in Crowley County

Many Crowley County residents can receive financial assistance to make their health insurance more affordable. Colorado has expanded Medicaid, and subsidies are available through Connect for Health Colorado.

Medicaid (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 (FPL) may qualify for comprehensive health coverage at little to no cost. For example, in 2026, an individual earning up to approximately $20,780 per year could be eligible. This expansion eliminates the "coverage gap" that exists in non-expansion states, ensuring more low-income residents have access to care.

Child Health Plan Plus (CHP+) for Pregnant Women and Children

Colorado's Child Health Plan Plus (CHP+) provides coverage for pregnant women with incomes up to 195% FPL, offering comprehensive prenatal, delivery, and postpartum care. Women at or below 138% FPL will first qualify for Health First Colorado (Medicaid). CHP+ also covers children in households with incomes up to 260% FPL. Applications for both Health First Colorado and CHP+ can be submitted through Colorado PEAK (colorado.gov/PEAK).

Marketplace Subsidies (Advance Premium Tax Credits)

If your income is above the Medicaid threshold but below 400% FPL, you may qualify for Advance Premium Tax Credits (APTCs). These subsidies directly reduce your monthly premium, making plans from Select Health and other carriers more affordable. For example, a family of four with an income of $120,000 might still qualify for significant premium assistance. Additionally, if your income is between 100% and 250% FPL, you may be eligible for Cost-Sharing Reductions (CSRs) when you enroll in a Silver-tier plan. CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance, making healthcare more accessible.

Health Insurance Carriers in Crowley County

In 2026, 6 carriers offer marketplace plans in Colorado 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 Crowley County have a choice of plans from these confirmed local carriers:

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

Select Health is a prominent option among these, offering a variety of plans for individuals and families seeking coverage through Connect for Health Colorado.

Choosing the Right Health Plan in Crowley County

When selecting a health insurance plan in Crowley County, consider your specific needs and financial situation.

If your income is below 138% FPL: Apply for Health First Colorado (Medicaid) through Colorado PEAK.
If your income is between 100% and 250% FPL: Strongly consider a Silver-tier plan on Connect for Health Colorado. You'll likely qualify for both premium subsidies (APTCs) and significant Cost-Sharing Reductions (CSRs), lowering both your monthly payments and your out-of-pocket costs.
If your income is above 250% FPL but below 400% FPL: You will still qualify for premium subsidies (APTCs) on any metal tier. Compare Bronze, Silver, and Gold plans to find the best balance of premium and potential out-of-pocket costs.
If your income is above 400% FPL: While you won't qualify for subsidies, you can still enroll in a plan through Connect for Health Colorado or directly with Select Health. Focus on network, deductible, and out-of-pocket maximums.

Crowley County, part of Colorado Rating Area 9, is one of the state's more rural counties, with a population of 5,647 and an uninsured rate of 8.1% per U.S. Census Bureau ACS 2024 5-year estimates. The county has no acute care hospitals within its boundaries, meaning residents needing emergency or inpatient services travel to neighboring counties. This makes understanding your plan's network and out-of-area coverage particularly important. A licensed health insurance producer can help you compare plans from Select Health and other carriers, understand the fine print, and enroll at no additional cost to you.

Frequently Asked Questions

What types of Select Health plans are available in Crowley County?

Select Health offers various plan types, including HMO, EPO, and PPO options, on the Connect for Health Colorado marketplace in Crowley County, Colorado. The specific plans and their availability can vary by rating area and plan year.

Can I get a subsidy for a Select Health plan in Crowley 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 for a Select Health plan. Cost-sharing reductions (CSRs) are also available for those with incomes up to 250% FPL who choose Silver-tier plans.

How does Crowley County's location affect my health insurance choices?

Crowley County is part of Colorado Rating Area 9, which includes 28 other counties. Plan availability and pricing are standardized across this rating area. In 2026, 6 carriers, including Select Health, offer marketplace plans in Rating Area 9, providing a range of options for residents.

What is the uninsured rate in Crowley County?

According to U.S. Census Bureau ACS 2024 5-year estimates, Crowley County has an uninsured rate of 8.1%, which is lower than the statewide average for Colorado. This indicates a relatively high rate of health insurance coverage among its 5,647 residents.